NU Stock Analysis: Nu Holdings | NYSE
Banks - Regional | NYSE, USA | Market Cap: 71.156m USD | 12M Return: -24.9% | KYG6683N1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 1.23B
EPS Trend: 91.4%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 4.8 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 headquartered in São Paulo, Brazil, operating across Brazil, Mexico, Colombia, the Cayman Islands, and the United States. Founded in 2013, the company operates as a neobank-a digital-only financial institution that delivers banking services primarily through mobile applications rather than physical branch networks, a model that typically enables lower operating costs and broader customer reach in emerging markets.
The company offers a comprehensive suite of financial products spanning spending solutions (credit and prepaid cards, mobile payments, and an integrated marketplace), transactional solutions (personal and business accounts), savings and investing solutions (goal-based investing and cryptocurrency trading), borrowing solutions (personal loans, peer-to-peer transfers, and purchase financing), and protection solutions (insurance products). Beyond financial services, Nu extends into adjacent offerings such as travel and mobile phone services.
As a large-cap stock in the Diversified Banks sub-industry within the Financials sector, Nu Holdings listed on the NYSE in December 2021 and serves as a notable Latin American fintech, competing in a region where digital banking adoption has been accelerated by high smartphone penetration and underbanked populations seeking accessible financial services.
- Brazil interest rate cuts compress net interest margin
- Mexico and Colombia expansion drives active customer growth
- Credit losses rise as Brazil consumer delinquencies increase
| 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 (8.82b) to EBITDA (4.52b): 1.95 < 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 4.39b / 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 4.39b / Avg Total Assets 72.7b) |
| D: 0.19 (Book Value of Equity 13.2b / Total Liabilities 69.5b) |
| Altman-Z'' = -1.47 = CCC |
| DSRI: 0.85 (Receivables 21.5b/16.8b, Revenue 19.4b/12.8b) |
| GMI: 1.01 (GM 44.65% / 44.03%) |
| AQI: 3.02 (AQ_t 0.88 / AQ_t-1 0.29) |
| SGI: 1.52 (Revenue 19.4b / 12.8b) |
| TATA: 0.10 (NI 3.61b - CFO -4.27b) / TA 82.8b) |
| Beneish M = -1.56 (Cap -4..+1) = CCC |
As of October 29, 2026, the stock is trading at USD 11.97 with a total of 88,506,897 shares traded. Over the past week, the price has changed by -20.47%, over one month by -2.13%, over three months by -18.46% and over the past year by -24.86%.
Current recommended Stop Loss: 10.90 (which is 8.9% or 1.3 ATR below the current price).
Nu Holdings has received a consensus analysts rating of 4.32. Therefore, it is recommended to buy NU.
- StrongBuy: 13
- Buy: 4
- Hold: 4
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 18.9 | 58.1% |
P/E Trailing = 20.1781
P/E Forward = 14.8148
P/S = 8.4287
P/B = 4.9657
P/EG = 0.6273
Revenue TTM = 19.4b USD
EBIT TTM = 4.39b USD
EBITDA TTM = 4.52b USD
Long Term Debt = 2.81b USD (from longTermDebt, last quarter)
Short Term Debt = 39.5b USD (from shortTermDebt, last quarter)
Debt = 42.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 66.4m
Net Debt = 8.82b USD (calculated: Debt 42.1b - CCE 33.3b)
Enterprise Value = 80.0b USD (71.2b + Debt 42.1b - CCE 33.3b)
Interest Coverage Ratio = 0.80 (Ebit TTM 4.39b / Interest Expense TTM 5.48b)
EV/FCF = -18.97x (Enterprise Value 80.0b / FCF TTM -4.22b)
FCF Yield = -5.27% (FCF TTM -4.22b / Enterprise Value 80.0b)
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 = 0.97 (Enterprise Value 80.0b / Total Assets 82.8b)
Interest Expense / Debt = 13.02% (Interest Expense 5.48b / Debt 42.1b)
Taxrate = 17.63% (774.6m / 4.39b)
NOPAT = 3.62b (EBIT 4.39b * (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 = 1.95 (Net Debt 8.82b / EBITDA 4.52b)
Debt / FCF = -2.09 (negative FCF - burning cash) (Net Debt 8.82b / 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 = 29.82% (EBIT 4.39b / Capital Employed (Equity 11.9b + L.T.Debt 2.81b))
RoIC = 4.43% (NOPAT 3.62b / Invested Capital 81.8b)
WACC = 10.71% (E(71.2b)/V(113b) * Re(10.70%) + D(42.1b)/V(113b) * Rd(13.02%) * (1-Tc(0.18)))
Discount Rate = 10.70% (= 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=-1.66% | Revisions=+62% | Analysts=10
EPS current Year (2026-12-31): EPS=0.85 | Chg30d=-0.19% | Revisions=+12% | GrowthEPS=+46.0% | GrowthRev=+44.6%
EPS next Year (2027-12-31): EPS=1.11 | Chg30d=+0.06% | Revisions=-67% | GrowthEPS=+29.7% | GrowthRev=+23.9%
[Analyst] Revisions Ratio: +0% (up=8, down=8)