NU Stock Analysis: Nu Holdings | NYSE
Banks - Regional | NYSE, USA | Market Cap: 71.881m USD | 12M Return: 3.6% | KYG6683N1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 960M
EPS Trend: 91.4%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 4.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Nu Holdings Ltd. is a digital banking platform operating in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company offers a comprehensive suite of financial products organized around several core categories: spending solutions (credit and prepaid cards, including the premium Ultraviolet card, plus an integrated marketplace), transactional solutions (personal and business digital accounts), savings and investing solutions (goal-based investing, brokerage products, and cryptocurrency trading), borrowing solutions (personal loans, peer-to-peer Pix financing, and purchase financing), and protection solutions (insurance products). Beyond core banking, the company also offers ancillary services such as a travel portal and a mobile phone service. Founded in 2013, Nu Holdings is headquartered in São Paulo, Brazil, and trades on the NYSE under the ticker NU following its December 2021 IPO.
As a classified neobank in the Diversified Banks sub-industry (GICS Financials sector), Nu Holdings operates an asset-light, branchless model that delivers banking services primarily through a mobile app. This digital-only structure allows the company to serve a large customer base across Latin America with lower operating costs than traditional incumbents, while cross-selling payments, credit, investments, insurance, and lifestyle services to deepen customer engagement and generate fee-based revenue.
- Brazil rate cuts pressure net interest margin
- Mexico and Colombia expansion accelerates customer growth
- Credit card portfolio growth boosts higher-yield interest income
| Net Income: 3.61b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.05 > 0.02 and ΔFCF/TA -11.19 > 1.0 |
| NWC/Revenue: -153.1% < 20% (prev -40.93%; Δ -112.1% < -1%) |
| CFO/TA -0.05 > 3% & CFO -4.27b > Net Income 3.61b |
| Net Debt (32.2b) to EBITDA (4.48b): 7.19 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.90b) vs 12m ago 0.10% < -2% |
| Gross Margin: 44.03% > 18% (prev 44.65%; Δ -0.62% > 0.5%) |
| Asset Turnover: 26.64% > 50% (prev 20.37%; Δ 6.27% > 0%) |
| Interest Coverage Ratio: 0.80 > 6 (EBIT TTM 4.38b / Interest Expense TTM 5.48b) |
| A: -0.36 (Total Current Assets 9.84b - Total Current Liabilities 39.5b) / Total Assets 82.8b |
| B: 0.09 (Retained Earnings 7.08b / Total Assets 82.8b) |
| C: 0.06 (EBIT TTM 4.38b / Avg Total Assets 72.7b) |
| D: 0.19 (Book Value of Equity 13.2b / Total Liabilities 69.5b) |
| Altman-Z'' = -1.47 = CCC |
As of September 03, 2026, the stock is trading at USD 15.40 with a total of 80,770,188 shares traded. Over the past week, the price has changed by +1.52%, over one month by +6.65%, over three months by +29.09% and over the past year by +3.63%.
Current recommended Stop Loss: 14.60 (which is 5.2% or 1.4 ATR below the current price).
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 | 18.8 | 21.9% |
P/E Trailing = 20.3836
P/E Forward = 21.0526
P/S = 8.5146
P/B = 5.5308
P/EG = 0.8928
Revenue TTM = 19.4b USD
EBIT TTM = 4.38b USD
EBITDA TTM = 4.48b USD
Long Term Debt = 269.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 39.5b USD (from shortTermDebt, last quarter)
Debt = 42.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 49.4m
Net Debt = 32.2b USD (calculated: Debt 42.1b - CCE 9.84b)
Enterprise Value = 104b USD (71.9b + Debt 42.1b - CCE 9.84b)
Interest Coverage Ratio = 0.80 (Ebit TTM 4.38b / Interest Expense TTM 5.48b)
EV/FCF = -24.69x (Enterprise Value 104b / FCF TTM -4.22b)
FCF Yield = -4.05% (FCF TTM -4.22b / Enterprise Value 104b)
FCF Margin = -21.76% (FCF TTM -4.22b / Revenue TTM 19.4b)
Net Margin = 18.61% (Net Income TTM 3.61b / Revenue TTM 19.4b)
Gross Margin = 44.03% ((Revenue TTM 19.4b - Cost of Revenue TTM 10.8b) / Revenue TTM)
Gross Margin QoQ = 45.27% (prev 40.16%)
Tobins Q-Ratio = 1.26 (Enterprise Value 104b / Total Assets 82.8b)
Interest Expense / Debt = 13.02% (Interest Expense 5.48b / Debt 42.1b)
Taxrate = 17.63% (774.6m / 4.39b)
NOPAT = 3.61b (EBIT 4.38b * (1 - 17.63%))
Current Ratio = 0.25 (Total Current Assets 9.84b / Total Current Liabilities 39.5b)
Debt / Equity = 3.18 (Debt 42.1b / totalStockholderEquity, last quarter 13.2b)
Debt / EBITDA = 7.19 (Net Debt 32.2b / EBITDA 4.48b)
Debt / FCF = -7.64 (negative FCF - burning cash) (Net Debt 32.2b / FCF TTM -4.22b)
Total Stockholder Equity = 11.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.96% (Net Income 3.61b / Total Assets 82.8b)
RoE = 30.26% (Net Income TTM 3.61b / Total Stockholder Equity 11.9b)
RoCE = 35.97% (EBIT 4.38b / Capital Employed (Equity 11.9b + L.T.Debt 269.8m))
RoIC = 4.42% (NOPAT 3.61b / Invested Capital 81.8b)
WACC = 10.72% (E(71.9b)/V(114b) * Re(10.72%) + D(42.1b)/V(114b) * Rd(13.02%) * (1-Tc(0.18)))
Discount Rate = 10.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 93.36 | Cagr: 0.17%
[DCF] Fair Price = unknown (Cash Flow -4.22b)
EPS Correlation: 91.36 | EPS CAGR: 85.18% | SUE: 2.65 | # QB: 1
Revenue Correlation: 99.68 | Revenue CAGR: 42.20% | SUE: 0.15 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.22 | Chg30d=+6.95% | Revisions=-17% | Analysts=9
EPS current Year (2026-12-31): EPS=0.85 | Chg30d=+5.00% | Revisions=+29% | GrowthEPS=+45.1% | GrowthRev=+45.2%
EPS next Year (2027-12-31): EPS=1.11 | Chg30d=+4.18% | Revisions=+0% | GrowthEPS=+30.9% | GrowthRev=+20.7%
[Analyst] Revisions Ratio: +7% (up=6, down=5)