(NU) Nu Holdings - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 63.446m USD | Total Return: -0.6% in 12m
Avg Turnover: 699M
EPS Trend: 95.2%
Qual. Beats: -2
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Nu Holdings Ltd. operates a comprehensive digital banking platform serving retail and business customers across Brazil, Mexico, and Colombia. Its service architecture integrates credit and prepaid cards, digital personal and business accounts, and investment products including goal-based savings and cryptocurrency trading. The company also provides unsecured and secured lending, insurance policies, and an integrated e-commerce marketplace.
Operating as a neobank, the company utilizes a low-cost, branchless business model that leverages high mobile penetration to acquire customers at a fraction of the cost incurred by traditional legacy banks. The Latin American fintech sector is characterized by a significant unbanked population, allowing digital-first institutions to capture market share through simplified fee structures and instant payment systems like Brazils Pix.
Investors can evaluate the company’s long-term growth trajectory and valuation metrics by exploring the data tools on ValueRay.
- Rapid customer acquisition and expansion in Mexico and Colombia drive revenue growth
- Increasing net interest margin through higher credit card and personal loan penetration
- Low cost-to-serve digital infrastructure maintains superior operating leverage over legacy banks
- Brazilian central bank regulatory shifts and interest rate volatility impact credit quality
- Cross-selling insurance and investment products increases average revenue per active customer
| Net Income: 3.18b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -5.82 > 1.0 |
| NWC/Revenue: -58.79% < 20% (prev -26.45%; Δ -32.34% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.20b > Net Income 3.18b |
| Net Debt (-27.1b) to EBITDA (4.14b): -6.54 < 3 |
| Current Ratio: 0.83 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.91b) vs 12m ago 0.36% < -2% |
| Gross Margin: 43.74% > 18% (prev 45.50%; Δ -1.75% > 0.5%) |
| Asset Turnover: 26.65% > 50% (prev 21.86%; Δ 4.80% > 0%) |
| Interest Coverage Ratio: 0.81 > 6 (EBIT TTM 4.03b / Interest Expense TTM 4.95b) |
| A: -0.13 (Total Current Assets 50.9b - Total Current Liabilities 61.2b) / Total Assets 77.5b |
| B: 0.09 (Retained Earnings 7.34b / Total Assets 77.5b) |
| C: 0.06 (EBIT TTM 4.03b / Avg Total Assets 65.8b) |
| D: 0.19 (Book Value of Equity 12.6b / Total Liabilities 64.9b) |
| Altman-Z'' = 0.05 = B |
| DSRI: 0.90 (Receivables 20.2b/15.1b, Revenue 17.5b/11.8b) |
| GMI: 1.04 (GM 45.50% / 43.74%) |
| AQI: 1.27 (AQ_t 0.34 / AQ_t-1 0.27) |
| SGI: 1.48 (Revenue 17.5b / 11.8b) |
| TATA: 0.03 (NI 3.18b - CFO 1.20b) / TA 77.5b) |
| Beneish M = -2.56 (Cap -4..+1) = A |
As of June 03, 2026, the stock is trading at USD 11.93 with a total of 171,802,930 shares traded.
Over the past week, the price has changed by -8.09%,
over one month by -15.75%,
over three months by -21.46% and
over the past year by -0.58%.
Nu Holdings has received a consensus analysts rating of 3.70. Therefore, it is recommended to hold NU.
- StrongBuy: 7
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 19.4 | 62.5% |
P/E Trailing = 20.0769
P/E Forward = 18.1159
P/S = 8.3547
P/B = 5.0399
P/EG = 0.768
Revenue TTM = 17.5b USD
EBIT TTM = 4.03b USD
EBITDA TTM = 4.14b USD
Long Term Debt = 269.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.12b USD (from shortTermDebt, last quarter)
Debt = 3.22b USD (from shortLongTermDebtTotal, last quarter) + Leases 49.4m
Net Debt = -27.1b USD (calculated: Debt 3.22b - CCE 30.3b)
Enterprise Value = 36.3b USD (63.4b + Debt 3.22b - CCE 30.3b)
Interest Coverage Ratio = 0.81 (Ebit TTM 4.03b / Interest Expense TTM 4.95b)
EV/FCF = 30.25x (Enterprise Value 36.3b / FCF TTM 1.20b)
FCF Yield = 3.31% (FCF TTM 1.20b / Enterprise Value 36.3b)
FCF Margin = 6.85% (FCF TTM 1.20b / Revenue TTM 17.5b)
Net Margin = 18.15% (Net Income TTM 3.18b / Revenue TTM 17.5b)
Gross Margin = 43.74% ((Revenue TTM 17.5b - Cost of Revenue TTM 9.87b) / Revenue TTM)
Gross Margin QoQ = 40.16% (prev 44.33%)
Tobins Q-Ratio = 0.47 (Enterprise Value 36.3b / Total Assets 77.5b)
Interest Expense / Debt = 154.0% (Interest Expense 4.95b / Debt 3.22b)
Taxrate = 20.87% (841.8m / 4.03b)
NOPAT = 3.19b (EBIT 4.03b * (1 - 20.87%))
Current Ratio = 0.83 (Total Current Assets 50.9b / Total Current Liabilities 61.2b)
Debt / Equity = 0.26 (Debt 3.22b / totalStockholderEquity, last quarter 12.6b)
Debt / EBITDA = -6.54 (Net Debt -27.1b / EBITDA 4.14b)
Debt / FCF = -22.56 (Net Debt -27.1b / FCF TTM 1.20b)
Total Stockholder Equity = 11.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.84% (Net Income 3.18b / Total Assets 77.5b)
RoE = 28.94% (Net Income TTM 3.18b / Total Stockholder Equity 11.0b)
RoCE = 35.78% (EBIT 4.03b / Capital Employed (Equity 11.0b + L.T.Debt 269.8m))
RoIC = 17.27% (NOPAT 3.19b / Invested Capital 18.5b)
WACC = 11.05% (E(63.4b)/V(66.7b) * Re(11.61%) + (debt cost/tax rate unavailable))
Discount Rate = 11.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 3.84%
[DCF] Terminal Value 63.73% ; FCFF base≈2.32b ; Y1≈2.03b ; Y5≈1.64b
[DCF] Fair Price = 11.83 (EV 18.3b - Net Debt -27.1b = Equity 45.4b / Shares 3.84b; r=11.05% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 95.21 | EPS CAGR: 68.65% | SUE: -1.87 | # QB: -2
Revenue Correlation: 99.69 | Revenue CAGR: 42.08% | SUE: -0.27 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.21 | Chg30d=+1.32% | Revisions=+25% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.22 | Chg30d=+1.06% | Revisions=+0% | Analysts=8
EPS current Year (2026-12-31): EPS=0.83 | Chg30d=+0.28% | Revisions=+0% | GrowthEPS=+42.8% | GrowthRev=+39.1%
EPS next Year (2027-12-31): EPS=1.10 | Chg30d=-0.54% | Revisions=+9% | GrowthEPS=+32.0% | GrowthRev=+19.8%
[Analyst] Revisions Ratio: +25%