Nu Holdings Ltd. (NU) Earnings History
Profitable8 years of earnings data (2018–2025) · Positive TTM net income
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Nu Holdings Ltd. (NU) Earnings Overview
As of June 21, 2026, Nu Holdings Ltd. (NU) reported trailing twelve-month net income of $3.18B, reflecting +45.0% year-over-year growth. The company earned $0.65 per diluted share over the past four quarters, with a net profit margin of 18.1%.
Looking at the long-term picture, NU's historical earnings data spans multiple years. The company achieved its highest annual net income of $2.87B in fiscal 2025, representing a new all-time high.
Nu Holdings Ltd. maintains industry-leading profitability with a gross margin of 44.8%, operating margin of 24.4%, and net margin of 18.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SOFI ($481M net income, 10.1% margin), AFRM ($382M net income, 1.6% margin), UPST ($49M net income, 5.0% margin), NU has outperformed on profitability metrics. Compare NU vs SOFI →
NU Earnings vs Peers
Earnings metrics vs comparable public companies
NU Historical Earnings Data (2018–2025)
8 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $2.87B | +45.5% | $3.87B | $0.58 | 18.1% | 24.4% |
| 2024 | $1.97B | +91.4% | $2.80B | $0.40 | 17.8% | 25.2% |
| 2023 | $1.03B | +382.7% | $1.54B | $0.21 | 13.4% | 20.1% |
| 2022 | -$365M | -121.0% | -$309M | $-0.08 | -8.1% | -6.8% |
| 2021 | -$165M | +3.8% | -$170M | $-0.04 | -10.9% | -11.3% |
| 2020 | -$171M | -85.3% | -$193M | $-0.04 | -29.8% | -33.6% |
| 2019 | -$93M | -223.7% | -$129M | $-0.02 | -19.7% | -27.6% |
| 2018 | -$29M | - | -$33M | $-0.01 | -11.3% | -13.2% |
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NU — Frequently Asked Questions
Quick answers to the most common questions about buying NU stock.
What is NU earnings per share (EPS)?
NU trailing twelve-month (TTM) diluted EPS is $0.65, reflecting +45.0% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2018 to 2025 is available in the table on this page.
What is Nu Holdings Ltd.'s net income?
Nu Holdings Ltd. (NU) trailing twelve-month net income is $3.2B as of 2025. Earnings grew +45.0% year-over-year. Nu Holdings Ltd. has been profitable for 3 consecutive years.
Is NU profitable?
Yes, NU is profitable with a TTM net income of $3.2B and a net profit margin of +18.1%. Nu Holdings Ltd. has generated profits for 3 consecutive years.
What is NU's earnings growth rate?
NU compound annual EPS growth rates (CAGR): 1-Year: +45.0%, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2018 to 2025.
What are NU's profit margins?
Nu Holdings Ltd. net profit margin is +18.1%, operating margin is +24.4%, and gross margin is +44.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +30.2%.
Is NU growing earnings?
Yes, NU earnings are accelerating — EPS growth of +45.0% exceeds the 5-year CAGR of N/A. TTM net income reached $3.2B. Earnings momentum is strengthening.
What was NU's best earnings year?
Nu Holdings Ltd.'s highest annual net income on record is $2.9B, achieved in fiscal year 2025. Earnings history on this page spans 2018 to 2025 and includes all annual and quarterly figures.
What were NU's earnings last quarter?
NU's most recent reported quarter was Q1 2026. Net income was $872M with diluted EPS of $0.18. For a full breakdown of all quarters, see the quarterly earnings table on this page.