(NU) Nu Holdings - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 59.105m USD | Total Return: -6.2% in 12m
Credit Cards, Digital Accounts, Personal Loans, Insurance, Investments
Total Rating 34
Safety 26
Buy Signal -0.23
Banks - Regional
Industry Rotation: -1.9
Industry Rotation: -1.9
Market Cap:
59.1B
Avg Turnover: 552M
Avg Turnover: 552M
Risk 3d forecast
Volatility42.7%
VaR 5th Pctl7.24%
VaR vs Median2.88%
Reward TTM
Sharpe Ratio-0.09
Rel. Str. IBD11.4
Rel. Str. Peer Group6.6
Character TTM
Beta1.618
Beta Downside1.536
Hurst Exponent0.525
Drawdowns 3y
Max DD39.58%
CAGR/Max DD0.55
CAGR/Mean DD1.97
EPS (Earnings per Share)
EPS CAGR: 118.87%
EPS Trend: 98.3%
EPS Trend: 98.3%
Last SUE: -1.16
Qual. Beats: -2
Qual. Beats: -2
Revenue
Rev. CAGR: 59.31%
Rev. Trend: 97.4%
Rev. Trend: 97.4%
Last SUE: 0.81
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: NU Nu Holdings
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
Piotroski VR‑10 (Strict)
5.0
| Net Income: 2.87b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.13 > 1.0 |
| NWC/Revenue: -154.2% < 20% (prev 70.34%; Δ -224.5% < -1%) |
| CFO/TA 0.05 > 3% & CFO 3.50b > Net Income 2.87b |
| Net Debt (-9.79b) to EBITDA (3.97b): -2.47 < 3 |
| Current Ratio: 0.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.91b) vs 12m ago 0.38% < -2% |
| Gross Margin: 44.61% > 18% (prev 0.46%; Δ 4.41k% > 0.5%) |
| Asset Turnover: 25.33% > 50% (prev 22.50%; Δ 2.83% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBITDA TTM 3.97b / Interest Expense TTM 4.58b) |
Altman Z''
-1.34
| A: -0.33 (Total Current Assets 35.44b - Total Current Liabilities 59.81b) / Total Assets 74.89b |
| B: 0.09 (Retained Earnings 6.41b / Total Assets 74.89b) |
| C: 0.06 (EBIT TTM 3.87b / Avg Total Assets 62.41b) |
| D: 0.10 (Book Value of Equity 6.23b / Total Liabilities 63.57b) |
| Altman-Z'' Score: -1.34 = CCC |
Beneish M
-2.83
| DSRI: 1.12 (Receivables 19.27b/12.26b, Revenue 15.81b/11.24b) |
| GMI: 1.03 (GM 44.61% / 45.91%) |
| AQI: 0.65 (AQ_t 0.53 / AQ_t-1 0.82) |
| SGI: 1.41 (Revenue 15.81b / 11.24b) |
| TATA: -0.01 (NI 2.87b - CFO 3.50b) / TA 74.89b) |
| Beneish M-Score: -2.83 (Cap -4..+1) = A |
What is the price of NU shares?
As of May 20, 2026, the stock is trading at USD 12.29 with a total of 50,485,190 shares traded.
Over the past week, the price has changed by -7.39%, over one month by -18.61%, over three months by -29.04% and over the past year by -6.18%.
Over the past week, the price has changed by -7.39%, over one month by -18.61%, over three months by -29.04% and over the past year by -6.18%.
Is NU a buy, sell or hold?
Nu Holdings has received a consensus analysts rating of 3.70.
Therefor, it is recommend to hold NU.
- StrongBuy: 7
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the NU price?
| Analysts Target Price | 19.9 | 61.7% |
Nu Holdings (NU) - Fundamental Data Overview
as of 16 May 2026
P/E Trailing = 20.9655 P/E Forward = 19.1571
P/S = 8.4542
P/B = 5.9407
P/EG = 0.8121
Revenue TTM = 15.81b USD
EBIT TTM = 3.87b USD
EBITDA TTM = 3.97b USD
Long Term Debt = 269.8m USD (from longTermDebt, last quarter)
Short Term Debt = 2.53b USD (from shortTermDebt, last quarter)
Debt = 5.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -9.79b USD (from netDebt column, last quarter)
Enterprise Value = 48.17b USD (59.10b + Debt 5.21b - CCE 16.14b)
Interest Coverage Ratio = 0.85 (Ebit TTM 3.87b / Interest Expense TTM 4.58b)
EV/FCF = 13.79x (Enterprise Value 48.17b / FCF TTM 3.49b)
FCF Yield = 7.25% (FCF TTM 3.49b / Enterprise Value 48.17b)
FCF Margin = 22.10% (FCF TTM 3.49b / Revenue TTM 15.81b)
Net Margin = 18.15% (Net Income TTM 2.87b / Revenue TTM 15.81b)
Gross Margin = 44.61% ((Revenue TTM 15.81b - Cost of Revenue TTM 8.76b) / Revenue TTM)
Gross Margin QoQ = 44.33% (prev 46.65%)
Tobins Q-Ratio = 0.64 (Enterprise Value 48.17b / Total Assets 74.89b)
Interest Expense / Debt = 26.42% (Interest Expense 1.38b / Debt 5.21b)
Taxrate = 16.91% (182.9m / 1.08b)
NOPAT = 3.22b (EBIT 3.87b * (1 - 16.91%))
Current Ratio = 0.59 (Total Current Assets 35.44b / Total Current Liabilities 59.81b)
Debt / Equity = 0.46 (Debt 5.21b / totalStockholderEquity, last quarter 11.29b)
Debt / EBITDA = -2.47 (Net Debt -9.79b / EBITDA 3.97b)
Debt / FCF = -2.80 (Net Debt -9.79b / FCF TTM 3.49b)
Total Stockholder Equity = 10.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.60% (Net Income 2.87b / Total Assets 74.89b)
RoE = 28.67% (Net Income TTM 2.87b / Total Stockholder Equity 10.01b)
RoCE = 37.68% (EBIT 3.87b / Capital Employed (Equity 10.01b + L.T.Debt 269.8m))
RoIC = 29.36% (NOPAT 3.22b / Invested Capital 10.96b)
WACC = 12.50% (E(59.10b)/V(64.32b) * Re(11.67%) + D(5.21b)/V(64.32b) * Rd(26.42%) * (1-Tc(0.17)))
Discount Rate = 11.67% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.67 | Cagr: 0.46%
[DCF] Terminal Value 61.90% ; FCFF base≈3.05b ; Y1≈2.81b ; Y5≈2.52b
[DCF] Fair Price = 8.94 (EV 24.50b - Net Debt -9.79b = Equity 34.29b / Shares 3.84b; r=12.50% [WACC]; 5y FCF grow -10.06% → 3.0% )
EPS Correlation: 98.27 | EPS CAGR: 118.9% | SUE: -1.16 | # QB: -2
Revenue Correlation: 97.36 | Revenue CAGR: 59.31% | SUE: 0.81 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.20 | Chg30d=+1.54% | Revisions=+20% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.22 | Chg30d=+0.74% | Revisions=+0% | Analysts=8
EPS current Year (2026-12-31): EPS=0.84 | Chg30d=+0.49% | Revisions=+0% | GrowthEPS=+43.6% | GrowthRev=+34.5%
EPS next Year (2027-12-31): EPS=1.11 | Chg30d=-0.23% | Revisions=+0% | GrowthEPS=+31.7% | GrowthRev=+21.1%
[Analyst] Revisions Ratio: +20%