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
Profitability
Gross Margin 47.20%49.51%46.57%35.68%33.52%31.41%32.68%39.87%40.21%41.85%42.81%43.19%47.72%45.82%40.63%42.20%43.49%
EBT Margin -21.78%-1.95%-4.52%-13.92%-7.71%-2.13%0.39%-15.29%15.05%17.34%19.26%21.15%25.47%24.59%24.48%23.97%26.75%
EBIT Margin 116.18%100.97%97.66%-198.73%74.76%64.94%64.96%-176.86%65.37%66.36%66.37%65.23%69.98%67.05%56.74%60.39%60.19%
EBITDA Margin 116.18%-20.61%-13.51%-198.73%74.76%64.94%-2.16%-176.86%65.37%19.60%9.62%65.23%2.41%20.76%56.74%25.75%22.98%
Operating Margin 116.18%100.97%97.66%-198.73%74.76%64.94%64.96%-176.86%65.37%66.36%66.37%65.23%69.98%67.05%56.74%60.39%60.19%
Net Margin -21.78%-1.95%-4.52%-13.92%-7.71%-2.13%0.39%-15.29%15.05%17.34%19.26%21.15%25.47%24.59%24.48%23.97%26.75%
FCF Margin -291.63%
Efficiency
Equity Average 0.74B1.58B2.11B3.28B4.70B4.96B4.96B4.93B5.05B5.43B5.77B6.15B6.60B6.86B7.28B7.65B8.13B9.09B10.06B
Invested Capital 0.54B1.04B2.11B2.11B4.59B4.96B4.96B4.96B5.48B5.21B5.64B5.89B7.54B6.80B6.92B7.64B9.38B8.61B9.58B10.55B
Leverage & Solvency
Debt to Equity 0.180.000.030.03
Debt Ratio 0.010.000.000.00
Equity Ratio 0.040.220.160.150.15
Valuation
Enterprise Value -2.34B-0.00B-2.00B40.52B32.62B13.54B16.86B14.90B17.99B30.98B31.08B33.66B50.82B53.00B57.71B40.61B39.06B52.92B64.47B
Market Capitalization 43.23B35.59B17.24B20.55B19.07B22.30B37.16B34.29B39.59B56.86B61.53B65.36B49.80B49.34B66.19B77.37B
Return Ratios
Return on Sales -0.10%-0.08%-0.06%-0.04%-0.06%0.00%0.06%0.11%0.23%0.26%0.29%0.31%0.32%0.32%
Return on Equity -0.05%-0.04%-0.04%-0.04%-0.06%0.00%0.06%0.13%0.24%0.30%0.33%0.35%0.34%0.35%