Nu Holdings Ltd

NYSE:NUFinancial ServicesSTOXX:EDE15BPSTOXX:EDE5P

$14.51−0.34%At closeAt close · Tue 20 Oct · ≈ AED 53.29 · Market cap $70.09B · Next earnings Thu 12 Nov · Extended $14.50 −0.07%

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	33.1%	43.9%	34.7%	43.6%	45.9%	44.8%	—	—
Operating margin	−33.6%	−11.3%	−6.8%	20.1%	25.2%	24.4%	24.4%	+0.0 pts
Net margin	−29.8%	−10.9%	−8.1%	13.4%	17.8%	18.1%	18.1%	+0.0 pts
EBITDA margin	−32.3%	−10.1%	780.5%	20.9%	25.9%	25.0%	—	—
Return on equity	−39.1%	−3.7%	−7.5%	16.1%	25.8%	25.4%	25.3%	−0.1 pts
Return on assets	−1.7%	−0.8%	−1.2%	2.4%	3.9%	3.8%	3.8%	+0.0 pts
Return on capital employed	−22.2%	−3.3%	−4.6%	16.4%	25.3%	25.6%	—	—
Debt / equity	0.4×	0.0×	0.2×	0.2×	0.1×	0.5×	0.5×	−0.3%
Debt / assets	1.9%	0.8%	2.7%	2.7%	1.8%	7.0%	—	—
Interest coverage	−0.9×	−0.5×	−0.2×	0.8×	1.0×	0.8×	—	—
Current ratio	0.6×	1.1×	1.1×	1.1×	1.0×	0.6×	0.6×	+0.0%
Quick ratio	0.6×	1.1×	1.1×	1.1×	1.0×	0.6×	—	—
Cash ratio	0.1×	0.2×	0.3×	0.4×	0.4×	0.3×	0.3×	+0.0%
Asset turnover	0.1×	0.1×	0.2×	0.2×	0.2×	0.2×	—	—
Receivables turnover	0.2×	0.3×	0.5×	0.5×	0.8×	0.8×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.