NU Stock Analysis: Nu Holdings | NYSE
Banks - Regional | NYSE, USA | Market Cap: 66.168m USD | 12M Return: -1.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 645M
EPS Trend: 95.1%
Qual. Beats: -2
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 4.5 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: 3.18b 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 July 09, 2026, the stock is trading at USD 13.37 with a total of 61,125,940 shares traded. Over the past week, the price has changed by +0.07%, over one month by +15.26%, over three months by -7.86% and over the past year by -1.62%.
Current recommended Stop Loss: 12.70 (which is 5% or 1.3 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 | 17.8 | 33.3% |
P/E Trailing = 20.9385
P/E Forward = 18.5874
P/S = 8.7132
P/B = 5.1712
P/EG = 0.788
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 = 39.1b USD (66.2b + Debt 3.22b - CCE 30.3b)
Interest Coverage Ratio = 0.81 (Ebit TTM 4.03b / Interest Expense TTM 4.95b)
EV/FCF = 32.52x (Enterprise Value 39.1b / FCF TTM 1.20b)
FCF Yield = 3.08% (FCF TTM 1.20b / Enterprise Value 39.1b)
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 = 0.50 (Enterprise Value 39.1b / 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 = 11.15% (E(66.2b)/V(69.4b) * Re(11.69%) + (debt cost/tax rate unavailable))
Discount Rate = 11.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 3.84%
[DCF] Terminal Value 63.42% ; FCFF base≈2.32b ; Y1≈2.03b ; Y5≈1.64b
[DCF] Fair Price = 11.77 (EV 18.1b - Net Debt -27.1b = Equity 45.2b / Shares 3.84b; r=11.15% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 95.12 | EPS CAGR: 81.28% | SUE: -0.94 | # QB: -2
Revenue Correlation: 99.69 | Revenue CAGR: 42.08% | SUE: -0.27 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.20 | Chg30d=-2.52% | Revisions=+0% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.21 | Chg30d=-2.19% | Revisions=+10% | Analysts=8
EPS current Year (2026-12-31): EPS=0.82 | Chg30d=-2.17% | Revisions=-8% | GrowthEPS=+39.7% | GrowthRev=+41.7%
EPS next Year (2027-12-31): EPS=1.08 | Chg30d=-1.96% | Revisions=+8% | GrowthEPS=+32.3% | GrowthRev=+21.1%
[Analyst] Revisions Ratio: +3% (up=16, down=15)