Nu Holdings Ltd.

NUNYSEFinancial Services● Active

$11.73

$-0.25(-2.05%)

Market Cap$56.8B

P/E Ratio—

52W High$18.98

52W Low$11.2

Avg Volume53.1M

Open$12.01

Beta0.95

Free Cash Flow Financials Revenue

Nu Holdings Ltd. (NU) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

NU · free cash flow · updated Jun 8, 2026

Core FCF metrics

NU · FCF · TTM · margin & CAGR

Free cash flow was $3.49B for FY2025 (fiscal year ending 2025-12-31), up 57.1% year-over-year The FCF margin was 22.0%. Five-year CAGR stands at +29.3%.

FY2025 Free Cash Flow$3.49B▲ +57.1% YoY

Trailing 12M (TTM)$1.20Btrailing 4 quarters sum

FCF Margin22.0%$3.49B ÷ revenue

3-Year CAGR+76.0%FY2022 → FY2025

5-Year CAGR+29.3%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

NU · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$3.50B(7M)$3.49B▲ +57.1%22.0%

FY2024$2.40B(175M)$2.22B▲ +104.2%20.0%

FY2023$1.27B(177M)$1.09B▲ +69.8%14.2%

FY2022$755.6M(114M)$641.3M▲ +121.7%14.2%

FY2021−$2.92B(28M)−$2.95B▼ 405.5%-195.2%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

NU · P/FCF · FCF yield · FCF per share

Nu Holdings Ltd. (NU) trades at a FCF yield of 2.11% and a price-to-free-cash-flow ratio of 46.9x. FCF per share stands at $0.25, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

2.11%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$0.25

TTM FCF ÷ Shares Outstanding

Price / FCF

x46.9

Share Price ÷ FCF per Share

EV / FCF (TTM)

x33.9

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

NU · cash flow statement · operating / investing / financing

For FY2025, Nu Holdings Ltd. generated $3.50B in operating cash flow and spent 7M in capital expenditures, yielding $3.49B in free cash flow.

Operating Activities

+$3.50B

Cash from core business operations

2025-12-31

Investing Activities

−$342.3M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$2.29B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($3.50B) − |CapEx| (7M) = FCF ($3.49B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

NU vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Nu Holdings Ltd.YOU

$3.49B+57.1%22.0%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Nu Holdings Ltd. (NU) reported free cash flow of $3.49B for FY2025 (fiscal year ending 2025-12-31), up 57.1% year-over-year. The FCF margin was 22.0%.

Based on available data, Nu Holdings Ltd. has maintained positive free cash flow for at least 6 fiscal year(s). FCF peaked at $3.49B in FY2025. The 5-year CAGR stands at +29.3%.

Nu Holdings Ltd.'s FCF yield is 2.11% and price-to-FCF ratio is 46.9x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

NU free cash flow · 8 questions

Nu Holdings Ltd. free cash flow was $3.49B for FY2025, up 57.1% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $1.20B.

NU free cash flowNU FCFNU FCF 2025NU free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Nu Holdings Ltd. · Nu Holdings Ltd. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026