InsiderClue
Stocks · Financials · Finance Services

Nu Holdings Ltd.

NU Clue Score61
Brazil Fiscal year ends December CIK 0001691493
$16.12 +4.81% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $16.12 +120.52% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 9 Dec 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2019Revenue0.61Net income−0.09EPS, diluted1,137,931.00Fiscal year 2020Revenue0.74 +20.4%Net income−0.17EPS, diluted1,315,578.00Fiscal year 2021Revenue1.70 +130.4%Net income−0.16EPS, diluted−0.10Fiscal year 2022Revenue4.79 +182.2%Net income−0.36EPS, diluted−0.08Fiscal year 2023Revenue8.03 +67.5%Net income1.03EPS, diluted0.21Fiscal year 2024Revenue11.52 +43.4%Net income1.97 +91.4%EPS, diluted0.40
FY2019FY2020FY2021FY2022FY2023FY2024
Revenue 0.61 0.74 1.70 4.79 8.03 11.52
Growth +20.4% +130.4% +182.2% +67.5% +43.4%
Net income −0.09 −0.17 −0.16 −0.36 1.03 1.97
Growth +91.4%
EPS, diluted 1,137,931.00 1,315,578.00 −0.10 −0.08 0.21 0.40

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginNet margin
Fiscal year 2019Gross margin40.5%Net margin−15.1%Fiscal year 2020Gross margin44.3%Net margin−23.3%Fiscal year 2021Gross margin43.2%Net margin−9.7%Fiscal year 2022Gross margin34.7%Net margin−7.6%Fiscal year 2023Gross margin43.5%Net margin12.8%Fiscal year 2024Gross margin45.6%Net margin17.1%
FY2019FY2020FY2021FY2022FY2023FY2024
Gross margin 40.5% 44.3% 43.2% 34.7% 43.5% 45.6%
Net margin −15.1% −23.3% −9.7% −7.6% 12.8% 17.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2019Operating cash flow0.28Fiscal year 2020Operating cash flow0.97Fiscal year 2021Operating cash flow−2.92Fiscal year 2022Operating cash flow0.76Fiscal year 2023Operating cash flow1.27Fiscal year 2024Operating cash flow2.40
FY2019FY2020FY2021FY2022FY2023FY2024
Operating cash flow 0.28 0.97 −2.92 0.76 1.27 2.40

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2019Cash1.25Shareholders’ equity0.61Fiscal year 2020Cash2.34Shareholders’ equity0.44Fiscal year 2021Cash2.71Shareholders’ equity4.44Fiscal year 2022Cash4.17Shareholders’ equity4.89Fiscal year 2023Cash5.92Shareholders’ equity6.41Fiscal year 2024Cash9.19Shareholders’ equity7.65
FY2019FY2020FY2021FY2022FY2023FY2024
Cash 1.25 2.34 2.71 4.17 5.92 9.19
Shareholders’ equity 0.61 0.44 4.44 4.89 6.41 7.65

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2024 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024
Margins
40.5% 44.3% 43.2% 34.7% 43.5% 45.6%
−21.1% −26.2% −10.0% −6.4% 19.2% 24.3%
−15.1% −23.3% −9.7% −7.6% 12.8% 17.1%
Spending
−32.7% −36.1% −37.0% −27.8% n/a n/a
n/a n/a n/a n/a 33.0% 29.4%
Returns
−15.1% −39.1% −3.7% −7.5% 16.1% 25.8%
n/a −1.7% −0.8% −1.2% 2.4% 3.9%
Balance and payout
n/a 95.7% 77.6% 83.7% 85.2% 84.7%