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VizualStocks APIOperating KPI and segment definitions available for Nu Holdings (NU) through the VizualStocks API.
Revenue from Nu's Brazilian operations, including interest and gains on financial instruments as well as fees and commissions. Brazil is Nu's original and largest market, so this metric shows how much of group revenue still comes from that country.
brazilRevenueRevenue from Nu's Colombian operations, including interest and gains on financial instruments as well as fees and commissions. It tracks the monetization of Nu's newest major country expansion separately from Brazil and Mexico.
colombiaRevenueShare of Nu's total customer base that generated revenue during the preceding 30 calendar days, calculated at period end. It measures monetized customer engagement rather than simply counting app logins or transactions.
customerActivityRatePeriod-end balance of customer deposits reported by Nu Holdings, measured in U.S. dollars.
customerDepositsIncome Nu earns from fees and commissions, led by credit- and prepaid-card interchange, along with late fees, insurance commissions and other services. This is gross revenue before the transactional and operating expenses required to provide those services.
feeAndCommissionIncomePeriod-end balance of Nu's interest-earning credit-card receivables plus customer loans, before expected credit-loss allowances. It is the portion of the credit portfolio currently generating interest, not all card purchase volume or total assets.
interestEarningPortfolioInterest income plus realized and unrealized gains or losses on Nu financial instruments measured at fair value through profit or loss. Because market-value changes are included, the metric can move for reasons other than cash interest received.
interestIncomeAndGainsLossesOnFinancialInstrumentsAtFairValueInterest income Nu recognizes on revolving and refinanced credit-card balances and purchased credit-card receivables. It reflects financing revenue from card balances, not interchange fees or the full value of card purchases.
interestIncomeFromCreditCardsInterest income Nu earns from customer loans, including its unsecured and secured lending products, using the effective interest method. It is lending revenue before credit-loss provisions and operating expenses, not profit from the loan portfolio.
interestIncomeFromLendingInterest income Nu earns from financial assets carried at amortized cost other than customer card receivables and loans, such as debt investments and cash placements. It separates treasury and liquidity income from revenue earned on customer credit.
interestIncomeFromOtherAssetsAtAmortizedCostInterest income Nu recognizes on receivables outside its principal credit-card and customer-loan portfolios. This is gross financing revenue from those other balances before credit costs and operating expenses, not profit.
interestIncomeFromOtherReceivablesRevenue from Nu's Mexican operations, including interest and gains on financial instruments as well as fees and commissions. It shows the revenue contribution from Nu's largest market outside Brazil as the company scales deposits and credit products there.
mexicoRevenueNu customers who generated revenue for the company during the preceding 30 calendar days. This is the numerator of Nu's customer activity rate and is narrower than the total number of open customer accounts.
monthlyActiveCustomersNu's average monthly transactional, customer-support and operational expense per active customer. It measures the recurring cost of servicing an engaged customer, not customer-acquisition expense or credit losses.
monthlyAverageCostToServePerActiveCustomerNu's average monthly revenue per active customer, calculated from monthly revenue and the average of active customers at the beginning and end of the period. It shows how effectively Nu monetizes engaged customers across credit, deposit, payment and service products.
monthlyAverageRevenuePerActiveCustomerShare of Nu's applicable consumer credit portfolio that is 15 to 90 days past due at period end. This early-delinquency ratio is a leading indicator of borrowers falling behind before balances reach the 90-plus-day category.
nonPerformingLoan15To90DayRatioShare of Nu's applicable consumer credit portfolio that is more than 90 days past due at period end. It measures severe delinquency and therefore tends to react later than the 15-to-90-day ratio as loans season and collections progress.
nonPerformingLoan90PlusDayRatioPeriod-end count of customers reported by Nu Holdings. This is a point-in-time population rather than activity during the period.
numberOfCustomersValue of transactions authorized on Nu credit and prepaid cards during the period. It excludes Pix, WhatsApp and wire transfers when Nu earns no fee, and it is customer spending volume rather than company revenue.
purchaseVolumeNu's period-end gross credit portfolio, comprising credit-card receivables and unsecured and secured customer loans before expected credit-loss allowances. It measures credit extended to customers, not card purchase volume or the amount currently earning interest.
totalCustomerLoansCreditCardAndPersonalLoans