Nu (NU)
Runs a branchless financial platform across Brazil, Mexico, and Colombia.
$14.16
After hours−0.01 (−0.07%)
At close$14.17(+0.78%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,137 | 2,298 | 2,639 | 2,750 | 2,857 | 2,858 | 3,247 | 3,683 | 4,173 | 4,704 | 4,982 | 5,520 |
| Cost of revenue | 1,222 | 1,198 | 1,491 | 1,425 | 1,535 | 1,552 | 1,869 | 2,042 | 2,227 | 2,618 | 2,982 | 3,021 |
| Gross profit | 915 | 1,100 | 1,147 | 1,325 | 1,322 | 1,306 | 1,378 | 1,641 | 1,947 | 2,085 | 2,001 | 2,499 |
| 503 | 540 | 569 | 600 | 599 | 538 | 582 | 761 | 829 | 1,007 | 1,045 | 1,258 | |
| 438 | 333 | 363 | 367 | 376 | 333 | 123 | 133 | 148 | 198 | 194 | 206 | |
| Selling & marketing | 46 | 71 | 47 | 48 | 100 | 22 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 392 | 261 | 316 | 320 | 276 | 311 | 123 | 133 | 148 | 198 | 194 | 206 |
| Other expenses | 65 | 207 | 206 | 232 | 223 | 205 | 458 | 627 | 681 | 810 | 852 | 1,052 |
| Operating income | 412 | 560 | 579 | 725 | 724 | 767 | 795 | 879 | 1,116 | 1,078 | 954 | 1,236 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 1 | 5 | |
| Interest income | 1,733 | 1,951 | 2,280 | 2,383 | 2,474 | 2,494 | 2,732 | 3,129 | 3,577 | 2,590 | 3,909 | 4,394 |
| Interest expense | 538 | 606 | 661 | 665 | 761 | 748 | 896 | 1,030 | 1,276 | 1,377 | 1,269 | 1,557 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −4 | −1 | −5 |
| Income before tax | 412 | 560 | 579 | 725 | 724 | 767 | 795 | 879 | 1,116 | 1,081 | 955 | 1,241 |
| Income tax expense | 109 | 199 | 200 | 238 | 170 | 215 | 238 | 242 | 334 | 183 | 83 | 175 |
| Net income from continuing operations | 303 | 361 | 379 | 487 | 553 | 553 | 557 | 637 | 783 | 898 | 872 | 1,066 |
| Other adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −4 | −1 | −5 |
| Net income | 303 | 361 | 379 | 487 | 553 | 553 | 557 | 637 | 782 | 892 | 872 | 1,060 |
| EPS, basic | $0.06 | $0.08 | $0.08 | $0.10 | $0.12 | $0.11 | $0.12 | $0.13 | $0.16 | $0.18 | $0.18 | $0.22 |
| EPS, diluted | $0.06 | $0.07 | $0.08 | $0.10 | $0.11 | $0.11 | $0.11 | $0.13 | $0.16 | $0.18 | $0.18 | $0.22 |
| Weighted average shares, basic | 4,752 | 4,746 | 4,773 | 4,788 | 4,798 | 4,807 | 4,816 | 4,826 | 4,839 | 4,833 | 4,856 | 4,857 |
| Weighted average shares, diluted | 4,857 | 4,857 | 4,886 | 4,881 | 4,889 | 4,807 | 4,893 | 4,900 | 4,905 | 4,907 | 4,910 | 4,905 |
| EBITDA | 431 | 576 | 597 | 744 | 743 | 789 | 816 | 902 | 1,142 | 1,109 | 990 | 1,241 |
| Depreciation & amortization | 19 | 17 | 18 | 18 | 19 | 21 | 21 | 23 | 26 | 28 | 34 | 0 |
| EBIT | 412 | 560 | 579 | 725 | 724 | 767 | 795 | 879 | 1,116 | 1,081 | 955 | 1,241 |