Nu Holdings Introduces Assured Managerial P&L Framework with Strong Q4 & FY25 Results

summarizeSummary

Nu Holdings formally introduced its Managerial P&L Reconciliation Report, providing a new framework for understanding its strong Q4 and full-year 2025 financial performance, backed by an independent assurance report.

check_boxKey Events

• Formal Introduction of Managerial P&L Framework

  Nu Holdings officially launched its Managerial P&L Reconciliation Report, providing a new, consistent framework for analyzing its operational and economic performance.

• Independent Assurance Report

  KPMG provided a limited assurance conclusion, confirming the proper preparation of the managerial financial information based on the company's internal policy.

• Strong Q4 2025 Financial Performance

  The managerial P&L reported Q4 2025 Net Income of $894.8 million, a significant increase from $552.6 million in Q4 2024.

• Robust Full-Year 2025 Results

  For the full year 2025, Net Income reached $2,871.7 million, up from $1,972.1 million in 2024, demonstrating strong growth.

auto_awesomeAnalysis

This 6-K filing is significant as it formally introduces Nu Holdings' Managerial P&L Reconciliation Report, a new framework designed to provide enhanced transparency into the company's underlying operations and economic drivers. The report, which includes an independent limited assurance conclusion from KPMG, details the methodology, reclassifications, and tax-equivalency adjustments used to derive managerial performance metrics from IFRS consolidated financial statements. While the reported net income and revenue growth for Q4 and full-year 2025 are robust, the primary importance of this filing lies in the establishment of this new, assured managerial reporting lens. This framework will be crucial for investors and analysts to gain a deeper understanding of Nu Holdings' operational performance and strategic decision-making going forward.