Nu Holdings Ltd. balance sheet

At the end of fiscal 2025, Nu Holdings Ltd. had total assets of $74.89bn, total liabilities of $63.57bn and shareholders' equity of $11.29bn. It held $15.00bn in cash against $4.40bn of debt: net cash of $10.61bn.

Balance sheet

US$ billions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Nu Holdings Ltd.: balance sheet, annual
Fiscal year	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025
Cash and equivalents	1.2	2.3	2.7	4.2	5.9	9.2	15.0
Receivables	—	1.5	2.3	4.2	6.3	14.6	21.8
Goodwill	—	0.0	0.4	0.4	0.4	0.4	0.4
Total assets	—	10.2	19.9	29.9	43.3	49.9	74.9
Short-term debt	0.1	0.1	0.1	0.6	1.1	1.7	4.4
Total debt	0.1	0.1	0.1	0.6	1.1	1.7	4.4
Total liabilities	—	9.7	15.4	25.0	36.9	42.3	63.6
Shareholders' equity	0.6	0.4	4.4	4.9	6.4	7.6	11.3
Net debt (negative = net cash)	−1.1	−2.2	−2.6	−3.6	−4.8	−7.5	−10.6

Balances at each fiscal year end (quarter end in the quarterly view). Total debt is short- plus long-term borrowings, including lease debt where the company reports it within debt. Where assets do not equal liabilities plus shareholders' equity, the difference (non-controlling interests, redeemable preferred shares) is shown on its own line.

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Figures from Nu Holdings Ltd.'s SEC filings (10-K and 10-Q), retrieved November 1, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Nu Holdings Ltd.