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%47.54%43.19%47.72%45.82%45.61%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%23.28%21.15%25.47%24.59%25.67%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%-90.53%65.23%69.98%67.05%-98.89%56.74%51.50%51.86%
EBITDA Margin 116.18%100.97%97.66%-198.73%74.76%64.94%-2.76%1.87%65.37%66.36%-4.56%5.27%-1.63%-14.69%1.95%-19.37%10.70%8.39%4.22%
Operating Margin 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%
Net Margin -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%
FCF Margin 0.73%0.60%0.53%-290.68%0.53%0.64%0.87%15.74%6.11%0.61%0.19%0.20%-20.85%-0.13%0.04%0.26%0.07%0.05%0.06%
Efficiency
Assets Average 22.06B24.72B25.60B27.97B29.71B31.55B34.65B39.52B43.59B44.32B46.72B49.28B52.06B58.46B65.55B
Invested Capital 0.54B4.59B5.48B7.54B9.38B
Asset Utilization Ratio 0.110.130.160.170.190.200.200.200.210.230.230.230.230.220.21
Leverage & Solvency
Interest Coverage Ratio -8.97-5.93-4.63-2.27-2.40-1.84-1.85-0.95-2.40-2.73-2.64-0.63-2.70-3.00-2.59-0.60-2.06-1.83-1.70
Debt to Equity 0.180.000.030.03
Debt Ratio 0.010.000.000.00
Equity Ratio 0.040.220.160.150.15
Times Interest Earned -8.97-5.93-4.63-2.27-2.40-1.84-1.85-0.95-2.40-2.73-2.64-0.63-2.70-3.00-2.59-0.60-2.06-1.83-1.70
Valuation
Enterprise Value -2.42B-2.44B-2.66B-2.34B-2.79B-3.18B-3.79B-3.70B-4.16B-4.33B-6.20B-4.19B-5.94B-6.05B-8.56B-7.67B-9.26B-10.41B-13.41B-13.18B
Return Ratios
Return on Sales -0.23%0.01%-0.02%-0.16%-0.10%-0.02%0.00%-0.18%0.21%0.23%0.24%-0.11%0.28%0.34%0.30%-0.22%0.32%0.24%0.27%
Return on Assets -0.01%-0.01%-0.01%-0.01%0.00%0.02%0.03%0.03%0.03%0.05%0.05%0.04%0.04%0.04%0.04%