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.

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

Brazil - Number of Customers

Brazil - Number of Customers % Chg.

Mexico - Number of Customers

Mexico - Number of Customers % Chg.

Colombia - Number of Customers

Colombia - Number of Customers % Chg.

Total Number of Customers

Total Number of Customers % Chg.

Brazil - Number of Active Customers

Brazil - Number of Active Customers % Chg.

Monthly Active Customers

Monthly Active Customers % Chg.

Customer Activity Rate

Customer Activity Rate % Chg.

Credit Card Purchase Volume

Credit Card Purchase Volume % Chg.

Prepaid Card Purchase Volume

Prepaid Card Purchase Volume % Chg.

Total Purchase Volume

Total Purchase Volume % Chg.

Monthly Average Revenue per Active Customer

Monthly Average Revenue per Active Customer % Chg.

Monthly Average Cost to Serve per Active Customer

Monthly Average Cost to Serve per Active Customer % Chg.

Total Customer Loans - Credit Card and Personal Loans

Total Customer Loans - Credit Card and Personal Loans % Chg.

Customer Deposits

Customer Deposits % Chg.

Interest-Earning Portfolio

Interest-Earning Portfolio % Chg.

Key Performance Indicators

Brazil Revenue

Brazil Revenue % Chg.

Mexico Revenue

Mexico Revenue % Chg.

Colombia Revenue

Colombia Revenue % Chg.

Cayman Islands Revenue

Uruguay Revenue

United States Revenue

United States Revenue % Chg.

Total Revenue by Geography

Total Revenue by Geography Common Size

Total Revenue by Geography % Chg.

Revenue by Geography

Interest Income - Credit Card

Interest Income - Credit Card % Chg.

Interest Income - Lending

Interest Income - Lending % Chg.

Interest Income - Other Assets at Amortized Cost

Interest Income - Other Assets at Amortized Cost % Chg.

Interest Income - Other Receivables

Interest Income - Other Receivables % Chg.

Interest Income and Gains (Losses) on Financial Instruments at Fair Value

Interest Income and Gains (Losses) on Financial Instruments at Fair Value % Chg.

Revenue	Sep '25	Jun '25
Interest Income - Credit Card	4,129.4	3,876.8
Interest Income - Lending	4,253.3	3,788
Interest Income - Other Assets at Amortized Cost	1,936.4	1,650.4
Interest Income - Other Receivables	329.6	307.6
Interest Income and Gains (Losses) on Financial Instruments at Fair Value	1,283.3	1,205.5
Interest Income and Gains (Losses) on Financial Instruments	11,932	10,828.4
Fee and Commission Income	2,146.1	2,020.3
Total Revenue	14,078.2	12,848.6

Revenue by Geography	Sep '25	Jun '25
Brazil Revenue	11,019.8	10,260.3
Mexico Revenue	827.4	749
Colombia Revenue	—	—
United States Revenue	—	—
Total Revenue by Geography	11,847.2	11,009.3

Key Performance Indicators	Sep '25	Jun '25
Brazil - Number of Customers	110.1	107.3
Mexico - Number of Customers	13.1	12
Colombia - Number of Customers	3.8	3.4
Total Number of Customers	127	122.7
Brazil - Number of Active Customers	94.1	91.4
Monthly Active Customers	105.9	102.2
Customer Activity Rate	83%	83%
Credit Card Purchase Volume	86,500	82,300
Prepaid Card Purchase Volume	45,900	44,500
Total Purchase Volume	132,400	126,300
Total Customer Loans - Credit Card and Personal Loans	30,400	27,300
Customer Deposits	38,800	36,600
Interest-Earning Portfolio	17,700	15,700