Nu Holdings Ltd (NU) — Defensive Interval Ratio
Nu Holdings Ltd (NU) has a Defensive Interval Ratio of 125 days as of December 2025. Defensive assets of $20.41 Billion (cash $0.00, short-term investments $1.14 Billion, receivables $19.27 Billion) cover 125 days of daily cash needs of $163.87 Million/day. See working capital to net assets of Nu Holdings Ltd to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Nu Holdings Ltd Defensive Interval Ratio (2018–2025)
This chart shows how Nu Holdings Ltd's Defensive Interval Ratio has evolved across 8 annual periods from 2018 to 2025. As of December 2025, the ratio stands at 125 days, meaning defensive assets of $20.41 Billion can fund 125 days of operations without new revenue. See NU equity to assets ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Nu Holdings Ltd (2018–2025)
The table below presents the year-by-year Defensive Interval Ratio for Nu Holdings Ltd from 2018 to 2025, covering 8 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see NU market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 125 days | $20.41 Billion | $163.87 Million/day | $0.00 | $1.14 Billion | ▼ -95 days |
| 2024 | 220 days | $23.40 Billion | $106.58 Million/day | $9.00K | $9.51 Billion | ▼ -30 days |
| 2023 | 249 days | $23.19 Billion | $92.99 Million/day | $1.48 Million | $8.65 Billion | ▼ -49 days |
| 2022 | 298 days | $18.95 Billion | $63.56 Million/day | $1.18 Million | $9.95 Billion | ▼ -675 days |
| 2021 | 973 days | $13.02 Billion | $13.38 Million/day | $2.83 Million | $8.16 Billion | ▲ +457 days |
| 2020 | 516 days | $4.71 Billion | $9.13 Million/day | $9.34 Million | $1.79 Billion | ▲ +140 days |
| 2019 | 376 days | $3.06 Billion | $8.15 Million/day | $15.36 Million | $262.87 Million | ▼ -21 days |
| 2018 | 397 days | $1.82 Billion | $4.59 Million/day | $19.40 Million | $177.56 Million | — |