Nu Holdings Ltd. (NU) Earnings History
Annual and quarterly earnings data from 2018 to 2024
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NU EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
NU Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 45.9% | 25.2% | 17.8% |
| 2023 | 43.6% | 20.1% | 13.4% |
| 2022 | 34.7% | -6.8% | -8.1% |
| 2021 | 43.9% | -11.3% | -10.9% |
| 2020 | 33.1% | -33.6% | -29.8% |
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Nu Holdings Ltd. (NU) Earnings Overview
As of May 8, 2026, Nu Holdings Ltd. (NU) reported trailing twelve-month net income of $2.53B, reflecting +90.5% year-over-year growth. The company earned $0.52 per diluted share over the past four quarters, with a net profit margin of 17.8%.
Looking at the long-term picture, NU's historical earnings data spans multiple years. The company achieved its highest annual net income of $1.97B in fiscal 2024, representing a new all-time high.
Nu Holdings Ltd. maintains industry-leading profitability with a gross margin of 45.9%, operating margin of 25.2%, and net margin of 17.8%. 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 (2018–2024)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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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Start ComparisonNU — Frequently Asked Questions
Quick answers to the most common questions about buying NU stock.
Is NU growing earnings?
NU EPS is $0.52, with earnings growth accelerating to +90.5%. This exceeds the 5-year CAGR of N/A. TTM net income reached $2.5B.
What are NU's profit margins?
Nu Holdings Ltd. net margin is +17.8%, with operating margin at +25.2%. Above-average margins indicate pricing power.
How consistent are NU's earnings?
NU earnings data spans 2018-2024. The accelerating earnings trend is +90.5% YoY. Historical data enables comparison across business cycles.