Nu Holdings Ltd. (NU) operating KPIs

NUNYSEFinance ServicesFiscal year ends December 31

Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 8, 2026Score 7/30

$11.61−0.44 (-3.65%)

Close on Oct 30, 2026Market cap $56.37BP/E 19.9Yield –

KPIs

Operating metrics that drive Nu's business · fiscal year ends December 31

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Metric	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31	Q3 2023 2023-09-30

Total Customers (Nu Holdings Consolidated)(M)3	139	135	131	127	123	119	114	110	105	99.3	93.9	89.1
Brazil Customers(M)2	118	116	113	110	107	105	102	98.8	95.5	91.8	87.9	84
Individuals (PF — Retail Customers)(M)	111	109	107	105	102	99.7	97.1	94.3	91.3	87.8	84.3	80.6
Small & Medium Enterprises (PJ / SME Accounts)(M)	6.80	6.40	5.90	5.60	5.20	4.90	4.70	4.50	4.20	4	3.60	3.40
Mexico Customers (Nu México)(M)	15.8	15	14.1	13.1	12	11	10	8.90	7.80	6.60	5.20	4.30
Colombia Customers (Nu Colombia)(M)	5.30	4.70	4.20	3.80	3.40	2.90	2.50	2	1.30	0.90	0.80	0.80
Monthly Active Customers(M)3	116	113	109	106	102	98.7	94.9	91.7	87.2	82.6	78	73.8
Monthly Activity Rate (% of Total Customers)(%)	83.5%	83.4%	83.5%	83.0%	83.0%	83.0%	83.0%	84.0%	83.0%	83.0%	83.0%	83.0%
Credit Card Active Customers(M)	58.9	58.4	57.6	56.8	55	54.6	53	50.4	49.6	48.4	46.8	44.9
Unsecured Lending Active Customers(M)	15	15.1	14.4	14.2	13.6	12.4	11.1	9.80	8.70	8	7.10	7.30
Monthly Average Revenue per Active Customer (Monthly ARPAC)($)1	17.10	15.90	15	13.80	12.50	11.60	11.10	11.10	11.30	11.30	10.80	10.20
Monthly Average Cost to Serve per Active Customer($)	1	1	0.80	0.90	0.80	0.70	0.80	0.70	0.90	0.90	0.90	0.90
Total Purchase Volume (TPV, $M)($M)2	43,400	39,500	41,600	36,500	33,300	30,400	32,200	30,900	31,300	31,100	32,600	28,900
Credit Card Purchase Volume ($M)($M)	30,000	27,000	27,700	24,200	21,900	19,800	20,600	20,000	20,300	20,200	20,700	18,700
Debit & Prepaid Card Purchase Volume ($M)($M)	13,400	12,500	13,900	12,300	11,400	10,600	11,600	10,900	11,000	10,900	11,900	10,200

Total Interest-Earning Credit Portfolio (IEP)($M)3	23,252	22,009	18,485	17,712	15,686	13,836	11,213	11,210	9,849	9,711	8,222	6,923
Credit Card Interest-Earning Portfolio (Installments & Revolving IEP)($M)	9,815	9,105	7,570	7,350	6,630	5,988	5,097	5,518	5,217	5,232	4,508	3,832
Credit Card Non-Interest-Earning Portfolio (Transactors)($M)	16,146	15,197	14,181	12,678	11,595	10,281	9,522	9,669	9,098	9,862	9,980	8,484
Lending Interest-Earning Portfolio($M)	13,437	12,904	10,915	10,362	9,056	7,848	6,116	5,692	4,632	4,479	3,714	3,091
Credit Card Receivables — Gross Balance($M)3	25,961	24,302	21,751	20,028	18,225	16,269	14,619	15,187	14,315	15,094	14,488	12,316
Credit Card Receivables — Net of ECL($M)	21,439	20,136	18,223	16,723	15,091	13,506	12,230	12,660	12,002	12,774	12,392	10,465
Credit Card Receivables Recorded in Assets (Gross less Asset ECL)($M)	21,494	20,187	18,268	16,773	15,130	13,541	12,259	12,689	12,027	12,797	12,414	10,496
Credit Card Expected Credit Loss (ECL) Allowance — Total($M)2	-4,523	-4,166	-3,528	-3,305	-3,134	-2,763	-2,390	-2,526	-2,313	-2,320	-2,096	-1,851
ECL Deducted from Credit Card Receivables($M)	-4,467	-4,115	-3,483	-3,256	-3,095	-2,728	-2,360	-2,498	-2,288	-2,297	-2,074	-1,821
ECL Recognized in Liabilities (Undrawn Credit Limits)($M)	-55.8	-51	-44.7	-49.1	-38.7	-34.9	-29.5	-28.8	-25.2	-22.4	-22.1	-30.4
Loans to Customers — Gross Balance($M)5	13,437	12,904	10,916	10,362	9,056	7,848	6,116	5,692	4,632	4,479	3,714	3,091
Loans to Individuals (Retail PF)($M)	12,463	11,962	10,150	9,724	8,577	7,497	5,864	5,692	4,632	4,479	3,691	3,091
Loans to Companies (SME PJ)($M)	974	943	766	638	479	351	252				22.3
Secured Loans — Gross Balance (FGTS, Public Payroll & Investment-Backed)($M)	3,138	3,019	2,735	2,658	2,293	1,936	1,388				251
Loans to Customers — Net of ECL($M)	11,317	10,969	9,422	8,982	7,870	6,813	5,322	4,939	4,008	3,864	3,202	2,690
Loans to Customers — Expected Credit Loss (ECL) Allowance($M)	-2,120	-1,936	-1,494	-1,380	-1,186	-1,035	-795	-753	-624	-615	-512	-401
Other Credit-Related Receivables — Gross Balance($M)2	876	838	1,003	990	931	890	1,415	973	956	1,408	1,692	1,603
Total Credit Exposure Including Undrawn Off-Balance-Sheet Limits (FXN)($M)6	77,562	73,266	67,667	61,484	55,430	50,160
Credit Cards Share of Total Exposure (%)(%)	83.0%	83.0%	82.0%	83.0%	83.0%	83.0%
Unsecured Loans Share of Total Exposure (%)(%)	13.0%	13.0%	14.0%	13.0%	13.0%	13.0%
Secured Loans Share of Total Exposure (%)(%)	4.0%	4.0%	4.0%	4.0%	4.0%	4.0%
On-Balance-Sheet Credit Portfolio Mix — Credit Cards (%)(%)	66.0%	65.0%	67.0%	66.0%	67.0%	68.0%
On-Balance-Sheet Credit Portfolio Mix — Unsecured Lending (%)(%)	26.0%	27.0%	25.0%	25.0%	25.0%	24.0%
On-Balance-Sheet Credit Portfolio Mix — Secured Lending (%)(%)	8.0%	8.0%	8.0%	9.0%	8.0%	8.0%

90+ Days Non-Performing Loans (NPL 90+ Ratio, Consolidated)(%)3	6.9%	6.5%	6.6%	6.7%	6.5%	6.4%	6.7%	7.0%	6.8%	6.1%	6.0%	5.9%
15–90 Days Early Delinquency Ratio (NPL 15–90, Consolidated)(%)	4.8%	5.0%	4.1%	4.3%	4.5%	4.8%	4.2%	4.5%	4.7%	5.1%	4.2%	4.4%
Total ECL Allowance Coverage over 90+ NPL Balance (%)(%)	244.0%	252.0%	233.0%	230.0%	229.0%	244.0%	246.0%	246.0%	239.0%	224.0%	228.0%
Credit Loss Allowance Expense over NPL 15+ Formation (%)(%)	113.0%	117.0%	119.0%	123.0%	116.0%	115.0%	109.0%	104.0%	120.0%	114.0%	102.0%
Quarterly Credit Write-offs — Total($M)3	-1,249	-1,082	-919	-819	-803	-711	-619	-571	-515	-485	-429	-357
Credit Card Write-offs($M)	-645	-624	-502	-442	-456	-452	-401	-355	-303	-315	-308	-242
Lending Write-offs($M)	-604	-458	-417	-376	-348	-260	-218	-216	-211	-170	-121	-116
Quarterly Recoveries of Written-off Credits — Total($M)2	309	156	155	137	103	101	95	77	75.2	52.8	110	50.5
Credit Card Recoveries($M)	153	95.5	97.8	87.9	64.1	63.2	60.1	44.4	48.3	39.6	87.6	39
Lending Recoveries($M)	156	60.7	57	49.5	38.9	37.8	34.9	32.7	26.9	13.2	22.7	11.5
Credit Card Receivables — Total Overdue Installments (Note 13a)($M)7	3,232	2,814	2,375	2,364	2,084	1,904	1,643	1,795	1,682	1,623	1,411	1,314
Credit Card IFRS 9 Staging & ECL Coverage Ratio (Note 13b)(%)3	17.4%	17.1%	16.2%	16.5%	17.2%	17.0%	16.3%	16.6%	16.2%	15.4%	14.5%	15.0%
Credit Card Credit Quality by PD Risk Band — Strong (PD < 5%, $M)($M)8	11,331	10,678	10,013	9,203	7,725	6,914	6,645		6,547	7,066	7,103	7,648
Loans to Customers — Total Overdue Installments (Note 14a)($M)7	666	604	474	430	358
Loans to Customers IFRS 9 Staging & ECL Coverage Ratio (Note 14b)(%)3	15.8%	15.0%	13.7%	13.3%	13.1%	13.2%	13.0%	13.2%	13.5%	13.7%	13.8%	13.0%
Loans Credit Quality by PD Risk Band — Strong (PD < 5%, $M)($M)8	4,124	3,883	3,402	3,325	3,044	2,545			1,622	1,623	1,437	1,323

Total Deposits (Consolidated)($M)9	45,328	42,448	41,925	38,776	36,640	31,564	28,855	28,319	25,229	24,255	23,691	19,117
Brazil Deposits ($M)($M)	36,400	33,700	33,100	30,400	27,800	24,400	23,100	23,500	21,700
Mexico Deposits ($M)($M)	5,700	5,900	6,300	6,100	6,700	5,400	4,500	3,900	3,300
Colombia Deposits ($M)($M)	3,300	2,800	2,500	2,300	2,100	1,800	1,300	900
Cost of Deposits (% of Blended Interbank Rates: CDI / TIIE / IBR)(%)	88.0%	88.0%	87.0%	89.0%	91.0%	90.0%	89.0%	89.0%	87.0%
Bank Receipts of Deposit (RDB — Recibos de Depósito Bancário)($M)	35,377	32,844	32,005	28,569	26,083	22,789	21,512	22,053	20,307		21,054
Deposits from Customers (NuAccount / Cajitas)($M)	9,178	8,954	9,452	9,684
Bank Deposit Certificates (CDB)($M)	747	624	468	523	496	552	546	457	403		248
Deposits Maturing up to 12 Months($M)	44,734	3,952	41,605	38,523	36,409	31,342	28,662	23,502	23,502
Deposits Maturing over 12 Months($M)	595	2,545	320	253	231	223	193	189	189
Net Credit Portfolio to Available Funding Ratio (Adjusted LDR %)(%)5	57.1%	58.3%	49.1%	51.6%	47.8%	48.5%	43.5%	48.1%	44.1%	46.9%	41.1%	45.8%
Available Funding (Deposits + Financial Bills less Compulsory Deposits)($M)	41,787	39,081	38,768	35,644	33,712	28,853	26,200	25,593	22,762	21,345	20,564	16,534
Net Credit Portfolio (Net of Payables to Network)($M)	23,857	22,797	19,033	18,391	16,120	14,003	11,402	12,323	10,050	10,000	8,447	7,572
Retail & Institutional Financial Bills (Letras Financeiras)($M)	2,814	2,636	2,530	2,050	1,730	1,355	1,179	1,202	954	485	216	195
Compulsory Deposits at Central Banks (Deduction from Funding)($M)	-6,356	-6,004	-5,687	-5,183	-4,658	-4,067	-3,834	-3,929	-3,421	-3,395	-3,343	-2,778
Payables to Credit Card Network (Note 23)($M)4	15,445	14,339	13,634	11,915	11,052	10,033	9,334	8,465	8,840	9,516	9,755	7,734
Payables to Clearing Houses($M)	96.8	70.3	0.10	84.2	108	82.2		91.4	57.4	56.4		101
Payables to Network — Due up to 30 Days($M)	6,802	6,122	5,336	4,661	4,361	4,664	4,326	4,263	4,852	5,313	5,348	4,206
Payables to Network — Due 30 to 90 Days($M)	4,314	4,102	4,273	3,698	3,410	2,616	2,451	2,214	2,197	2,218	2,362	1,885
Payables to Network — Due over 90 Days($M)	4,329	4,115	4,025	3,556	3,282	2,752			1,791	1,985	2,046	1,643
Total Interest-Earning Assets (IEA — End of Period)($M)10	66,234	62,370	60,615	55,621	51,035	43,736	40,174	38,802	35,604	33,842	32,714	26,534
Average Interest-Earning Assets (Quarterly Average IEA)($M)	64,302	61,493	58,118	53,328	47,386	41,955	39,488	37,203	34,723	33,278	29,624	25,495
Cash & Cash Equivalents (IEA Component)($M)	13,552	13,920	15,004	12,896	13,269	10,284	9,186	7,646	8,530	6,034	5,923	3,214
Securities at Fair Value Through OCI (FVOCI)($M)	14,047	11,367	12,157	11,615	10,831	9,902	9,914	11,019	8,156	8,802	8,806	8,606
Securities at Fair Value Through Profit or Loss (FVPL)($M)	1,358	1,160	1,060	1,205	398	336	665	119	813	625	369	103
Securities at Amortized Cost($M)	3,777	3,370	3,142	2,520	1,408	881	885	660	481	69.5	104	49.7
Compulsory & Other Central Bank Deposits (IEA Component)($M)	9,149	9,196	9,538	8,166	8,210	7,376	6,743	6,800	6,666	7,006	7,448	5,849
Other Financial Assets at Amortized Cost($M)	135	132	149	232	160	107	78.2	181	126	168	132	172
Other Receivables (IEA Component)($M)	850	829	1,001	988	930	888	1,413	971	954	1,406	1,689	1,601
Derivative Financial Instruments (Assets)($M)	115	386	80.8	288	144	127	75.5	195	27.5	21.1	21	15.5
Collateral Held / Pledged Assets($M)	0	0	0	0	0.30	0.30	0.30	0.30	0.30	0.30	0.30	0.30
Total Borrowings and Financing (Note 24)($M)4	4,682	4,504	4,398	3,091	2,276	1,707	1,730	1,499	1,736	1,403	1,136	1,086

Managerial Total Revenue($M)3	5,876	5,316	4,857	4,317	3,772	3,373	3,101	2,970	2,878	2,723	2,455	2,171
Credit Income (Credit Card & Loan Interest)($M)	3,605	3,173	2,778	2,489	2,240	1,976	1,784	1,740	1,737	1,609	1,389	1,144
Float Income (Liquidity, Securities & Network Float)($M)	1,454	1,383	1,409	1,225	991	880	806	761	690	656	610	617
Fee Revenue (Interchange, Late Fees, Insurance & Marketplace)($M)	816	759	670	603	542	517	511	468	451	459	457	410
Managerial Total Direct Costs($M)4	-3,435	-3,438	-2,896	-2,506	-2,253	-2,045	-1,784	-1,668	-1,585	-1,609	-1,372	-1,303
Funding Cost (Interest on Deposits & Debt)($M)	-1,372	-1,305	-1,350	-1,237	-1,007	-841	-762	-713	-648	-600	-530	-511
Cost of Credit (Credit Loss Allowance Expense)($M)	-1,691	-1,794	-1,313	-1,036	-1,051	-1,042	-850	-802	-784	-863	-701	-665
Transaction Costs (Network, Processing & Rewards)($M)	-131	-121	-99	-108	-83.2	-63.1	-79.9	-64.4	-64.5	-63.5	-64.5	-64
Revenue-Based Taxes (PIS, COFINS & ISS)($M)	-241	-218	-134	-125	-111	-99.2	-92	-88.2	-88	-82.9	-75.7	-63.8
Managerial Gross Profit($M)7	2,441	1,878	1,961	1,811	1,519	1,328	1,317	1,302	1,293	1,114	1,084	869
Gross Profit Mix — Credit (%)(%)	34.0%	29.0%	33.0%	36.0%	38.0%	42.0%
Gross Profit Mix — Float (%)(%)	34.0%	41.0%	41.0%	34.0%	32.0%	31.0%
Gross Profit Mix — Fees (%)(%)	33.0%	30.0%	25.0%	30.0%	30.0%	27.0%
Managerial Net Interest Income (NII)($M)	3,687	3,251	2,837	2,477	2,223	2,015	1,828	1,788	1,778	1,665	1,468	1,251
Risk-Adjusted Net Interest Income (NII less Cost of Credit)($M)	1,996	1,457	1,524	1,442	1,172	973	978	986	994	801	767	586
Net Interest Margin (Annualized NIM %)(%)	22.9%	19.5%	18.6%	18.8%	21.1%	19.2%
Risk-Adjusted Net Interest Margin (Risk-Adjusted NIM %)(%)	12.4%	9.5%	10.5%	10.8%	9.9%	9.3%	9.9%	10.6%	11.4%	9.6%	10.4%	9.2%
Managerial Operating Expenses($M)5	-806	-648	-653	-577	-548	-459	-469	-520	-540	-523	-488	-437
Operating Efficiency Ratio (% of Net Revenue)(%)	19.5%	17.6%	19.9%	20.3%	21.3%	19.4%	21.7%	24.7%	26.0%	26.4%	27.4%	28.5%
Customer Support & Operations Expense (Managerial)($M)	-226	-205	-164	-175	-161	-152	-156	-135	-163	-151	-140	-127
General & Administrative Expense (Managerial)($M)	-464	-372	-365	-339	-319	-284	-299	-273	-327	-326	-285	-264
Marketing Expense (Managerial)($M)	-104	-62.9	-94.2	-56.8	-52.3	-40.3	-24.8	-84.6	-39.2	-46.8	-48.3	-38.9
Other Income / Expenses (Managerial)($M)	-12.8	-8.10	-29.5	-6.20	-15.7	16.3	10.3	-27.4	-11.5	0.80	-15.4	-6.30
Net Income (IFRS & Managerial)($M)6	1,061	871	895	783	637	557	553	553	487	379	361	303
Annualized Return on Equity (ROE %)(%)	33.0%	29.0%	33.0%	31.0%	28.0%	27.0%	29.0%	30.0%
Income Before Income Taxes (EBT)($M)	1,630	1,229	1,308	1,233	970	867	848	781	753	591	596	432
Income Tax & Social Contribution($M)	-569	-358	-413	-450	-333	-310	-295	-228	-266	-212	-235	-129
Share of Profit / Loss of Associate($M)	-4.70	-1	-0.40	-1.20	-1	-1.10	0	0	0	0	0	0
Adjusted Net Income (Legacy Non-IFRS Metric through 1Q26)($M)		937	943	829	695	607	610	592	563	443	396	356
Annualized Adjusted Return on Equity (Legacy Adjusted ROE % through 1Q26)(%)		31.0%	35.0%	33.0%	31.0%	30.0%	32.0%	33.0%

Consolidated Total Revenue by Geography (Note 34)($M)3	4,381	3,952	3,523	3,162	2,854	2,545	2,298	2,296	2,258	2,199	1,915	1,649
Brazil Revenue (Interest + Fees)($M)	3,990	3,587	3,193	2,884	2,622	2,340	2,106	2,124	2,105	2,074	1,797	1,536
Mexico Revenue (Interest + Fees)($M)	315	289	265	220	176	147	157	142	125	99.3	94.2	90.9
Other Countries Revenue (Colombia & Other)($M)	76	76.8	64.7	58	56.2	58.4	34.8	30.2	27.9	25.2
Non-Current Assets by Geography (Note 34)($M)3	1,262	1,185	1,061	1,031	971	893	725	852	760	771	763	737
Brazil Non-Current Assets($M)	1,018	943	853	809	768	708	584	706	657	661	656	631
Mexico Non-Current Assets($M)	66.3	65.1	60.3	51.4	48.9	43.7	42.9	44.1	46.9	50.3	47.9	47.8
Other Countries Non-Current Assets($M)	177	177	148	170	154	141	98.5
IFRS Interest Income & Gains on Financial Instruments (Note 6a)($M)6	4,761	4,275	3,996	3,578	3,129	2,732	2,494	2,474	2,383	2,280	1,951	1,733
Interest Income — Credit Card Receivables($M)	1,806	1,556	1,335	1,219	1,092	952	867	967	985	984	801	680
Interest Income — Loans to Customers($M)	1,734	1,603	1,397	1,252	1,128	1,007	866	787	730	656	557	453
Interest & Gains on Financial Instruments at Fair Value($M)	364	339	415	392	296	257	329	319	351	290	199	257
Interest Income — Other Assets at Amortized Cost($M)	765	650	761	610	499	415	413	324	282	260	269	237
Interest Income — Other Receivables($M)	88.3	101	102	95.1	94.2	70.8	69.5	73.1	77.7	104	104	112
Other Fair Value Gains / Losses($M)	3.40	26	-12.9	8.70	20.1	30.9	-49.9	4.10	-42.5	-12.9	22.6	-5.90
IFRS Fee and Commission Income (Note 6b)($M)4	753	693	690	595	540	516	496	469	465	456	454	404
Interchange & Card Fee Income($M)	535	486	519	436	393	372	359	337	344	340	342	303
Other Fee & Commission Income (Marketplace, Crypto, Payments)($M)	70.5	72	52.2	48.3	48.5	50.3	49.4	48.2	44.1	47.2	56.8	54.7
Late Payment & Collection Fees($M)	137	125	108	102	90.2	84.6	79.1	76.2	70.5	61.7	54.6	46.9
Insurance Brokerage Commissions($M)	10.4	10	9.60	9.20	8.50	8.30	8.10	7.60	6.40	7	0	0
IFRS Interest and Other Financial Expenses (Note 8a)($M)4	-1,557	-1,269	-1,377	-1,276	-1,030	-896	-748	-761	-665	-661	-606	-538
IFRS Operating Expenses by Nature — G&A, Support, Marketing & Other (Note 9)($M)10	-600	-492	-440	-349	-341	-290	-319	-285	-327	-326	-285	-264

Brazil Prudential Conglomerate — Capital Adequacy Ratio (CAR %, Note 33a)(%)4	15.7%	15.1%	16.6%	14.6%	15.9%	16.9%	18.1%	15.8%	15.8%	13.9%	13.7%	11.0%
Common Equity Tier 1 (CET1) Ratio — Brazil (%)(%)	11.9%	11.3%	13.0%	11.9%	12.9%	13.8%	14.7%	13.0%	12.6%	11.8%	11.4%	9.1%
Tier 1 Capital Ratio — Brazil (%)(%)	13.4%	12.8%	14.4%	13.0%	14.2%	15.1%	16.2%	14.5%	14.4%	12.7%	12.4%	9.9%
Total Regulatory Capital (Patrimônio de Referência) — Brazil ($M)($M)3	5,598	5,056	5,159	4,320	4,169	4,001	3,630	3,346	2,963	2,786	2,629	2,127
Tier 1 Capital — Brazil ($M)($M)	4,786	4,276	4,473	3,862	3,722	3,591	3,250	3,082	2,690	2,552	2,396	1,910
Common Equity Tier 1 (CET1) — Brazil ($M)($M)	4,263	3,775	4,045	3,520	3,375	3,274	2,941	2,754	2,367	2,364	2,197	1,765
Tier 2 Capital — Brazil ($M)($M)	812	780	687	459	447	410	380	264	273	234	233	217
Total Risk-Weighted Assets (RWA) — Brazil ($M)($M)6	35,710	33,486	31,142	29,615	26,219	23,737	20,072	21,204	18,735	20,064	19,262	19,294
Credit Risk-Weighted Assets (RWA_CPAD, $M)($M)	27,840	25,731	22,364	20,899	18,793	16,685	14,772	15,014	13,547	14,250	13,774	11,847
Operational Risk-Weighted Assets (RWA_OPAD, $M)($M)	4,780	4,762	5,941	6,135	5,823	5,547	4,506	5,105	4,019	4,484	4,036	6,141
Payment Services Risk-Weighted Assets (RWA_SP, $M)($M)	1,821	1,768	1,640	1,610	1,500	1,329	748	953	1,068	1,253	1,306	1,183
Market Risk-Weighted Assets (RWA_MPAD, $M)($M)	1,269	1,226	1,196	971	103	176	46.1	133	101	76.8	145	123
Minimum Required Regulatory Capital — Brazil ($M)($M)	3,750	3,516	3,270	3,110	2,753	2,492	1,756	1,855	1,639	1,756	1,300	1,302
Excess Capital Margin over Minimum Required — Brazil ($M)($M)	1,848	1,520	1,890	1,211	1,416	1,509	1,874	1,491	1,324	1,030	1,329	825
Nubank Mexico (Nu México Financiera, S.F.P.) — Capital Adequacy Ratio (NICAP / CAR %, Note 33b)(%)1	14.9%	16.4%	15.4%	18.8%	15.4%	18.3%	19.2%	18.3%	22.3%	24.1%
Nubank Mexico — Regulatory Capital ($M)($M)	428	440	402	441	335	312	289	264	366	452
Nu Colombia (Nu Colombia Compañía de Financiamiento S.A.) — Capital Adequacy Ratio (CAR %, Note 33c)(%)1	15.3%	17.9%	16.9%	20.9%	25.4%	33.9%	22.6%	303.0%	71.9%	243.7%
Nu Colombia — Regulatory Capital ($M)($M)	180	160	132	137	153	175	185	45.6	13	7

BCB Credit Information System (SCR) — Active Credit Borrowers in Brazil(M)2	65.8	65.1	63.8	62.2	60.1	58.3	56	47.5	46.4	44.9	42.1	39.2
BCB SCR — Active Credit Contracts / Operations (millions)(M)	299	296	277	272	252	238	217	186	177	166	144	139
BCB SCR — Total Brazilian Credit Portfolio (R$M)7	193,023	193,744	179,417	161,914	148,720	135,435	122,555	109,857	101,845	94,292	85,188	74,082
Individuals (PF) SCR Credit Portfolio (R$M)6	182,584	183,417	170,386	154,209	142,224	130,127	55,140	106,678	99,781	92,809	84,346	73,504
PF — Credit Card Portfolio (Cartão de Crédito, R$M)	115,849	115,962	109,893	98,641	92,191	85,197	55,138	74,824	72,636	69,267	65,073	56,625
PF — Non-Payroll Personal Loans (Crédito Pessoal sem Consignação, R$M)	60,277	61,784	55,766	51,463	46,662	42,102		30,076	25,727	22,447	18,590	16,543
PF — Payroll-Deductible Loans (Crédito Pessoal Consignado, R$M)	5,867	4,994	4,098	3,572	2,902	2,434		1,484	1,182	917	539	236
PF — Other Retail Credit Modalities (R$M)	591	677	628	533	469	394	2	293	236	178	143	101
PF Credit Card — Past Due > 15 Days (Vencido a partir de 15 dias, R$M)	11,937	15,774	14,292	13,441	12,475	10,184		7,307	6,894	6,248	5,322	4,693
PF Personal Loans — Past Due > 15 Days (R$M)	5,059	7,604	6,791	6,074	5,354	3,915		2,353	2,067	1,754	1,467	1,323
Corporate / SME (PJ) SCR Credit Portfolio (R$M)5	10,439	10,327	9,031	7,704	6,495	5,309	4,021	3,179	2,064	1,483	843	578
PJ — Working Capital Loans (Capital de Giro, R$M)	5,037	5,151	4,395	3,540	2,745	2,103	1,557	1,243	633	464	133	45
PJ — Corporate Credit Cards & Other (R$M)	5,356	5,138	4,607	4,144	3,750	3,206	2,464	1,935	1,432	1,020	710	533
PJ by Size — Micro-Enterprises (Microempresa, R$M)	9,798	9,690	8,467	554	485	409	325	254	8	7	5	20
PJ by Size — Small Enterprises (Pequeno Porte, R$M)	612	608	542	5,776	4,833	3,885	2,925	2,253	204	167	81	68
PJ by Size — Medium Enterprises (Médio Porte, R$M)	10	10	6	1,354	1,159	998	757	659	1,126	798	115	81
Regional Credit Portfolio — Southeast (Sudeste, R$M)	83,896	84,726	78,762	71,269	65,846	60,298	54,618	49,021	45,518	42,219	38,310	33,310
Regional Credit Portfolio — Northeast (Nordeste, R$M)	46,458	46,267	42,688	38,139	34,646	31,069	28,054	25,178	23,449	21,517	19,419	16,702
Regional Credit Portfolio — South (Sul, R$M)	28,107	28,289	26,297	23,817	22,044	20,254	18,427	16,483	15,252	14,396	13,081	11,454
Regional Credit Portfolio — Central-West (Centro-Oeste, R$M)	18,888	18,973	17,440	15,797	14,544	13,267	11,937	10,702	9,870	9,070	8,041	6,976
Regional Credit Portfolio — North (Norte, R$M)	14,275	14,053	12,817	11,457	10,312	9,231	8,242	7,345	6,649	5,948	5,148	4,344
Conglomerado Prudencial NU PAGAMENTOS (1000084693) — Total Assets (R$M, BCB COSIF)11	363,325	341,125	345,307	296,886	269,663	244,398	248,337	219,221	214,501	194,043	190,037	160,514
Standalone Brazilian Subsidiaries (BCB IF.data Individual Filings, R$M)5	122,363	114,850	115,274	103,308	98,962	93,781	94,467	83,426	92,265	90,725	103,911	83,364

BRL / USD Exchange Rate — End of Period(×)1	5.16	5.18	5.50	5.32	5.43	5.71	6.17	5.45	5.59	5.01	4.86	5.03
BRL / USD Exchange Rate — Quarterly Average(×)	5.05	5.26	5.40	5.45	5.66	5.85	5.84	5.55	5.22	4.95	4.96	4.89

Total Headcount (Quarterly, thousands)(M)	10.4	10.5	10	9.60	9.30	8.90	8.70	8.60	8.30	8	7.70	7.60

Italic numbers are calculated by StockData from reported figures (hover for the formula). Numbers with a dotted underline are read from the text of earnings releases and presentations; hover to see the exact sentence. Tick a row to add it to the chart above (up to 8 lines).

Methodology and excluded metrics

Nu Holdings Ltd. (NYSE: NU, CIK 0001691493) reports on a calendar fiscal year ending December 31; the latest reported quarter is Q2 2026 (ended June 30, 2026), with monthly Banco Central do Brasil (BCB) PIX key and SGS monetary/credit series running through September–October 2026.
Core operating and managerial metrics (customers by country and segment, active customers, activity rate, monthly ARPAC, monthly cost to serve, TPV, interest-earning credit portfolio IEP, 15–90 and 90+ NPL ratios, deposits, available funding, IEA, and KPMG-assured Managerial P&L reconciliation) come from Historical_Data_2Q26.xlsx (1Q21–2Q26), 19 quarterly Earnings Releases (4Q21–2Q26), and Earnings Presentations.
Granular IFRS credit risk and balance sheet disclosures (Credit Card and Loan maturity aging, IFRS 9 Stage 1/2/3 gross exposures, ECL allowances and coverage ratios, PD credit quality bands, secured loan balances, deposits by instrument, payables to network, borrowings, provisions/contingencies, deferred rewards revenue, and geographic revenue) come from Form 20-F (FY2021–FY2025) and 19 quarterly Form 6-K Financial Statements (4Q21–2Q26).
Multi-jurisdiction regulatory capital disclosures cover the Brazil Prudential Conglomerate (Note 33a), Nubank Mexico (Nu México Financiera, S.F.P., Note 33b), and Nu Colombia (Nu Colombia Compañía de Financiamiento S.A., Note 33c).
Official Brazilian Central Bank (Banco Central do Brasil — BCB) supervisory disclosures include monthly registered PIX keys at Nu Pagamentos S.A. (ISPB 18236120), BCB SCR active borrowers and regional/modality credit portfolio, and quarterly COSIF balance sheets and P&L for both the Prudential Conglomerate (1000084693) and standalone Brazilian operating subsidiaries (Nu Pagamentos S.A., Nu Financeira S.A., and Nu Investimentos S.A., in R$M).
Nu Holdings Ltd. (Cayman Islands) is a non-operating holding company and does not file standalone parent financial statements, while Brazilian subsidiaries report to BCB under COSIF in BRL rather than IFRS in USD; therefore no consolidated − standalone parent subtraction is performed.
All figures are as published by Nu Holdings, KPMG, or Banco Central do Brasil. The only arithmetic performed is splitting cumulative YTD flows into individual quarters (Q2/Q3/Q4 = YTD − prior YTD; Q4 = FY − 9M), displayed in italics with the derivation formula.

Data updated 2026-10-29.

Every KPI on its own page

Full history, chart, sources and a citation for each metric

Nu Holdings Ltd. (NU) operating KPIs

KPIs

Every KPI on its own page

Customer Base, Activity & Cohort Monetization (Core Key)

Credit Portfolio, Interest-Earning Balances (IEP) & Total Exposure

Asset Quality, Delinquency, IFRS 9 Staging & PD Risk Bands

Deposits, Funding Franchise, Interest-Earning Assets & Liquidity

Managerial P&L, Yields, Margins (NIM) & Operating Efficiency

IFRS Revenue, Expense & Geographic Disaggregation (Form 6-K / 20-F)

Regulatory Capital Adequacy (Brazil Prudential, Nu México & Nu Colombia)

Banco Central do Brasil (BCB) — Monthly PIX Keys & Standalone Brazilian Subsidiaries

Macroeconomic & Brazilian Banking System (SFN) Benchmarks

Human Capital, Workforce & ESG Sustainability (Form 20-F & ESG Reports)

Financial Statements & Segments (PostgreSQL DB)