Nu Holdings Ltd. - Asset Resilience Ratio

Latest as of December 2025: 15.84%

Nu Holdings Ltd. (M1Z) has an Asset Resilience Ratio of 15.84% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets

€11.86 Billion

≈ $13.87 Billion USD Cash + Short-term Investments

Total Assets

€74.89 Billion

≈ $87.56 Billion USD All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2021–2025)

This chart shows how Nu Holdings Ltd.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Nu Holdings Ltd. asset portfolio.

Liquid Assets Composition Over Time

This chart breaks down Nu Holdings Ltd.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Nu Holdings Ltd. (M1Z) investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	€0.00	0%
Short-term Investments	€11.86 Billion	15.84%
Total Liquid Assets	€11.86 Billion	15.84%

Asset Resilience Insights

Good Liquidity Position: Nu Holdings Ltd. maintains a healthy 15.84% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Nu Holdings Ltd. Industry Peers by Asset Resilience Ratio

Compare Nu Holdings Ltd.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

Annual Asset Resilience Ratio for Nu Holdings Ltd. (2021–2025)

The table below shows the annual Asset Resilience Ratio data for Nu Holdings Ltd..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	15.84%	€11.86 Billion ≈ $13.87 Billion	€74.89 Billion ≈ $87.56 Billion	-3.22pp
2024-12-31	19.05%	€9.51 Billion ≈ $11.12 Billion	€49.93 Billion ≈ $58.37 Billion	-0.91pp
2023-12-31	19.96%	€8.65 Billion ≈ $10.12 Billion	€43.35 Billion ≈ $50.68 Billion	-13.27pp
2022-12-31	33.23%	€9.95 Billion ≈ $11.63 Billion	€29.93 Billion ≈ $35.00 Billion	-7.88pp
2021-12-31	41.11%	€8.16 Billion ≈ $9.54 Billion	€19.86 Billion ≈ $23.22 Billion	--

pp = percentage points

About Nu Holdings Ltd.

F:M1Z Germany Banks - Regional

Market Cap

$46.24 Billion

€39.55 Billion EUR

Market Cap Rank

#588 Global

#119 in Germany

Share Price

€10.35

Change (1 day)

-6.89%

52-Week Range

€10.33 - €15.58

All Time High

€15.58