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Nu Holdings Ltd
NYSE:NU

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Nu Holdings Ltd
NYSE:NU
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Price: 16.71 USD -1.94% Market Closed
Market Cap: $80.5B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
-
5Y
-
10Y
-
Investing Cash Flow
+
3Y
-306%
5Y
-
10Y
-
Financing Cash Flow
+
3Y
-57%
5Y
-
10Y
-

Cash Flow Statement
Nu Holdings Ltd

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Cash Flow Statement
Currency: USD
Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
(171)
(188)
(204)
(206)
(165)
(161)
(175)
(133)
(365)
(178)
77
372
1 031
1 268
1 530
1 780
1 972
2 151
2 300
2 530
Depreciation & Amortization
7
9
10
15
17
22
30
32
36
41
45
56
63
68
73
73
77
80
85
91
Change in Deffered Taxes
(44)
(60)
(104)
(153)
(225)
(311)
(358)
(414)
(418)
(400)
(473)
(562)
(676)
(787)
(809)
(775)
(713)
(341)
(353)
(243)
Stock-Based Compensation
36
59
73
81
157
167
239
406
253
269
234
98
213
233
255
268
272
272
248
256
Other Non-Cash Items
314
460
548
680
666
774
1 143
1 352
1 752
2 020
2 291
2 623
2 860
3 280
3 456
3 653
3 984
4 158
4 553
4 780
Cash Taxes Paid
8
19
27
37
52
239
262
276
297
499
473
570
612
1 195
1 261
1 225
1 263
1 448
1 526
1 597
Cash Interest Paid
6
5
9
10
9
13
11
21
31
44
59
76
83
100
103
106
88
72
61
83
Change in Working Capital
871
591
(145)
(1 592)
(3 218)
(2 949)
(2 752)
(2 168)
(250)
(712)
68
(3 702)
(2 011)
(3 227)
(2 680)
(995)
(2 921)
(1 992)
(2 644)
(3 119)
Cash from Operating Activities
977
N/A
812
-17%
104
-87%
(1 257)
N/A
(2 924)
-133%
(2 624)
+10%
(2 113)
+19%
(1 332)
+37%
756
N/A
772
+2%
2 007
+160%
(1 212)
N/A
1 266
N/A
601
-53%
1 570
+161%
3 735
+138%
2 399
-36%
4 055
+69%
3 941
-3%
4 040
+2%
Investing Cash Flow
Capital Expenditures
(8)
(13)
(11)
(18)
(28)
(38)
(76)
(100)
(114)
(146)
(160)
(174)
(177)
(157)
(122)
(110)
(175)
(231)
(284)
(374)
Other Items
(8)
0
(117)
(109)
(126)
(149)
(30)
(30)
(13)
11
0
0
0
0
3
(3)
(156)
(155)
0
0
Cash from Investing Activities
(16)
N/A
(21)
-30%
(128)
-503%
(127)
+1%
(154)
-21%
(187)
-21%
(106)
+44%
(130)
-23%
(127)
+2%
(135)
-7%
(160)
-18%
(174)
-9%
(177)
-2%
(157)
+11%
(119)
+25%
(114)
+4%
(331)
-191%
(385)
-17%
(443)
-15%
(526)
-19%
Financing Cash Flow
Net Issuance of Common Stock
307
707
807
807
3 398
3 247
2 848
2 847
253
5
8
9
9
9
5
5
6
4
4
4
Net Issuance of Debt
(67)
(57)
(111)
(34)
(15)
(30)
356
294
406
443
184
512
416
655
1 050
411
722
296
271
1 324
Other
(3)
(4)
0
0
(48)
(52)
(52)
(52)
(4)
0
0
0
0
0
0
0
0
0
0
0
Cash from Financing Activities
237
N/A
646
+172%
693
+7%
770
+11%
3 336
+333%
3 167
-5%
3 152
0%
3 090
-2%
654
-79%
448
-31%
192
-57%
521
+171%
425
-18%
664
+56%
1 055
+59%
416
-61%
728
+75%
300
-59%
275
-8%
1 328
+383%
Change in Cash
Effect of Foreign Exchange Rates
(101)
(269)
85
553
104
412
104
68
184
257
435
386
237
616
(151)
394
466
280
966
409
Net Change in Cash
1 097
N/A
1 168
+6%
755
-35%
(61)
N/A
362
N/A
768
+112%
1 039
+35%
1 696
+63%
1 467
-14%
1 342
-9%
2 474
+84%
(479)
N/A
1 751
N/A
1 723
-2%
2 355
+37%
4 432
+88%
3 262
-26%
4 250
+30%
4 739
+11%
5 250
+11%
Free Cash Flow
Free Cash Flow
969
N/A
799
-18%
93
-88%
(1 275)
N/A
(2 953)
-132%
(2 662)
+10%
(2 189)
+18%
(1 432)
+35%
641
N/A
625
-2%
1 847
+195%
(1 386)
N/A
1 089
N/A
444
-59%
1 448
+226%
3 625
+150%
2 224
-39%
3 824
+72%
3 657
-4%
3 666
+0%

See Also

Summary
NU intrinsic value, competitors valuation, and company profile.
DCF Valuation
NU stock valuation using Discount Cash Flow valuation method.
Relative Valuation
NU stock valuation using valuation multiples.
Wall Street Estimates
NU price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
NU stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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