Nu Holdings Ltd. (NU)
Nu Holdings Ltd. reported revenue of $11.5B in fiscal 2024, up 43.4% from a year earlier. Net income was $2B, a net margin of 17.1%. At December 31, 2024 it held $9.2B in cash against $1.7B of debt. Its latest periodic report to the SEC is the annual report (foreign issuer) (20-F) filed on April 8, 2026.
Key facts about Nu Holdings Ltd.
- Net worth
- Nu Holdings Ltd. has a market value (market cap) of $60B at the latest share price, and shareholders' equity of $7.6B on its balance sheet at December 31, 2024. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2024 revenue was $11.5B (+43.4% year on year), with net income of $2B.
- Cash flow
- In fiscal 2024 operations brought in $2.4B of cash.
- Latest report
- The latest periodic report (annual report (foreign issuer), 20-F) was filed with the SEC on April 8, 2026 and covers the period to December 31, 2025. Open on SEC EDGAR
What Nu Holdings Ltd. does
Nu Holdings operates Nubank, a digital banking platform providing financial services primarily in Latin America. It offers credit cards, checking accounts, personal loans, investment products, and insurance to retail consumers and small businesses through mobile applications. Its shares trade on NYSE under the ticker NU.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2024 | $11.5B | $2B | $0.40 | n/a |
| 2023 | $8B | $1B | $0.21 | n/a |
| 2022 | $4.8B | -$364.6M | -$0.08 | n/a |
| 2021 | $1.7B | -$165M | -$0.10 | n/a |
| 2021 | $737.1M | -$171.5M | $1,315,578.00 | n/a |
| 2019 | $612.1M | -$92.5M | $1,137,931.00 | n/a |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where NU ranks in Finance
Latest SEC filings
What Nu Holdings Ltd. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 23, 2026
- September 30, 2026
- September 10, 2026
- September 2, 2026
- August 13, 2026
- August 13, 2026
- August 13, 2026
- August 13, 2026
- August 7, 2026
- August 3, 2026Passive stake changed SCHEDULE 13G/A
Insider trades
What the people running Nu Holdings Ltd. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $6M worth of shares in the last 90 days and bought none on the open market. 28% of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 23, 2026 | Young EricChief Technology Officer | Shares withheld for tax | 491,141 | $6.5M |
| October 23, 2026 | Osorno David VelezChairman and CEO, Director, 10% owner | Shares withheld for tax | 45,690 | $607.2K |
| October 23, 2026 | Fragelli Henrique Camossa SaldanhaChief Risk Officer | Shares withheld for tax | 13,118 | $174.3K |
| October 23, 2026 | Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth Officer | Shares withheld for tax | 8,048 | $107K |
| October 15, 2026 | Velez Osorno DavidChairman and CEO, Director, 10% owner | Received as pay | 13,577,733 | - |
| October 5, 2026 | Junqueira Cristina Helena ZingarettiUS CEO and Chief Growth Offcr | Soldpre-planned (10b5-1), indirect | 25,000 | $375.4K |
| September 28, 2026 | Wilson Sarah K.Chief Legal Officer | Received as pay | 1,430,908 | - |
| August 25, 2026 | Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth Officer | Soldpre-planned (10b5-1) | 65,000 | $956.5K |
Who owns NU
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| David Velez Osorno13G, passive with 1 related filers | 19.16% | October 17, 2025 |
| Baillie Gifford & Co13G, passive | 6% | August 3, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 855 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 355,012,573 | +15,104,548 |
| Baillie Gifford & Co | 229,930,331 | -16,634,123 |
| Capital Research Global Investors | 142,761,832 | +14,300,365 |
| Morgan Stanley | 117,966,561 | -23,661,822 |
| Jpmorgan Chase & Co | 99,956,959 | +8,560,238 |
| State Street Corp | 96,805,622 | +3,781,999 |
| Fmr LLC | 75,611,219 | +2,391,731 |
| Wcm Investment Management, LLC | 74,446,402 | +1,609,207 |
| Lone Pine Capital LLC | 47,219,717 | +9,208,492 |
| Norges Bank | 46,287,265 | new |
| D1 Capital Partners L.P. | 44,418,543 | +18,527,842 |
| Technology Crossover Management X, Ltd. | 42,574,870 | 0 |
| Bank of America Corp | 40,300,489 | -5,666,443 |
| Kontiki Capital Management (HK) Ltd. | 39,032,382 | +6,387,644 |
| Ribbit Management Company, LLC | 38,993,253 | +9,511,613 |
| Larch Capital Partners LLC | 35,783,303 | +27,206 |
| Maverick Capital Ltd | 35,552,101 | +13,107,790 |
| Assenagon Asset Management S.A. | 33,717,046 | +1,181,955 |
| Legal & General Group Plc | 32,384,447 | +2,224,658 |
| Goldman Sachs Group Inc | 30,378,285 | -3,357,140 |
Insiders
15 insiders reported holding 54,275,757 shares in total, about $670.8M at the last price.
| Holder | Shares |
|---|---|
| Osorno David VelezChairman and CEO, Director, 10% owner | 19,691,424 |
| Junqueira Cristina Helena ZingarettiUS CEO and Chief Growth Offcr | 12,266,0497,189,931 held indirectly |
| Lago Guilherme MarquesChief Financial Officer | 6,976,027 |
| Fragelli Henrique Camossa SaldanhaChief Risk Officer | 5,642,968 |
| Young EricChief Technology Officer | 4,457,091 |
| Livingston Robert PhilipChief Financial Officer | 2,194,587 |
| Wilson Sarah K.Chief Legal Officer | 1,430,908 |
| Marcus DavidDirector | 655,039 |
| Moreno Mejia Luis AlbertoDirector | 252,541 |
| Leone Douglas MDirector | 200,221 |
Questions about NU
What does Nu Holdings Ltd. do?
Nu Holdings operates Nubank, a digital banking platform providing financial services primarily in Latin America. It offers credit cards, checking accounts, personal loans, investment products, and insurance to retail consumers and small businesses through mobile applications. Its shares trade on NYSE under the ticker NU.
What is Nu Holdings Ltd.'s net worth?
Nu Holdings Ltd. has a market value (market cap) of $60B at the latest share price, and shareholders' equity of $7.6B on its balance sheet at December 31, 2024. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Nu Holdings Ltd. profitable?
Yes. In fiscal 2024 it reported net income of $2B on revenue of $11.5B, a net margin of 17.1%.
How much revenue does Nu Holdings Ltd. make?
In fiscal 2024 Nu Holdings Ltd. reported revenue of $11.5B. That is 43.4% more than a year earlier.
When did Nu Holdings Ltd. last report?
Its most recent periodic report is the annual report (foreign issuer) (20-F) filed on April 8, 2026. It covers the period to December 31, 2025. Its newest filing of any kind is the insider trade from October 27, 2026.
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Where the numbers come from
Financial figures are the values Nu Holdings Ltd. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.