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

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Interest and Other Financial Expenses

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Transactional Expenses

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Total Cost of Financial and Transactional Services Provided

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Gross Profit

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Customer Support and Operations

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General and Administrative Expenses

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G&A - Other

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Contingent Share Award Termination

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G&A - Others

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Marketing Expenses

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Other Expenses

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Other Income

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Total Operating Income

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Results with Convertible Instruments

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Loss Before Income Taxes

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Profit Before Income Taxes

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Current Taxes

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Deferred Taxes

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Income Taxes

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Loss for the Year

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Net Income for the Period

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Net Income for the Period Common Size

Earnings per Share - Basic and Diluted

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Earnings per Share - Basic and Diluted Common Size

Net Income Attributable to Shareholders of the Parent Company

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Net Income Attributable to Non-Controlling Interests

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Earnings per Share - Basic

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Earnings per Share - Diluted

Net Interest Income

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Non-Interest Income

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Total Revenues Before Provision for Credit Losses

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Provision for Credit Losses

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Total Revenues After Provision for Credit Losses

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Compensation Expenses

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Selling, General & Administrative Expenses

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Other Non-Interest Expenses

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Income Before Provision for Income Taxes

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Provision for Income Taxes

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Consolidated Net Income

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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	2,301.8	2,098.8	1,835.9	1,745.7	1,712.8	1,718.1
Interest Income and Gains Net of Losses on Financial Instruments
Interest and Other Financial Expenses
Non-Interest Income	490.2	461.4	457.1	422	409.9	401.1
Fee and Commission Income
Transactional Expenses
Total Revenues Before Provision for Credit Losses	2,792	2,560.2	2,293	2,167.7	2,122.8	2,119.2
Total Revenues Before Provision for Credit Losses %Chg	31.5%	20.8%	14%	24.9%	37.6%	54.4%
Provision for Credit Losses	977.5	1,012.2	973.5	804.4	774.1	759.8
Credit Loss Allowance Expenses
Total Revenues After Provision for Credit Losses	1,814.5	1,548	1,319.5	1,363.3	1,348.6	1,359.4
Compensation Expenses	174.8	161.4	151.5	155.9	135.2	162.9
Customer Support and Operations
Selling, General & Administrative Expenses	419.6	408.6	333.9	1,626.9	384.5	374.3
General and Administrative Expenses
Marketing Expenses
G&A - Other
G&A - Others
Other Non-Interest Expenses	103.8	98.6	39	69.2	105.1	96.8
Other Income
Share of Loss in Associates
Results with Convertible Instruments
Other Expenses
Contingent Share Award Termination
Other Expenses
Other Income
Total Non-Interest Expense	697.1	668.6	523.3	1,229.9	624.8	634
Total Operating Income
Income Before Provision for Income Taxes	1,116.3	879.4	795.1	767.5	723.8	725.4
Profit Before Income Taxes
Loss Before Income Taxes
Provision for Income Taxes	333.6	242.4	237.9	214.8	170.4	238.1
Income Taxes
Consolidated Net Income	782.7	637	557.2	552.6	553.4	487.3
Net Income for the Period
Loss for the Year
Net Income Attributable to Minority Interests and Other	0.2	0.1	0	—	—	—
Net Income Attributable to Non-Controlling Interests
Net Income Attributable to Common Shareholders	782.5	636.8	557.2	552.6	553.4	487.3
Net Income Attributable to Shareholders of the Parent Company
Basic EPS	0.2	0.1	0.1	0.1	0.1	0.1
Diluted EPS	0.2	0.1	0.1	0.1	0.1	0.1
Basic Weighted Average Shares Outstanding	4,838.8	4,825.6	4,816.3	4,809.8	4,797.7	4,788.2
Diluted Weighted Average Shares Outstanding	4,905.1	4,899.8	4,892.6	4,512.3	4,889.4	4,881
Total Shares Outstanding	4,845.6	4,832.4	4,824.4	4,818.7	4,806.6	4,789
EBITDA	25.6	23.1	21.3	21.1	19.3	18.3
Effective Tax Rate	29.9%	27.6%	29.9%	28%	23.5%	32.8%