Nu Holdings Ltd.

NYSE-NU

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Operating Activities	Jun '25	Dec '24	Jun '24
Net Income	1,194.2	1,106	866.1
Net Income for the Period
Net Income for the Year
Depreciation & Amortization	44.4	40.3	36.8
Depreciation and Amortization
Depreciation and Amortization
Share-Based Compensation Expense	134.8	113.5	158.8
Stock Options Granted
Share-Based Compensation
Other Adjustments	3,866.3	8,273.6	2,396.7
Deferred Income Taxes
Provision for Lawsuits and Administrative Proceedings
Gains on Financial Instruments
Unrealized Gains on Financial Instruments
Deferred Income Taxes
Customer Program
Provision for Lawsuits and Administrative Proceedings
Unrealized Gains on Other Investments
Unrealized Gains and Losses on Financial Instruments
Unrealized Losses on Financial Instruments
Interest Accrued
Contingent Share Award - Termination
Share of Income in Associates
Others
Total Adjustments
Interest Received
Changes in Trading Assets	-1,030.9	-2,386.6	-165.7
Change in Securities
Change in Securities
Changes in Accrued Interest and Accounts Receivable	-10,177.5	-7,977.3	-4,534.5
Change in Credit Card Receivables
Credit Card Receivables
Change in Loans to Customers
Loans to Customers
Other Receivables
Changes in Accounts Payable	1,672.2	423.3	-951.8
Payables to Credit Card Network
Change in Payables to Network
Changes in Accrued Expenses	32.7	10	-6.2
Change in Deferred Income
Deferred Income
Changes in Other Operating Activities	-1,632.8	48.4	887.9
Interbank Transactions
Interbank Transactions
Change in Compulsory and Other Deposits at Central Banks
Change in Other Assets
Change in Other Assets
Change in Other Liabilities
Change in Other Liabilities
Interest Paid
Income Tax Paid
Interest Paid
Income Tax Paid
Cash from Operating Activities	3,640	301.2	2,097.8
Cash Flows Generated from Operating Activities

Cash Flow Statement	Jun '25	Dec '24	Jun '24
Provision for Credit Losses	2,189.8	1,750.6	1,718.5
Credit Loss Allowance Expenses
Credit Loss Allowance Expenses

Investing Activities	Jun '25	Dec '24	Jun '24
Net Change in Securities and Investments	—	—	—
Acquisition of Securities - Equity Instruments
Payments for Business Acquisitions	—	-5.6	—
Acquisition of Subsidiary, Net of Cash Acquired
Capital Expenditure	-4.4	-8.8	3.4
Acquisition of Property, Plant and Equipment
Purchases of Intangible Assets	-148.5	-126	-43.6
Acquisition and Development of Intangible Assets
Other Investing Activities	—	-150	—
Investments in Associates
Financial Instruments Derivatives
Cash from Investing Activities	-152.9	-290.4	-40.2
Cash Flow Generated from Investing Activities

Financing Activities	Jun '25	Dec '24	Jun '24
Net Change in Deposits	7,346.8	4,219.4	1,691.2
Change in Deposits
Deposits
Issuance of Long-Term Debt	636.3	496.9	813
Proceeds from Borrowings and Financing
Repayments of Long-Term Debt	-372	-490.2	-97.5
Payments of Securitized Borrowings
Payments of Borrowings and Financing
Lease Payments
Net Issuance / (Repayments) of Long-Term Debt	264.3	6.7	715.5
Issuance of Common Shares	1	3.1	2.4
Issuance of Shares for Over-Allotment in IPO
Exercise of Stock Options
Repurchases of Common Shares	—	—	—
Transactional Costs for Over-Allotment in IPO
Shares Repurchased
Net Issuance / (Repurchases) of Common Shares	1	3.1	2.4
Issuance of Preferred Shares	—	—	—
Proceeds from Senior Preferred Shares
Issuance of Preferred Shares
Net Issuance / (Repurchases) of Preferred Shares	—	—	—
Cash from Financing Activities	265.3	9.8	717.9
Cash Flows Generated from Financing Activities

Free Cash Flow	Jun '25	Dec '24	Jun '24
Free Cash Flow	3,635.6	292.4	2,101.2
Levered Free Cash Flow	-9,637.9	-8,738	-3,148.5
Unlevered Free Cash Flow	-11,096.3	-9,850.7	-4,730.1
Net Change in Cash	3,752.4	20.6	2,775.5