Nu Holdings Ltd.: Key Facts
- FY2025 revenue: $15.775B.
- FY2025 net income: $2.872B.
- Employees: 10,027 full-time employees as of December 31, 2025.
- Leadership: CEO David Velez Osorno.
- Status: public, NYSE: NU.
- Headquarters: Sao Paulo, Brazil.
How Nu Holdings Makes Money
Nubank makes money from interest income on credit products, interchange and payment fees, deposit spreads, insurance, investments, marketplace products, and cross-sell across Brazil, Mexico, and Colombia.
Why Nu Holdings Matters
Nubank's advantage is low-cost digital distribution, a large engaged customer base, product simplicity, data-driven underwriting, and expansion across Latin American financial services.
Biggest Risk
The biggest risk is credit-cycle deterioration, regulation, funding costs, competition from incumbents, and execution risk as Nubank expands beyond Brazil.
