Nu Holdings Ltd. (M1Z) — Financial Flexibility Index
Nu Holdings Ltd. (M1Z) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of €893.64 Million (operating CF €831.03 Million minus capex €62.61 Million) represents 0% of total liabilities (€63.57 Billion). Check M1Z cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Nu Holdings Ltd. Financial Flexibility Index (2021–2025)
Historical Financial Flexibility Index trend for Nu Holdings Ltd. across 5 annual periods. For the full cash flow conversion analysis, see Nu Holdings Ltd. operating cash flow efficiency.
Annual Financial Flexibility Index for Nu Holdings Ltd. (2021–2025)
Year-by-year free cash flow to debt coverage for Nu Holdings Ltd.. Explore debt repayment capacity of Nu Holdings Ltd. to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (EUR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.06x | €3.84 Billion | €3.50 Billion | €63.57 Billion | ▼ -0.7% |
| 2024 | 0.06x | €2.57 Billion | €2.40 Billion | €42.28 Billion | ▲ +55.8% |
| 2023 | 0.04x | €1.44 Billion | €1.27 Billion | €36.94 Billion | ▲ +12.5% |
| 2022 | 0.03x | €869.88 Million | €755.57 Million | €25.04 Billion | ▲ +118.5% |
| 2021 | -0.19x | €-2.90 Billion | €-2.92 Billion | €15.42 Billion | — |