Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

Nu Holdings Ltd.

Cash and Cash Equivalents

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Cash and Cash Equivalents Common Size

Financial Assets at Fair Value Through Profit or Loss

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Financial Assets at Fair Value Through Profit or Loss Common Size

Securities

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Other Assets

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Financial Assets at Amortized Cost

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Derivative Financial Instruments

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Collateral for Credit Card Operations

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Financial Assets at Fair Value Through Other Comprehensive Income

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Credit Card Receivables

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Loans to Customers

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Loans to Customers Common Size

Interbank Transactions

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Interbank Transactions Common Size

Other Credit Operations

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Other Credit Operations Common Size

Compulsory and Other Deposits at Central Banks

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Compulsory and Other Deposits at Central Banks Common Size

Other Receivables

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Other Financial Assets

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Total Other Financial Assets

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Deferred Tax Assets

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Investments in Associates

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Right-of-Use Assets

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Property, Plant and Equipment

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Intangible Assets

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Goodwill

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Total Assets

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Financial Liabilities at Fair Value Through Profit or Loss

Financial Liabilities at Fair Value Through Profit or Loss %Chg

Financial Liabilities at Fair Value Through Profit or Loss Common Size

Instruments Eligible as Capital

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Financial Liabilities at Amortized Cost

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Deposits

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Payables to Network

Securities and Investments

Securities and Investments %Chg

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Trading Assets

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Other Earning Assets

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Net Loans

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Net Property, Plant & Equipment

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Net Intangible Assets

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Long-Term Investments

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Other Non-Earning Assets

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Revenue

EBIT

EBITDA

CapEx

Net Interest Income

Assets

Adjusted EBITDA

Gross Profit

Adjusted Net Income

Net Revenue

Net Income

Average Assets

Adjusted EBIT

Adjusted Revenue

Adjusted EBT

Adjusted Funds From Operations

Liabilities	Jun '25	Dec '24
Total Deposits	36,640.2	28,855.1
Deposits
Short-Term Interbank Borrowing and Repurchase Agreements	1,064.5	308.6
Repurchase Agreements
Short-Term Borrowings	2,275.6	1,730.4
Borrowings and Financing
Securitized Borrowings
Trading Liabilities	124.5	32.3
Derivative Financial Instruments
Instruments Eligible as Capital
Accounts Payable	11,160.2	9,333.5
Payables to Network
Accrued Expenses	1,087.1	1,380.1
Salaries, Allowances and Social Security Contributions
Tax Liabilities
Lease Liabilities
Deferred Income
Other Liabilities	801.9	644.2
Provision for Lawsuits and Administrative Proceedings
Deferred Tax Liabilities
Other Liabilities
Senior Preferred Shares
Total Liabilities	53,154	42,284.1
Total Liabilities

Equity	Jun '25	Dec '24
Common Stock	0.1	0.1
Share Capital
Additional Paid-in Capital	5,055.5	5,053.8
Share Premium Reserve
Accumulated Other Comprehensive Income	4,519.2	2,592.4
Other Comprehensive Income
Accumulated Gains
Accumulated Gains (Losses)
Retained Earnings	—	—
Equity Attributable to Shareholders of the Parent Company
Share Capital
Share Premium Reserve
Other Comprehensive Income
Accumulated Gains
Accumulated Gains (Losses)
Total Common Shareholders' Equity	9,574.8	7,646.3
Minority Interests and Other	1.3	0.8
Equity Attributable to Non-Controlling Interests
Total Shareholders' Equity	9,576.1	7,647.1
Total Equity
Total Liabilities and Shareholders' Equity	62,730.1	49,931.2
Total Liabilities and Equity

Assets	Jun '25	Dec '24
Cash and Cash Equivalents	13,269	9,185.7
Cash and Cash Equivalents
Securities and Investments	12,635.7	11,464.2
Securities
Securities
Securities
Securities
Securities
Securities
Trading Assets	143.9	75.8
Derivative Financial Instruments
Collateral for Credit Card Operations
Other Earning Assets	9,139.8	8,156.8
Compulsory and Other Deposits at Central Banks
Interbank Transactions
Other Credit Operations
Other Receivables
Other Financial Assets
Net Loans	22,999.8	17,581.2
Credit Card Receivables
Loans to Customers
Net Property, Plant & Equipment	46.7	46.2
Property, Plant and Equipment
Right-of-Use Assets
Net Intangible Assets	103.9	-66.7
Intangible Assets
Goodwill
Goodwill	410.3	414.3
Goodwill
Long-Term Investments	97.2	99.4
Investments in Associates
Other Non-Earning Assets	3,313.1	2,481.9
Deferred Tax Assets
Other Assets
Total Assets	62,730.1	49,931.2
Total Assets