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%51.50%51.86%50.86%
EBITDA Margin (Quarter)
-44.57%100.97%97.66%-17.18%-6.25%-11.11%-12.60%-9.49%-0.89%6.80%1.39%6.50%65.23%-10.77%-8.47%-27.70%-14.80%-4.72%0.08%-3.93%
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%51.50%51.86%50.86%
Net Margin (Quarter)
-23.36%0.64%-1.90%-15.89%-10.29%-1.67%0.18%-17.74%21.35%22.64%24.34%-10.73%28.45%33.83%30.38%-22.21%31.81%23.97%26.75%23.00%
FCF Margin (Quarter)
0.73%0.60%0.53%0.95%0.53%0.64%0.87%6.11%0.61%0.19%0.20%-20.85%-0.13%0.04%0.26%0.07%0.05%0.06%0.01%
Efficiency
Assets Average (Quarter)
22.06B24.72B25.60B27.97B29.71B31.55B34.65B18.54B22.61B44.32B46.72B49.28B52.06B58.46B65.55B36.81B
Equity Average (Quarter)
10.06B10.92B
Invested Capital (Quarter)
0.10B4.45B0.20B0.12B0.07B0.14B0.16B0.19B0.21B6.47B0.66B0.64B0.62B7.72B0.59B9.70B10.85B15.69B
Asset Utilization Ratio (Quarter)
0.110.130.160.170.190.200.200.430.400.230.230.230.230.220.210.43
Leverage & Solvency
Debt to Equity (Quarter)
0.0312.450.210.250.250.320.56
Debt Ratio (Quarter)
0.010.010.020.020.030.030.030.040.980.050.050.040.040.040.040.051.19
Equity Ratio (Quarter)
0.220.004.630.150.150.152.15
Valuation
Enterprise Value (Quarter)
-2.79B-2.66B-2.34B-2.79B-3.14B-3.79B-3.70B-4.18B-4.32B-6.22B-3.27B-5.94B-6.06B-8.56B-7.84B-9.22B-10.41B-13.41B-13.18B-15.04B
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)
0.00%0.02%0.03%-0.01%0.08%0.02%0.03%0.00%0.00%0.02%0.02%0.00%0.00%
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%
Return on Equity (Quarter)
0.00%0.00%