As of Q4'25, NU's latest profit margin figures show a Gross Margin of 41.5%, an Operating Margin of 22.6%, and a Net Profit Margin of 19%. These results reflect the company's financial performance at the end of 2025, providing a snapshot of profitability across key metrics. From Q1'23 to Q4'25, NU's profit margins have generally trended upward, with some fluctuations. Gross Margin improved from 40.2% in Q1'23 to a peak of 47.7% in Q2'24 before moderating to 41.5% by Q4'25. Operating Margin rose steadily from 15.1% to a high of 26.1% in Q3'25, then slightly declined to 22.6% by year-end. Net Profit Margin also increased from 8.8% in early 2023 to 19% in Q4'25, indicating enhanced profitability, though the pace of improvement slowed in the most recent quarters. Overall, the data suggests consistent margin expansion over the period, with some recent stabilization.