Nu Holdings Ltd. (NU) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 2.64B | 1.21B | 2.3B | 2.1B | 1.84B | 1.75B | 1.71B | 1.72B | 1.62B | 1.35B | 1.2B | 1.05B | 815.24M | 688M | 527.36M | 445.51M | 346.44M | 262.58M | 193.56M | 127.66M |
| NII Growth % | 43.8% | -30.5% | 34.38% | 22.15% | 13.36% | 29.72% | 43.33% | 64.13% | 98.66% | 95.6% | 126.61% | 134.96% | 135.32% | 162.02% | 172.45% | - | - | - | - | - |
| Net Interest Margin % | 3.41% | 1.62% | 3.37% | 3.35% | 3.39% | 3.5% | 3.52% | 3.83% | 3.69% | 3.1% | 3.35% | 3.11% | 2.76% | 2.3% | 2.03% | 1.77% | 1.43% | 1.32% | 1.3% | 0.92% |
| Interest Income | 3.91B | 2.59B | 3.58B | 3.13B | 2.73B | 2.49B | 2.47B | 2.38B | 2.28B | 1.95B | 1.73B | 1.5B | 1.26B | 1.1B | 987.25M | 853.01M | 619.44M | 439.55M | 294.96M | 184.89M |
| Interest Expense | 1.27B | 1.38B | 1.28B | 1.03B | 896.2M | 747.99M | 760.96M | 665.19M | 660.72M | 605.64M | 537.65M | 453.43M | 440.21M | 407.51M | 459.89M | 407.5M | 273M | 176.97M | 101.39M | 57.24M |
| Loan Loss Provision | 1.71B | 1.24B | 950.88M | 1.01B | 973.2M | 804.36M | 774.14M | 759.76M | 830.72M | 592.48M | 684.28M | 590.43M | 474.8M | 415.22M | 375.47M | 338.49M | 275.72M | 199.68M | 127M | 82.67M |
| Non-Interest Income | 1.07B | 2.11B | 595.9M | 554.46M | 515.21M | 364.48M | 383.6M | 366.86M | 358.48M | 346.81M | 404.06M | 296.52M | 287.85M | 281.21M | 250.55M | 231.24M | 200.9M | 141.8M | 140.83M | 105.28M |
| Non-Interest Income % | 21.54% | 44.94% | 14.28% | 15.05% | 15.87% | 12.75% | 13.42% | 13.34% | 13.59% | 15.09% | 18.91% | 16.5% | 18.65% | 20.43% | 20.24% | 21.33% | 24.49% | 24.39% | 32.32% | 36.28% |
| Total Revenue | 4.98B | 4.7B | 4.17B | 3.68B | 3.25B | 2.86B | 2.86B | 2.75B | 2.64B | 2.3B | 2.14B | 1.8B | 1.54B | 1.38B | 1.24B | 1.08B | 820.34M | 581.35M | 435.79M | 290.18M |
| Revenue Growth % | 53.43% | 64.57% | 46.05% | 33.93% | 23.06% | 24.37% | 33.73% | 53.06% | 70.98% | 66.93% | 72.63% | 65.71% | 88.13% | 136.81% | 184.03% | - | - | - | - | - |
| Non-Interest Expense | 1.05B | 1.01B | 829.33M | 760.63M | 581.74M | 538.36M | 598.51M | 599.79M | 568.76M | 540.1M | 503.28M | 428.91M | 384.67M | 775.73M | 397.32M | 362.87M | 339.26M | 293.2M | 229.15M | 156.81M |
| Efficiency Ratio | 20.98% | 21.42% | 19.87% | 20.65% | 17.91% | 18.84% | 20.95% | 21.81% | 21.55% | 23.5% | 23.55% | 23.87% | 24.93% | 56.35% | 32.1% | 33.47% | 41.36% | 50.43% | 52.58% | 54.04% |
| Operating Income | 954.31M | 1.08B | 1.12B | 879.36M | 795.07M | 767.45M | 723.79M | 725.42M | 578.54M | 559.93M | 411.55M | 323.98M | 243.63M | -221.75M | 5.11M | -24.61M | -67.65M | -88.5M | -21.76M | -6.54M |
| Operating Margin % | 19.15% | 22.91% | 26.75% | 23.87% | 24.48% | 26.85% | 25.33% | 26.38% | 21.92% | 24.36% | 19.26% | 18.03% | 15.79% | -16.11% | 0.41% | -2.27% | -8.25% | -15.22% | -4.99% | -2.25% |
| Operating Income Growth % | 20.03% | 40.43% | 54.23% | 21.22% | 37.43% | 37.06% | 75.87% | 123.91% | 137.47% | 352.51% | 7958.45% | 1416.34% | 460.13% | -150.55% | 123.47% | - | - | - | - | - |
| Pretax Income | 955.34M | 1.08B | 1.12B | 879.36M | 795.07M | 767.45M | 723.79M | 725.42M | 578.54M | 559.93M | 411.55M | 323.98M | 243.63M | -221.75M | 5.11M | -24.61M | -67.65M | -88.5M | -21.76M | -6.54M |
| Pretax Margin % | 19.17% | 22.99% | 26.75% | 23.87% | 24.48% | 26.85% | 25.33% | 26.38% | 21.92% | 24.36% | 19.26% | 18.03% | 15.79% | -16.11% | 0.41% | -2.27% | -8.25% | -15.22% | -4.99% | -2.25% |
| Income Tax | 82.88M | 182.9M | 333.61M | 242.38M | 237.87M | 214.81M | 170.4M | 238.15M | 199.72M | 199.05M | 108.51M | 99.11M | 101.88M | 75.87M | -2.73M | 5.24M | -22.65M | -22.23M | 12.6M | 8.68M |
| Effective Tax Rate % | 8.67% | 16.91% | 29.89% | 27.56% | 29.92% | 27.99% | 23.54% | 32.83% | 34.52% | 35.55% | 26.37% | 30.59% | 41.82% | -34.21% | -53.38% | -21.28% | 33.48% | 25.12% | -57.91% | -132.79% |
| Net Income | 872.06M | 892.38M | 782.47M | 636.84M | 557.2M | 552.64M | 553.39M | 487.27M | 378.81M | 360.88M | 303.04M | 224.87M | 141.75M | -297.61M | 7.83M | -29.7M | -45.1M | -66.08M | -34.21M | -15.22M |
| Net Margin % | 17.5% | 18.97% | 18.75% | 17.29% | 17.16% | 19.34% | 19.37% | 17.72% | 14.36% | 15.7% | 14.18% | 12.52% | 9.18% | -21.62% | 0.63% | -2.74% | -5.5% | -11.37% | -7.85% | -5.25% |
| Net Income Growth % | 56.51% | 61.48% | 41.4% | 30.69% | 47.09% | 53.14% | 82.61% | 116.69% | 167.24% | 221.26% | 3768.71% | 857.2% | 414.3% | -350.4% | 122.9% | - | - | - | - | - |
| Net Income (Continuing) | 872.47M | 898.49M | 782.68M | 636.99M | 557.21M | 552.64M | 553.39M | 487.27M | 378.81M | 360.88M | 303.04M | 224.87M | 141.75M | -297.61M | 7.83M | -29.85M | -45M | -66.27M | -34.36M | -15.22M |
| EPS (Diluted) | 0.18 | 0.18 | 0.16 | 0.13 | 0.11 | 0.11 | 0.11 | 0.10 | 0.08 | 0.07 | 0.06 | 0.05 | 0.03 | -0.06 | 0.00 | -0.01 | -0.01 | -0.01 | -0.01 | -0.00 |
| EPS Growth % | 63.64% | 63.64% | 45.45% | 30.26% | 41.94% | 48.05% | 76.28% | 115.09% | 163.61% | 218.69% | - | - | - | -337.76% | - | - | - | - | - | - |
| EPS (Basic) | 0.18 | 0.18 | 0.16 | 0.13 | 0.12 | 0.11 | 0.12 | 0.10 | 0.08 | 0.08 | 0.06 | 0.05 | 0.03 | -0.06 | 0.00 | -0.01 | -0.01 | -0.01 | -0.01 | -0.00 |
| Diluted Shares Outstanding | 4.91B | 4.91B | 4.91B | 4.9B | 4.89B | 4.81B | 4.89B | 4.88B | 4.89B | 4.86B | 4.86B | 4.84B | 4.82B | 4.75B | 4.82B | 4.67B | 4.66B | 4.61B | 4.61B | 4.61B |