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Growth Metrics

Nu Holdings (NU) Free Cash Flow (2020 - 2025)

Nu Holdings' quarterly Free Cash Flow came in at $266000.0 in Q4 2025, down 96.56% year-on-year from $7.7 million in Q4 2024, and down 89.59% quarter-over-quarter from $2.6 million in Q3 2025.

Nu Holdings has reported Free Cash Flow for 6 years, with the latest figure at $266000.0 in Q4 2025.

  • For the quarter ending Q4 2025, Free Cash Flow fell 96.56% year-over-year to $266000.0; the trailing twelve-month figure through Dec 2025 stood at $7.2 million (up 101.28% YoY), and the FY2025 full-year result was $3.5 billion, up 45.88% from the prior year.
  • Free Cash Flow for Q4 2025 stood at $266000.0, down from $2.6 million in the prior quarter.
  • The five-year high for Free Cash Flow was $98.9 million in Q1 2023, with the low at -$570.4 million in Q1 2024.
  • Average Free Cash Flow over 5 years is -$21.2 million, with a median of $2.6 million recorded in 2025.
  • Year-over-year, Free Cash Flow surged 2011.64% in 2023 and slumped 676.82% in 2024.
  • Tracing NU's Free Cash Flow over 5 years: stood at $6.0 million in 2021, then surged by 89.15% to $11.4 million in 2022, then slumped by 57.97% to $4.8 million in 2023, then soared by 61.27% to $7.7 million in 2024, then sank by 96.56% to $266000.0 in 2025.
  • The last three Free Cash Flow figures came in at $266000.0 (Q4 2025), $2.6 million (Q3 2025), and $2.0 million (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Free Cash Flow (Qtr)
1 Bank Of Chile 90,891.20 Bn 90,891.20 Bn - -172,298.00
2 Bank Bradesco 6,807.69 Bn 6,791.75 Bn - -
3 Lloyds Banking 426.28 Bn 426.28 Bn - -
4 NatWest 184.56 Bn 184.56 Bn - -
5 First Capital 181.18 Bn 181.03 Bn - 5.85 Mn
6 Landmark Bancorp 164.67 Bn 164.64 Bn - 6.71 Mn
7 Deutsche Bank Aktiengesellschaft 161.63 Bn -151,939.28 Bn - -
8 KB Financial 150.02 Bn 142.15 Bn - 390,677.59
9 Pnc Financial Services 88.79 Bn 88.84 Bn - 1.93 Bn
10 Nu Holdings 61.52 Mn -14.98 Bn 1.94 Bn 266,000.00

Historic Data

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DateValue
Dec 31, 2025 266,000.00
Dec 31, 2025 266,000.00
Sep 30, 2025 2.56 Mn
Sep 30, 2025 2.56 Mn
Jun 30, 2025 1.99 Mn
Jun 30, 2025 1.99 Mn
Mar 31, 2025 2.40 Mn
Mar 31, 2025 2.40 Mn
Dec 31, 2024 7.73 Mn
Dec 31, 2024 7.73 Mn
Sep 30, 2024 1.09 Mn
Sep 30, 2024 1.09 Mn
Jun 30, 2024 -3.61 Mn
Jun 30, 2024 -3.61 Mn
Mar 31, 2024 -570.41 Mn
Mar 31, 2024 -570.41 Mn
Dec 31, 2023 4.79 Mn
Dec 31, 2023 4.79 Mn
Sep 30, 2023 4.05 Mn
Sep 30, 2023 4.05 Mn
Jun 30, 2023 11.40 Mn
Jun 30, 2023 11.40 Mn
Mar 31, 2023 98.89 Mn
Mar 31, 2023 98.89 Mn
Sep 30, 2022 11.40 Mn
Sep 30, 2022 11.40 Mn
Jun 30, 2022 7.43 Mn
Jun 30, 2022 7.43 Mn
Mar 31, 2022 4.68 Mn
Mar 31, 2022 4.68 Mn
Dec 31, 2021 6.03 Mn
Dec 31, 2021 6.03 Mn
Sep 30, 2021 2.54 Mn
Sep 30, 2021 2.54 Mn
Jun 30, 2021 2.01 Mn
Jun 30, 2021 2.01 Mn
Mar 31, 2021 1.78 Mn
Mar 31, 2021 1.78 Mn
Dec 31, 2020 3.08 Mn
Dec 31, 2020 3.08 Mn