Nu Holdings Ratios (2020-2025) | NU

Ratios Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Profitability
Gross Margin (Quarter)
47.20%49.51%46.57%35.68%33.52%31.41%32.68%39.87%40.21%41.85%42.81%47.54%43.19%47.72%45.82%45.61%40.63%42.20%43.49%41.47%
EBT Margin (Quarter)
-21.78%-1.95%-4.52%-13.92%-7.71%-2.13%0.39%-15.29%15.05%17.34%19.26%23.28%21.15%25.47%24.59%25.67%24.48%23.97%26.75%23.00%
EBIT Margin (Quarter)
116.18%100.97%97.66%-198.73%74.76%64.94%64.96%-176.86%65.37%66.36%66.37%-90.53%65.23%69.98%67.05%-98.89%56.74%60.39%60.19%-57.57%
EBITDA Margin (Quarter)
116.18%100.97%97.66%-198.73%74.76%64.94%64.96%-176.86%65.37%66.36%66.37%-90.53%65.23%69.98%67.05%-98.89%56.74%60.39%60.19%-57.57%
Operating Margin (Quarter)
116.18%100.97%97.66%-198.73%74.76%64.94%64.96%-176.86%65.37%66.36%66.37%-90.53%65.23%69.98%67.05%-98.89%56.74%60.39%60.19%-57.57%
Net Margin (Quarter)
-20.19%-4.53%-7.11%-10.39%-5.14%-2.57%0.60%-0.03%8.76%12.03%14.18%0.04%13.85%17.11%18.80%18.49%17.16%17.36%18.75%19.04%
FCF Margin (Quarter)
-90.89%0.60%0.53%-290.68%9.46%40.75%-0.31%15.74%6.11%91.57%-151.18%112.74%-20.85%93.55%-36.28%46.09%33.49%69.69%-23.20%17.74%
Efficiency
Assets Average (Quarter)
12.66B24.72B25.60B27.97B29.71B31.55B34.65B39.52B43.59B44.32B46.72B49.28B52.06B58.46B65.55B71.63B
Invested Capital (Quarter)
0.10B0.01B0.20B0.12B0.07B0.08B0.16B0.19B0.21B0.07B0.66B0.64B0.62B1.73B0.59B0.12B0.29B0.12B
Asset Utilization Ratio (Quarter)
0.180.130.160.170.190.200.200.200.210.230.230.230.230.220.210.22
Leverage & Solvency
Interest Coverage Ratio (Quarter)
-239.46-3.37-123.74-252.75-70.62-1.64-56.19-71.59-49.22-1.04-49.21-99.16-62.70-1.01-90.51-247.49-47.10-0.58
Debt Ratio (Quarter)
0.110.010.010.000.030.010.010.010.010.030.030.020.010.020.020.020.04
Times Interest Earned (Quarter)
-239.46-3.37-123.74-252.75-70.62-1.64-56.19-71.59-49.22-1.04-49.21-99.16-62.70-1.01-90.51-247.49-47.10-0.58
Valuation
Enterprise Value (Quarter)
-2.79B-3.62B-3.14B-3.79B-3.70B-4.65B-4.32B-6.22B-3.27B-6.05B-6.06B-8.55B-7.79B-9.93B-10.38B-13.39B-13.19B-15.12B
Return Ratios
Return on Sales (Quarter)
0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Return on Invested Capital (Quarter)
-0.01%0.01%0.02%0.03%-0.01%0.06%0.02%0.03%0.02%0.02%0.02%0.02%0.01%0.01%0.01%0.01%0.01%
Return on Assets (Quarter)
0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%