Nu Holdings Ltd. (NU) Debt by Year

Nu Holdings Ltd. carried $4.4B in long-term debt against $15.0B in cash and equivalents at the end of fiscal year 2025. This represents an increase of 154.2% from the prior fiscal year. The table below carries 7 fiscal years, from 2019 to 2025, and the quarters Nu Holdings Ltd. has filed alongside them.

FY2025 annual

Long-Term Debt $4.4B

Cash & Equivalents $15.0B

YoY +154.2%

5Y CAGR +114.2%

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Apr 8, 2026 Reported Apr 8, 2026 Currency USD

Annual figures, oldest first. Point at a bar to read its period.

NU Debt & Cash by Fiscal Year

Figures are as reported in USD. Each change compares the year with the year before it, and each column links to the filing it was taken from.

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Long-Term Debt	$4.4B+154.2%	$1.7B+52.3%	$1.1B+94.1%	$585.6M+297.7%	$147.2M+51.1%	$97.5M	N/A
Cash & Equivalents	$15.0B+63.3%	$9.2B+55.1%	$5.9B+42.0%	$4.2B+54.2%	$2.7B+15.4%	$2.3B+88.0%	$1.2B

NU Debt & Cash by Quarter

Figures are as reported in USD. Each change compares the quarter with the same quarter a year earlier.

Metric	Q3'2510-K	Q3'2410-K	Q3'2310-K	Q3'2210-K	Q3'2110-K
Long-Term Debt	$1.7B+52.3%	$1.1B+94.1%	$585.6M+297.7%	$147.2M+51.1%	$97.5M
Cash & Equivalents	$9.2B+55.1%	$5.9B+42.0%	$4.2B+54.2%	$2.7B+15.4%	$2.3B

What long-term debt means

Long-term debt is borrowing that falls due more than a year out, and the cash line beside it is what the company held on the same balance sheet date.

More Nu Holdings Ltd. financials

Frequently Asked Questions

What was Nu Holdings Ltd.'s long-term debt in fiscal year 2025?

Nu Holdings Ltd. carried $4.4B in long-term debt against $15.0B in cash and equivalents at the end of fiscal year 2025.

How fast is Nu Holdings Ltd.'s long-term debt growing?

Nu Holdings Ltd. (NU) long-term debt rose by 154.2% year over year, from $1.7B to $4.4B in fiscal year 2025.

What was Nu Holdings Ltd.'s long-term debt in the most recent quarter?

Nu Holdings Ltd. (NU) reported $1.7B in long-term debt in Q3 2025. This represents an increase of 52.3% from the same quarter a year earlier.

What does long-term debt mean on a financial statement?

Long-term debt is borrowing that falls due more than a year out, and the cash line beside it is what the company held on the same balance sheet date. This page lists what Nu Holdings Ltd. (NU) reported on that line in every period on record.