NU Stock Analysis: Nu Holdings | NYSE
Banks - Regional | NYSE, USA | Market Cap: 65.504m USD | 12M Return: -20.9% | KYG6683N1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 989M
EPS Trend: 91.4%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
Tailwinds
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 (4.51b): 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 4.38b / 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 |
| 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 01, 2026, the stock is trading at USD 12.66 with a total of 103,479,720 shares traded. Over the past week, the price has changed by -7.05%, over one month by -12.99%, over three months by -5.24% and over the past year by -20.92%.
Current recommended Stop Loss: 11.90 (which is 6% 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 | 18.7 | 47.6% |
P/E Trailing = 18.5753
P/E Forward = 14.8148
P/S = 7.7593
P/B = 4.9657
P/EG = 0.6273
Revenue TTM = 19.4b USD
EBIT TTM = 4.38b USD
EBITDA TTM = 4.51b 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 = 74.3b USD (65.5b + Debt 42.1b - CCE 33.3b)
Interest Coverage Ratio = 0.80 (Ebit TTM 4.38b / Interest Expense TTM 5.48b)
EV/FCF = -17.63x (Enterprise Value 74.3b / FCF TTM -4.22b)
FCF Yield = -5.67% (FCF TTM -4.22b / Enterprise Value 74.3b)
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 = 0.90 (Enterprise Value 74.3b / 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 = 1.95 (Net Debt 8.82b / EBITDA 4.51b)
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 = 29.76% (EBIT 4.38b / Capital Employed (Equity 11.9b + L.T.Debt 2.81b))
RoIC = 4.42% (NOPAT 3.61b / Invested Capital 81.8b)
WACC = 10.76% (E(65.5b)/V(108b) * Re(10.78%) + D(42.1b)/V(108b) * Rd(13.02%) * (1-Tc(0.18)))
Discount Rate = 10.78% (= 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=+7.53% | Revisions=+57% | Analysts=9
EPS current Year (2026-12-31): EPS=0.85 | Chg30d=+1.31% | Revisions=+73% | GrowthEPS=+45.9% | GrowthRev=+44.7%
EPS next Year (2027-12-31): EPS=1.10 | Chg30d=+0.09% | Revisions=+70% | GrowthEPS=+29.2% | GrowthRev=+22.2%
[Analyst] Revisions Ratio: +86% (up=19, down=0)