Nu Holdings annual free cash flow
2022
2023
2024
2025
Nu Holdings Free Cash Flow (FCF) History (NU)
Nu Holdings reported $3.16B in free cash flow for fiscal 2025, an increase of 42.07% from the previous fiscal year, with a free cash flow margin of 29.73%.
View full Nu Holdings company overviewNu Holdings free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $3.16B | $935.6M | +42.07% | +29.73% |
| 2024 | 2024-12-31 | $2.22B | $1.13B | +104.19% | +19.31% |
| 2023 | 2023-12-31 | $1.09B | $447.9M | +69.85% | +13.57% |
| 2022 | 2022-12-31 | $641.3M | — | — | +13.38% |
Nu Holdings quarterly free cash flow
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | −$53.3M | −$2.54B | — | −1.42% |
| Q1 2026 | 2026-03-31 | −$1.29B | −$2.29B | — | −36.43% |
| Q4 2025 | 2025-12-31 | $768.4M | — | — | +24.49% |
| Q3 2025 | 2025-09-30 | −$1.10B | — | — | −40.15% |
| Q2 2025 | 2025-06-30 | $2.48B | — | — | +98.98% |
| Q1 2025 | 2025-03-31 | $1.00B | — | — | +44.56% |
Nu Holdings free cash flow growth trends
Nu Holdings's latest reported quarter, Q2 2026, generated −$53.3M in free cash flow, a decrease of $2.54B year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Nu Holdings source filings ↗Community posts
Nu launches US services and a separate international money platform
Nu ($NU) announced its entry into the United States and introduced Nu Global as a separate international offering. The US launch includes an account delivered through FDIC-insured Lead Bank and a Mastercard credit-card proposition. The move ...