Nu Holdings reported a gross margin of 42.56% and a net margin of 19.29% for the quarter ended Jun 2026. These financial ratios cover 23 quarters of results from Dec 2020 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||
| Gross Margin | 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% | 37.54% | 42.56% | |||
| EBT Margin | -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% | 19.21% | 22.42% | |||
| EBIT Margin | 97.66% | 85.27% | 74.76% | 64.94% | 64.96% | 95.03% | 65.37% | 66.36% | 66.37% | -90.53% | 65.23% | 69.98% | 67.05% | -98.89% | 56.74% | 51.50% | 51.86% | 50.86% | 47.44% | 53.44% | |||
| EBITDA Margin | 97.66% | 85.27% | 74.76% | 64.94% | 64.96% | 95.03% | 65.37% | 66.36% | 66.37% | -90.53% | 65.23% | 69.98% | 67.05% | -98.89% | 56.74% | 51.50% | 51.86% | 50.86% | 47.44% | 53.44% | |||
| Operating Margin | 97.66% | 85.27% | 74.76% | 64.94% | 64.96% | 95.03% | 65.37% | 66.36% | 66.37% | -90.53% | 65.23% | 69.98% | 67.05% | -98.89% | 56.74% | 51.50% | 51.86% | 50.86% | 47.44% | 53.44% | |||
| Net Margin | -7.11% | -10.39% | -5.14% | -2.57% | 0.60% | -0.03% | 8.76% | 12.03% | 14.18% | 0.04% | 12.22% | 2.41% | 20.76% | -0.88% | 27.86% | 25.75% | 22.97% | 15.04% | 24.95% | 19.29% | |||
| FCF Margin | 0.53% | 0.95% | 9.46% | 40.75% | -0.31% | 17.12% | 6.11% | 91.57% | -150.64% | 113.38% | -20.85% | 93.55% | 0.04% | 0.26% | 0.07% | 0.05% | 0.06% | 0.01% | 0.09% | 0.21% | |||
| Efficiency | |||||||||||||||||||||||
| Assets AverageAssets Avg. | 22.06B | 24.72B | 25.60B | 27.97B | 29.71B | 31.55B | 34.65B | 39.52B | 43.59B | 44.32B | 46.72B | 49.28B | 52.06B | 58.46B | 65.55B | 71.63B | 76.18B | 80.10B | |||||
| Invested CapitalInvested Cap. | 4.45B | 4.79B | 4.76B | 4.80B | 5.09B | 5.35B | 5.79B | 6.05B | 6.62B | 7.43B | 7.54B | 8.13B | 8.03B | 9.10B | 10.64B | 11.92B | 12.19B | 14.23B | 14.43B | ||||
| Asset Utilization RatioAsset Util. | 0.11 | 0.13 | 0.16 | 0.17 | 0.19 | 0.20 | 0.20 | 0.20 | 0.21 | 0.23 | 0.23 | 0.23 | 0.23 | 0.22 | 0.21 | 0.22 | 0.23 | 0.24 | |||||
| Leverage & Solvency | |||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | -4.63 | -3.06 | -2.40 | -1.84 | -1.85 | -3.38 | -2.40 | -2.73 | -2.64 | -1.89 | -2.70 | -20.21 | -17.40 | 26.65 | -17.24 | -16.82 | -16.66 | -15.11 | -13.88 | -14.66 | |||
| Debt Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 | 0.01 | ||||
| Times Interest Earned | -4.63 | -3.06 | -2.40 | -1.84 | -1.85 | -3.38 | -2.40 | -2.73 | -2.64 | -1.89 | -2.70 | -20.21 | -17.40 | 26.65 | -17.24 | -16.82 | -16.66 | -15.11 | -13.88 | -14.66 | |||
| Valuation | |||||||||||||||||||||||
| Price to EarningsP/E | -654.40 | -789.10 | -580.58 | 0.00B | -0.00B | 157.05 | 164.10 | 111.89 | 0.00B | 169.16 | 889.52 | 105.89 | -0.00B | 54.24 | 69.61 | 80.03 | 114.77 | 56.02 | 60.72 | ||||
| Price to SalesP/S | 67.99 | 40.57 | 14.89 | 15.52 | 13.12 | 13.75 | 19.75 | 15.87 | 16.41 | 20.66 | 21.44 | 21.98 | 16.61 | 15.11 | 17.92 | 18.39 | 17.27 | 13.98 | 11.71 | ||||
| Price to BookP/B | 9.73 | 7.43 | 3.64 | 4.27 | 3.89 | 4.27 | 6.54 | 5.76 | 6.16 | 8.31 | 8.82 | 8.46 | 6.49 | 5.70 | 6.87 | 7.27 | 7.15 | 5.52 | 4.87 | ||||
| Enterprise Value | 40.52B | 32.41B | 13.43B | 16.52B | 14.38B | 17.85B | 30.59B | 30.52B | 33.42B | 50.33B | 52.43B | 56.86B | 40.38B | 38.68B | 52.32B | 63.60B | 65.78B | 55.40B | 50.88B | ||||
| EV to EBIT | 74.72 | 49.42 | 17.87 | 19.45 | 10.44 | 16.87 | 24.67 | 21.52 | -15.35 | 28.21 | 26.30 | 28.81 | -13.66 | 20.99 | 27.69 | 29.39 | 27.60 | 23.51 | 17.27 | ||||
| EV to EBITDA | 74.72 | 49.42 | 17.87 | 19.45 | 10.44 | 16.87 | 24.67 | 21.52 | -15.35 | 28.21 | 26.30 | 28.81 | -13.66 | 20.99 | 27.69 | 29.39 | 27.60 | 23.51 | 17.27 | ||||
| Market Capitalization | 43.24B | 35.59B | 17.24B | 20.28B | 19.04B | 22.26B | 36.90B | 33.91B | 39.47B | 56.53B | 61.08B | 64.69B | 49.65B | 49.07B | 65.75B | 76.72B | 80.90B | 69.45B | 64.57B | ||||
| Price to FCFP/FCF | 0.00B | 428.86 | 36.55 | -0.00B | 76.65 | 225.13 | 21.56 | -10.53 | 14.48 | -99.11 | 22.92 | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | ||||
| EV to FCF | 0.00B | 390.58 | 28.47 | -0.00B | 57.92 | 180.50 | 17.87 | -9.48 | 12.26 | -88.24 | 19.67 | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | ||||
| EV to CFO | 413.94 | 28.92 | -0.00B | 62.99 | 189.30 | 17.99 | -9.44 | 12.35 | -88.21 | 19.65 | |||||||||||||
| Return Ratios | |||||||||||||||||||||||
| Return on Sales [ROS]ROS | 97.66% | 85.27% | 74.76% | 64.94% | 64.96% | 95.03% | 65.37% | 66.36% | 66.37% | -90.53% | 65.23% | 69.98% | 67.05% | -98.89% | 56.74% | 51.50% | 51.86% | 50.86% | 47.44% | 53.44% | |||
| Return on Invested Capital [ROIC]ROIC | 49.00% | 57.44% | 72.72% | 60.26% | 5,937.07% | 144.68% | 129.88% | 32.34% | 42.69% | 53.53% | 59.85% | 44.79% | 42.85% | 35.48% | 33.59% | 86.38% | 80.50% | 80.91% | |||||
| Return on Assets [ROA]ROA | -0.94% | -0.93% | -0.85% | -0.91% | 0.61% | 1.98% | 3.30% | 5.18% | 5.69% | 6.82% | 7.27% | 7.34% | 7.44% | 6.90% | 7.00% | 6.79% | 6.39% | 6.44% |