Nu Holdings Ltd. (NU) balance sheet
NYSE · Financial Services · Banks - Regional · 8,037 employees · CEO David Velez Osorno
- Price
- $11.61 -3.65%
- Market cap
- $56.1B
- Enterprise value
- $78.5B
- Last report
- Q2 '26 filed 2026-08-13
- Next report
- 2026-11-12
At the end of Q2 '26 Nu Holdings Ltd. (NU) held $33.3B in cash and short-term investments against $42B of debt incl. leases. Total assets $82.8B, total liabilities $69.5B, shareholders' equity $13.2B.
Balance sheet
| Balance sheet | Trend | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||
| Cash & equivalents | $9.06B | $13.4B | $13B | $13.6B | $12.3B | $13.6B | $14.9B | $17.2B | $17.3B | $15B | $19.4B | $19.6B | |
| Short-term investments | $8.61B | $8.65B | $8.8B | $8.16B | $11B | $9.51B | $9.41B | $10.3B | $11.2B | $1.14B | $11B | $13.7B | |
| Receivables | $12.4B | $14.5B | $14.2B | $13B | $13.8B | $13.9B | $15.1B | $16.8B | $18.5B | $19.3B | $20.2B | $21.5B | |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $22.2M | $7.71M | -$44.9B | |
| Current assets | $30.3B | $36.7B | $36.3B | $35B | $37.4B | $37.2B | $39.6B | $44.4B | $47.3B | $35.4B | $50.9B | $9.84B | |
| Property, plant & equipment (net) | $62M | $69.8M | $65.5M | $56.2M | $53.5M | $46.2M | $46.1M | $46.7M | $45.8M | $27.6M | $75.2M | $105M | |
| Long-term investments | $3.43B | $4.34B | $4.75B | $5.46B | $6.09B | $7.13B | $8.01B | $9.53B | $12.5B | $22.3B | $15.8B | $16.8B | |
| Goodwill | $398M | $398M | $398M | $398M | $441M | $414M | $409M | $410M | $410M | $409M | $409M | $409M | |
| Intangible assets | $278M | $296M | $307M | $306M | $358M | $348M | $440M | $514M | $575M | $602M | $700M | $747M | |
| Deferred tax assets | $1.35B | $1.54B | $1.71B | $1.7B | $1.9B | $1.82B | $1.83B | $2.06B | $2.23B | $2.51B | $2.97B | $0 | |
| Other non-current assets | -$167M | -$29.2M | $331M | $1.91B | $2.43B | $2.99B | $3.89B | $5.76B | $5.32B | $13.6B | $6.63B | $54.9B | |
| Non-current assets | $5.35B | $6.61B | $7.56B | $9.83B | $11.3B | $12.7B | $14.6B | $18.3B | $21.1B | $39.5B | $26.5B | $72.9B | |
| Total assets | $35.7B | $43.3B | $43.8B | $44.8B | $48.6B | $49.9B | $54.2B | $62.7B | $68.4B | $74.9B | $77.5B | $82.8B | |
| Liabilities | |||||||||||||
| Accounts payable | $7.83B | $9.76B | $9.57B | $8.9B | $8.56B | $9.33B | $10.1B | $11.2B | $12B | $13.6B | $14.4B | $15.5B | |
| Accrued expenses | $164M | $167M | $192M | $201M | $223M | $180M | $180M | $235M | $243M | $237M | $223M | $432M | |
| Short-term debt | $244M | $324M | $727M | $872M | $699M | $531M | $777M | $1.25B | $1.87B | $2.53B | $3.12B | $39.5B | |
| Taxes payable | $849M | $1.3B | $320M | $582M | $949M | $1.1B | $452M | $718M | $1.09B | $1.42B | $0 | $0 | |
| Other current liabilities | $19.1B | $23.7B | $24.3B | $25.2B | $28.3B | $28.9B | $31.6B | $37B | $39.3B | $43.4B | $42.5B | -$17.7B | |
| Current liabilities | $27.4B | $33.9B | $34.7B | $35.2B | $37.8B | $38.9B | $42.7B | $49.6B | $53.4B | $59.8B | $61.2B | $39.5B | |
| Long-term debt | $1B | $807M | $820M | $546M | $282M | $329M | $930M | $1.03B | $1.22B | $2.66B | $0 | $2.45B | |
| Lease obligations (non-current) | $32M | $36.9M | $35.7M | $31.2M | $29.9M | $26.2M | $26.7M | $27.5M | $27.1M | $29.2M | $49.4M | $66.4M | |
| Deferred revenue (non-current) | $61.2M | $288M | $296M | $251M | $274M | $276M | $85.5M | $106M | $111M | $77.5M | $345M | $84.2M | |
| Deferred tax liabilities | $75.2M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Other non-current liabilities | $1.27B | $1.87B | $1.14B | $1.85B | $2.61B | $2.75B | $1.84B | $2.35B | $3.02B | $998M | $3.25B | $27.4B | |
| Non-current liabilities | $2.44B | $3B | $2.29B | $2.68B | $3.2B | $3.38B | $2.89B | $3.51B | $4.38B | $3.76B | $3.64B | $30B | |
| Total liabilities | $29.8B | $36.9B | $37B | $37.9B | $41B | $42.3B | $45.6B | $53.2B | $57.8B | $63.6B | $64.9B | $69.5B | |
| Equity | |||||||||||||
| Common stock & paid-in capital | $84K | $84K | $84K | $84K | $84K | $84K | $84K | $84K | $84K | $84K | $84K | $84K | |
| Retained earnings | $888M | $1.28B | $1.72B | $2.25B | $2.85B | $3.42B | $4.03B | $4.69B | $5.49B | $6.41B | $7.34B | $7.08B | |
| Accumulated other comprehensive income | $29.6M | $156M | $112M | -$307M | -$249M | -$828M | -$481M | -$173M | $3.17M | -$184M | $183M | $1.6B | |
| Shareholders' equity | $5.89B | $6.41B | $6.8B | $6.92B | $7.64B | $7.65B | $8.61B | $9.57B | $10.6B | $11.3B | $12.6B | $13.2B | |
| Debt | |||||||||||||
| Total debt (incl. leases) | $1.28B | $1.17B | $1.58B | $1.45B | $1.01B | $887M | $1.73B | $2.3B | $3.12B | $5.21B | $3.17B | $42B | |
| Net debt (debt - cash) | -$7.78B | -$12.2B | -$11.5B | -$12.2B | -$11.3B | -$12.8B | -$13.2B | -$14.9B | -$14.2B | -$9.79B | -$16.2B | $22.4B | |
| Balance sheet | Trend | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Cash & equivalents | $202M | $440M | $603M | $2.53B | $6.89B | $13.4B | $13.6B | $15B | |
| Short-term investments | $178M | $807M | $1.78B | $8.16B | $9.95B | $8.65B | $9.51B | $1.14B | |
| Receivables | $1.62B | $2.79B | $2.94B | $4.9B | $9B | $14.5B | $13.9B | $19.3B | |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $22.2M | |
| Current assets | $2.01B | $4.05B | $5.35B | $15.6B | $25.9B | $36.7B | $37.2B | $35.4B | |
| Property, plant & equipment (net) | $6.7M | $25.9M | $20.5M | $20.5M | $46.5M | $69.8M | $46.2M | $27.6M | |
| Long-term investments | $599M | $2.38B | $4.51B | $2.13B | $2.29B | $3.83B | $7.13B | $22.3B | |
| Goodwill | $0 | $0 | $831K | $402M | $397M | $398M | $414M | $409M | |
| Intangible assets | $503K | $1.11M | $12.4M | $72.3M | $182M | $296M | $348M | $602M | |
| Deferred tax assets | $55.2M | $94.2M | $125M | $361M | $811M | $1.54B | $1.82B | $2.51B | |
| Other non-current assets | $114M | $214M | $138M | $1.24B | $290M | $483M | $2.99B | $13.6B | |
| Non-current assets | $776M | $2.71B | $4.81B | $4.22B | $4.01B | $6.61B | $12.7B | $39.5B | |
| Total assets | $2.79B | $6.76B | $10.2B | $19.9B | $29.9B | $43.3B | $49.9B | $74.9B | |
| Liabilities | |||||||||
| Accounts payable | $1.68B | $2.98B | $3.33B | $4.88B | $7.05B | $9.76B | $9.33B | $13.6B | |
| Accrued expenses | $5.47M | $11.2M | $25.8M | $97.9M | $90.6M | $167M | $180M | $237M | |
| Short-term debt | $17.3M | $1.47B | $0 | $3.05M | $236M | $324M | $531M | $2.53B | |
| Taxes payable | $0 | $0 | $30.8M | $241M | $511M | $1.3B | $1.1B | $1.42B | |
| Other current liabilities | $611M | $1.24B | $5.93B | $9.68B | $15.8B | $23.7B | $28.9B | $43.4B | |
| Current liabilities | $2.31B | $5.7B | $9.29B | $14.7B | $23.2B | $33.9B | $38.9B | $59.8B | |
| Long-term debt | $115M | $303M | $177M | $157M | $547M | $807M | $329M | $2.66B | |
| Lease obligations (non-current) | $0 | $18.7M | $12M | $7.62M | $20.4M | $36.9M | $26.2M | $29.2M | |
| Deferred revenue (non-current) | $10.8M | $21.2M | $26M | $30.7M | $122M | $288M | $276M | $77.5M | |
| Deferred tax liabilities | $1K | $698K | $8.74M | $29.3M | $41.1M | $0 | $0 | $0 | |
| Other non-current liabilities | $52.8M | $101M | $206M | $529M | $1.11B | $1.87B | $2.75B | $998M | |
| Non-current liabilities | $179M | $445M | $430M | $754M | $1.84B | $3B | $3.38B | $3.76B | |
| Total liabilities | $2.49B | $6.15B | $9.72B | $15.4B | $25B | $36.9B | $42.3B | $63.6B | |
| Equity | |||||||||
| Common stock & paid-in capital | $42K | $45K | $45K | $83K | $83K | $84K | $84K | $84K | |
| Retained earnings | -$58M | $28.2M | -$102M | -$128M | $64.6M | $1.28B | $3.42B | $6.41B | |
| Accumulated other comprehensive income | -$34.7M | -$47.2M | -$97.5M | -$109M | -$138M | $156M | -$828M | -$184M | |
| Shareholders' equity | $297M | $612M | $438M | $4.44B | $4.89B | $6.41B | $7.65B | $11.3B | |
| Debt | |||||||||
| Total debt (incl. leases) | $115M | $322M | $189M | $168M | $803M | $1.17B | $887M | $5.21B | |
| Net debt (debt - cash) | -$86.2M | -$118M | -$414M | -$2.36B | -$6.09B | -$12.2B | -$12.8B | -$9.79B | |
Standardised by Financial Modeling Prep from the company's filings; outflows and costs keep the sign the provider reports. Hover a period for its end date. Amounts in USD.
Cash, investments and debt
quarter endsThe other statements
Sources
Statements, segment revenue, metrics and estimates: Financial Modeling Prep.
Data as of 2026-11-02