Nu Holdings Ltd. (M1Z) - Cash Flow Conversion Efficiency

Latest as of December 2025: 0.073x

Based on the latest financial reports, Nu Holdings Ltd. (M1Z) has a cash flow conversion efficiency ratio of 0.073x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (€831.03 Million ≈ $971.56 Million USD) by net assets (€11.32 Billion ≈ $13.24 Billion USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See M1Z net asset quality index to measure how much of total assets are equity-financed.

Nu Holdings Ltd. - Cash Flow Conversion Efficiency Trend (2021–2025)

This chart illustrates how Nu Holdings Ltd.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. Check Nu Holdings Ltd. cash earnings quality to evaluate the quality of earnings relative to operating cash generation.

Nu Holdings Ltd. Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Nu Holdings Ltd. ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
DnB ASA OL:DNB	0.400x
COMPASS GROUP F:XGR	N/A
KBC Groep NV BR:KBC	-0.345x
Shanghai Pudong Development Bank Co Ltd SHG:600000	0.109x
Itaú Unibanco Holding S.A F:BVXB	-0.202x
Swedbank AB (publ) ST:SWED-A	0.183x
Hess Corporation NYSE:HES	0.113x
Constellation Software Inc. TO:CSU	0.167x

Annual Cash Flow Conversion Efficiency for Nu Holdings Ltd. (2021–2025)

The table below shows the annual cash flow conversion efficiency of Nu Holdings Ltd. from 2021 to 2025. For the full company profile with market capitalisation and key ratios, see Nu Holdings Ltd. (M1Z) market capitalisation.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	€11.32 Billion ≈ $13.24 Billion	€3.50 Billion ≈ $4.09 Billion	0.309x	-1.45%
2024-12-31	€7.65 Billion ≈ $8.94 Billion	€2.40 Billion ≈ $2.80 Billion	0.314x	+58.73%
2023-12-31	€6.41 Billion ≈ $7.49 Billion	€1.27 Billion ≈ $1.48 Billion	0.198x	+27.93%
2022-12-31	€4.89 Billion ≈ $5.72 Billion	€755.57 Million ≈ $883.34 Million	0.154x	+123.47%
2021-12-31	€4.44 Billion ≈ $5.19 Billion	€-2.92 Billion ≈ $-3.42 Billion	-0.658x	--

About Nu Holdings Ltd.

F:M1Z Germany Banks - Regional

Market Cap

$46.24 Billion

€39.55 Billion EUR

Market Cap Rank

#583 Global

#117 in Germany

Share Price

€10.35

Change (1 day)

-6.89%

52-Week Range

€10.33 - €15.58

All Time High

€15.58