Nu Holdings has been growing earnings at an average annual rate of 68%, while the Banks industry saw earnings growing at 19.5% annually. Revenues have been growing at an average rate of 43.5% per year. Nu Holdings's return on equity is 25.3%, and it has net margins of 41.9%.
Key information
67.97%
Earnings growth rate
69.64%
EPS growth rate
Banks Industry Growth
21.39%
Revenue growth rate
43.48%
Return on equity
25.30%
Net Margin
41.92%
Next Earnings Update
12 Nov 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Nu Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
BIT:1NUH Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
7,594
3,184
2,649
0
31 Dec 25
6,991
2,869
2,375
0
30 Sep 25
6,361
2,529
2,177
0
30 Jun 25
5,849
2,300
2,102
0
31 Mar 25
5,647
2,151
2,069
0
31 Dec 24
5,513
1,972
2,107
0
30 Sep 24
5,283
1,780
2,076
0
30 Jun 24
4,847
1,530
1,995
0
31 Mar 24
4,248
1,268
1,861
0
31 Dec 23
3,707
1,031
1,701
0
30 Sep 23
3,128
372
1,959
0
30 Jun 23
2,628
77
1,912
0
31 Mar 23
2,215
-178
1,851
0
31 Dec 22
1,839
-365
1,822
0
30 Sep 22
1,471
-133
1,392
0
30 Jun 22
1,252
-175
1,246
0
31 Mar 22
1,037
-161
1,080
0
31 Dec 21
850
-165
899
0
30 Sep 21
706
-206
693
0
30 Jun 21
553
-204
539
0
31 Mar 21
475
-188
445
0
31 Dec 20
454
-171
409
0
31 Dec 19
327
-93
357
0
31 Dec 18
155
-29
138
0
Quality Earnings: 1NUH has high quality earnings.
Growing Profit Margin: 1NUH's current net profit margins (41.9%) are higher than last year (38.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 1NUH has become profitable over the past 5 years, growing earnings by 68% per year.
Accelerating Growth: 1NUH's earnings growth over the past year (48%) is below its 5-year average (68% per year).
Earnings vs Industry: 1NUH earnings growth over the past year (48%) exceeded the Banks industry 2.6%.
Return on Equity
High ROE: 1NUH's Return on Equity (25.3%) is considered high.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/06/17 13:13
End of Day Share Price
2026/06/17 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Nu Holdings Ltd. is covered by 27 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.