Nu Holdings Ltd. Financial Flexibility Index
Nu Holdings Ltd. 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). See M1Z free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Nu Holdings Ltd. (2021–2025)
Financial flexibility index of Nu Holdings Ltd. from 2021 to 2025. Historical Financial Flexibility Index trend for Nu Holdings Ltd. across 5 annual periods. Check Nu Holdings Ltd. (M1Z) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
Nu Holdings Ltd. Financial Flexibility Index by Year (2021–2025)
Nu Holdings Ltd. financial flexibility index by year from 2021 to 2025. Year-by-year free cash flow to debt coverage for Nu Holdings Ltd.. For the full cash flow conversion analysis, see Nu Holdings Ltd. cash flow conversion.
| 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 | — |