Nu Holdings (NU) Net Cash Flow (2020 - 2025)
Nu Holdings (NU) posted quarterly Net Cash Flow of $1.2 billion for Q4 2025, up 1558.73% year-on-year from $73.5 million in Q4 2024, and up 98.03% on a QoQ basis from $615.9 million in Q3 2025.
Nu Holdings (NU) Net Cash Flow (2020 - 2025) Analysis & Trends
Nu Holdings (NU) has reported Net Cash Flow for 6 consecutive years, with $1.2 billion the latest figure, recorded in Q4 2025.
- Quarterly Net Cash Flow rose 1558.73% year-over-year to $1.2 billion in Q4 2025, while the trailing twelve-month figure through Dec 2025 was $1.9 billion (down 19.77% YoY) and the FY2025 annual result came in at $5.4 billion, up 94.85% from the prior year.
- Net Cash Flow grew to $1.2 billion in Q4 2025 per NU's latest filing, from $615.9 million in the prior quarter.
- Over the last five years, Net Cash Flow for NU reached as high as $3.1 billion in Q2 2024 and fell as low as -$3.1 billion in Q3 2023.
- A 5-year average of $284.5 million and a median of $222.9 million in 2022 frame the typical range for Net Cash Flow.
- Annual changes were most pronounced in 2021 — Net Cash Flow tumbled 12411.23% — and 2022, when it surged 47953.15%.
- Year by year, Net Cash Flow stood at -$2.0 billion in 2021, then soared by 115.25% to $305.9 million in 2022, then jumped by 777.87% to $2.7 billion in 2023, then sank by 97.26% to $73.5 million in 2024, then surged by 1558.73% to $1.2 billion in 2025.
- According to Business Quant data, Net Cash Flow over the past three periods registered $1.2 billion, $615.9 million, and $363.0 million for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 43,124.21 Bn | 43,125.44 Bn | -775,612.08 | -503.85 Mn |
| 2 | Shinhan Financial | 33,971.34 Bn | 33,973.00 Bn | - | -8.67 Bn |
| 3 | Bank Of Chile | 4,105.33 Bn | 4,105.33 Bn | 167,623.00 | -1.18 Mn |
| 4 | NatWest | 768.74 Bn | 572.78 Bn | 1.79 Bn | - |
| 5 | Mizuho Financial | 385.64 Bn | 389.59 Bn | - | - |
| 6 | Lloyds Banking | 358.14 Bn | 358.14 Bn | - | - |
| 7 | First Capital | 200.03 Bn | 199.69 Bn | - | 12.35 Mn |
| 8 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 10.88 Mn |
| 9 | Pnc Financial Services | 100.96 Bn | 101.01 Bn | - | -8.01 Bn |
| 10 | Nu Holdings | 68.58 Bn | 53.46 Bn | 1.94 Bn | 1.22 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 1.22 Bn |
| Dec 31, 2025 | 1.22 Bn |
| Sep 30, 2025 | 615.89 Mn |
| Sep 30, 2025 | 615.89 Mn |
| Jun 30, 2025 | 362.98 Mn |
| Jun 30, 2025 | 362.98 Mn |
| Mar 31, 2025 | -250.59 Mn |
| Mar 31, 2025 | -250.59 Mn |
| Dec 31, 2024 | 73.53 Mn |
| Dec 31, 2024 | 73.53 Mn |
| Sep 30, 2024 | -394.35 Mn |
| Sep 30, 2024 | -394.35 Mn |
| Jun 30, 2024 | 3.09 Bn |
| Jun 30, 2024 | 3.09 Bn |
| Mar 31, 2024 | -339.18 Mn |
| Mar 31, 2024 | -339.18 Mn |
| Dec 31, 2023 | 2.69 Bn |
| Dec 31, 2023 | 2.69 Bn |
| Sep 30, 2023 | -3.05 Bn |
| Sep 30, 2023 | -3.05 Bn |