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.

Interest Income and Gains Net of Losses on Financial Instruments

Interest Income and Gains Net of Losses on Financial Instruments %Chg

Interest Income and Gains Net of Losses on Financial Instruments Common Size

Fee and Commission Income

Fee and Commission Income %Chg

Fee and Commission Income Common Size

Total Revenue

Total Revenue %Chg

Total Revenue Common Size

Interest and Other Financial Expenses

Interest and Other Financial Expenses %Chg

Interest and Other Financial Expenses Common Size

Transactional Expenses

Transactional Expenses %Chg

Transactional Expenses Common Size

Credit Loss Allowance Expenses

Credit Loss Allowance Expenses %Chg

Credit Loss Allowance Expenses Common Size

Total Cost of Financial and Transactional Services Provided

Total Cost of Financial and Transactional Services Provided %Chg

Total Cost of Financial and Transactional Services Provided Common Size

Gross Profit

Gross Profit %Chg

Gross Profit Common Size

Customer Support and Operations

Customer Support and Operations %Chg

Customer Support and Operations Common Size

General and Administrative Expenses

General and Administrative Expenses %Chg

General and Administrative Expenses Common Size

G&A - Other

G&A - Other %Chg

G&A - Other Common Size

Contingent Share Award Termination

Contingent Share Award Termination %Chg

Contingent Share Award Termination Common Size

G&A - Others

G&A - Others %Chg

G&A - Others Common Size

Marketing Expenses

Marketing Expenses %Chg

Marketing Expenses Common Size

Other Expenses

Other Expenses %Chg

Other Expenses Common Size

Other Income

Other Income %Chg

Other Income Common Size

Total Operating Income

Total Operating Income %Chg

Total Operating Income Common Size

Results with Convertible Instruments

Results with Convertible Instruments %Chg

Results with Convertible Instruments Common Size

Loss Before Income Taxes

Loss Before Income Taxes %Chg

Loss Before Income Taxes Common Size

Profit Before Income Taxes

Profit Before Income Taxes %Chg

Profit Before Income Taxes Common Size

Current Taxes

Current Taxes %Chg

Current Taxes Common Size

Deferred Taxes

Deferred Taxes %Chg

Deferred Taxes Common Size

Income Taxes

Income Taxes %Chg

Income Taxes Common Size

Loss for the Year

Loss for the Year %Chg

Loss for the Year Common Size

Net Income for the Period

Net Income for the Period %Chg

Net Income for the Period Common Size

Earnings per Share - Basic and Diluted

Earnings per Share - Basic and Diluted %Chg

Earnings per Share - Basic and Diluted Common Size

Weighted Average Number of Outstanding Shares - Basic and Diluted

Weighted Average Number of Outstanding Shares - Basic and Diluted %Chg

Weighted Average Number of Outstanding Shares - Basic and Diluted Common Size

Net Income Attributable to Shareholders of the Parent Company

Net Income Attributable to Shareholders of the Parent Company %Chg

Net Income Attributable to Shareholders of the Parent Company Common Size

Net Income Attributable to Non-Controlling Interests

Net Income Attributable to Non-Controlling Interests %Chg

Net Income Attributable to Non-Controlling Interests Common Size

Earnings per Share - Basic

Earnings per Share - Basic %Chg

Earnings per Share - Basic Common Size

Earnings per Share - Diluted

Earnings per Share - Diluted %Chg

Earnings per Share - Diluted Common Size

Weighted Average Number of Outstanding Shares - Basic

Weighted Average Number of Outstanding Shares - Basic %Chg

Weighted Average Number of Outstanding Shares - Basic Common Size

Weighted Average Number of Outstanding Shares - Diluted

Weighted Average Number of Outstanding Shares - Diluted %Chg

Weighted Average Number of Outstanding Shares - Diluted Common Size

Net Interest Income

Net Interest Income %Chg

Net Interest Income Common Size

Non-Interest Income

Non-Interest Income %Chg

Non-Interest Income Common Size

Total Revenues Before Provision for Credit Losses

Total Revenues Before Provision for Credit Losses %Chg

Total Revenues Before Provision for Credit Losses Common Size

Provision for Credit Losses

Provision for Credit Losses %Chg

Provision for Credit Losses Common Size

Total Revenues After Provision for Credit Losses

Total Revenues After Provision for Credit Losses %Chg

Total Revenues After Provision for Credit Losses Common Size

Compensation Expenses

Compensation Expenses %Chg

Compensation Expenses Common Size

Selling, General & Administrative Expenses

Selling, General & Administrative Expenses %Chg

Selling, General & Administrative Expenses Common Size

Other Non-Interest Expenses

Other Non-Interest Expenses %Chg

Other Non-Interest Expenses Common Size

Total Non-Interest Expense

Total Non-Interest Expense %Chg

Total Non-Interest Expense Common Size

Income Before Provision for Income Taxes

Income Before Provision for Income Taxes %Chg

Income Before Provision for Income Taxes Common Size

Provision for Income Taxes

Provision for Income Taxes %Chg

Provision for Income Taxes Common Size

Consolidated Net Income

Consolidated Net Income %Chg

Consolidated Net Income Common Size

Net Income Attributable to Minority Interests and Other

Net Income Attributable to Minority Interests and Other %Chg

Net Income Attributable to Minority Interests and Other Common Size

Revenue

EBIT

EBITDA

CapEx

Assets

Adjusted EBITDA

Adjusted Net Income

Net Revenue

Net Income

Average Assets

Adjusted EBIT

Adjusted Revenue

Adjusted EBT

Adjusted Funds From Operations

Income Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Interest Income	7,982.1	7,393.2	7,012.6	6,796.2	6,396.2	5,878.4
Interest Income and Gains Net of Losses on Financial Instruments
Interest and Other Financial Expenses
Non-Interest Income	1,830.7	1,750.4	1,690.1	1,625.7	1,593.7	1,531.1
Fee and Commission Income
Transactional Expenses
Total Revenues Before Provision for Credit Losses	9,812.9	9,143.6	8,702.7	8,421.9	7,989.9	7,409.5
Total Revenues Before Provision for Credit Losses %Chg	22.8%	23.4%	30.6%	45.8%	58.7%	72.5%
Provision for Credit Losses	3,767.6	3,564.2	3,311.8	3,169	2,957.1	2,810.5
Credit Loss Allowance Expenses
Total Revenues After Provision for Credit Losses	6,045.3	5,579.4	5,390.8	5,252.9	5,032.8	4,599
Compensation Expenses	643.7	604	605.5	604.6	588.4	580.5
Customer Support and Operations
Selling, General & Administrative Expenses	1,532.9	1,497.8	1,463.5	2,758.6	1,487.8	1,414
General and Administrative Expenses
Marketing Expenses
G&A - Other
G&A - Others
Other Non-Interest Expenses	—	197.4	210.3	350.6	270.3	230.4
Other Income
Results with Convertible Instruments
Other Expenses
Contingent Share Award Termination
Total Non-Interest Expense	2,176.6	2,299.3	2,279.3	2,457.7	2,346.5	2,224.9
Total Operating Income
Income Before Provision for Income Taxes	3,558.2	3,165.7	3,011.7	2,795.2	2,587.7	2,275.4
Profit Before Income Taxes
Loss Before Income Taxes
Provision for Income Taxes	1,028.7	865.5	861.2	823.1	807.3	745.4
Income Taxes
Consolidated Net Income	2,529.5	2,300.2	2,150.5	1,972.1	1,780.3	1,530
Net Income for the Period
Loss for the Year
Net Income Attributable to Minority Interests and Other	—	—	—	—	—	—
Net Income Attributable to Non-Controlling Interests
Net Income Attributable to Common Shareholders	2,529.2	2,300.1	2,150.5	1,972.1	1,780.3	1,530
Net Income Attributable to Shareholders of the Parent Company
Basic EPS	0.5	0.5	0.4	0.4	0.4	0.3
Diluted EPS	0.5	0.5	0.4	0.4	0.4	0.3
Basic Weighted Average Shares Outstanding	4,822.6	4,812.3	4,803	4,792.3	4,776.3	4,764.9
Diluted Weighted Average Shares Outstanding	4,802.5	4,798.5	4,793.8	4,792.3	4,769	4,760.8
Total Shares Outstanding	4,845.6	4,832.4	4,824.4	4,818.7	4,806.6	4,789
EBITDA	128.6	122.3	117.6	77.1	105.8	105.7
Effective Tax Rate	28.9%	27.3%	28.6%	29.4%	31.2%	32.8%