Financial Snapshot

Revenue
$10.13B
TTM
Gross Margin
73.07%
TTM
Net Earnings
$1.530B
TTM
Current Assets
$7.620B
Q2 2024
Current Liabilities
$35.78B
Q2 2024
Current Ratio
21.3%
Q2 2024
Total Assets
$44.80B
Q2 2024
Total Liabilities
$37.88B
Q2 2024
Book Value
$6.923B
Q2 2024
Cash
$9.000K
Q2 2024
P/E
43.64
Nov 15, 2024 EST
Free Cash Flow
$1.448B
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018
Revenue $8.029B $4.792B $1.698B $737.1M $612.1M $318.9M
YoY Change 67.54% 182.22% 130.36% 20.43% 91.93%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018
Revenue $8.029B $4.792B $1.698B $737.1M $612.1M $318.9M
Cost Of Revenue $2.253B $1.724B $484.5M $240.7M $189.0M $88.56M
Gross Profit $5.776B $1.663B $1.214B $496.4M $423.1M $230.4M
Gross Profit Margin 71.94% 34.7% 71.47% 67.34% 69.12% 72.23%

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018
Selling, General & Admin $1.638B -$1.197B $881.6M $402.0M $352.2M $136.8M
YoY Change -236.87% -235.78% 119.33% 14.12% 157.39%
% of Gross Profit 28.37% -71.99% 72.65% 80.98% 83.25% 59.41%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $62.90M $35.58M $17.34M $7.428M $5.073M $1.071M
YoY Change 76.77% 105.21% 133.43% 46.42% 373.67%
% of Gross Profit 1.09% 2.14% 1.43% 1.5% 1.2% 0.46%
Operating Expenses $4.237B -$1.197B $1.384B $588.4M $552.4M $263.8M
YoY Change -453.93% -186.51% 135.16% 6.52% 109.43%
Operating Profit $1.539B $2.860B -$170.2M -$92.03M -$129.3M -$33.40M
YoY Change -46.19% -1780.8% 84.91% -28.83% 287.08%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018
Interest Expense $2.037B $1.548B $0.00 -$101.2M $0.00 $0.00
YoY Change 31.59% -100.0%
% of Operating Profit 132.35% 54.12%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018
Pretax Income $1.539B -$308.9M -$170.2M -$193.2M -$129.3M -$33.40M
YoY Change -598.24% 81.53% -11.91% 49.4% 287.08%
Income Tax $508.5M $55.73M -$4.830M -$21.69M -$36.77M -$4.821M
% Of Pretax Income 33.04%
Net Earnings $1.031B -$364.6M -$165.0M -$171.5M -$92.53M -$28.58M
YoY Change -382.62% 121.0% -3.79% 85.33% 223.73%
Net Earnings / Revenue 12.84% -7.61% -9.72% -23.26% -15.12% -8.96%
Basic Earnings Per Share
Diluted Earnings Per Share $0.21 -$0.08 -$35.79K -$37.21K -$20.08K -$6.202K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018
Cash & Short-Term Investments $5.069B $3.959B $177.0M $152.3M $143.7M $99.01M
YoY Change 28.02% 2137.15% 16.22% 5.96% 45.15%
Cash & Equivalents $1.475M $1.177M $2.827M $9.338M $15.36M $19.40M
Short-Term Investments
Other Short-Term Assets $81.69M $61.74M $15.96M $8.301M $10.43M $5.505M
YoY Change 32.3% 286.92% 92.24% -20.4% 89.43%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $6.839B $4.542B $192.9M $160.6M $154.1M $104.5M
YoY Change 50.56% 2254.5% 20.15% 4.17% 47.48%
Property, Plant & Equipment $69.75M $46.46M $20.54M $20.51M $25.86M $6.702M
YoY Change 50.12% 126.27% 0.12% -20.69% 285.88%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $17.71B $13.51B $12.47B $6.545B $3.420B $879.3M
YoY Change 31.12% 8.37% 90.45% 91.4% 288.91%
Other Assets $1.769B $968.5M $436.9M $150.1M $94.20M $55.22M
YoY Change 82.61% 121.66% 191.13% 59.33% 70.6%
Total Long-Term Assets $36.51B $25.39B $19.67B $9.994B $6.606B $2.681B
YoY Change 43.77% 29.12% 96.78% 51.28% 146.37%
Total Assets $43.35B $29.93B $19.86B $10.15B $6.760B $2.786B
YoY Change
Accounts Payable $9.755B $7.055B $4.882B $3.331B $2.977B $1.676B
YoY Change 38.28% 44.5% 46.56% 11.92% 77.61%
Accrued Expenses $166.9M $90.59M $97.91M $25.85M $11.24M $5.467M
YoY Change 84.22% -7.48% 278.79% 130.01% 105.56%
Deferred Revenue
YoY Change
Short-Term Debt $23.90B $16.01B $9.670B $5.585B $2.693B $628.7M
YoY Change 49.33% 65.51% 73.15% 107.37% 328.38%
Long-Term Debt Due $113.6M $38.33M
YoY Change 196.37%
Total Short-Term Liabilities $35.24B $23.70B $14.89B $8.973B $5.693B $2.327B
YoY Change 48.68% 59.15% 65.96% 57.6% 144.65%
Long-Term Debt $1.060B $567.6M $164.9M $517.6M $322.0M $115.4M
YoY Change 86.7% 244.26% -68.15% 60.73% 179.02%
Other Long-Term Liabilities $640.9M $734.9M $330.3M $217.0M $131.7M $46.50M
YoY Change -12.78% 122.48% 52.19% 64.77% 183.31%
Total Long-Term Liabilities $1.701B $1.302B $495.2M $734.6M $453.8M $161.9M
YoY Change 30.57% 163.02% -32.59% 61.9% 180.25%
Total Liabilities $36.94B $25.04B $15.42B $9.716B $6.148B $2.489B
YoY Change 47.5% 62.44% 58.68% 58.04% 146.99%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $66.774 Billion

About Nu Holdings Ltd

Nu Holdings Ltd. is a holding company, which engages in the provision of digital banking services. The company is headquartered in Sao Paulo, Sao Paulo and currently employs 7,686 full-time employees. The company went IPO on 2021-12-09. The firm offers its customers products across the five financial seasons: spending, saving, investing, borrowing, and protecting. Its spending solutions are designed to help customers pay for goods and services in their everyday lives with a customized credit line or instantly through a mobile phone, while collecting loyalty points and rewards on applicable transactions. Its savings solutions are designed to help customers deposit, manage and save their money in interest-earning accounts with complementary debit cards. Its investing solutions are designed to help customers invest their money in investment products and services. Its borrowing solutions are designed to provide customers with unsecured loans that are easy to receive, manage and pay back. Its NuInsurance protecting solutions are designed to help customers secure life insurance and funeral benefits.

Industry: Finance Services Peers: