NU Stock Analysis: Nu Holdings | NYSE
Banks - Regional | NYSE, USA | Market Cap: 60.820m USD | 12M Return: -1.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 685M
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
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
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 02, 2026, the stock is trading at USD 13.36 with a total of 40,902,472 shares traded. Over the past week, the price has changed by +7.46%, over one month by +3.08%, over three months by -7.27% and over the past year by -1.83%.
Current recommended Stop Loss: 12.70 (which is 4.9% 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 | 17.9 | 33.7% |
P/E Trailing = 19.2462
P/E Forward = 17.301
P/S = 8.009
P/B = 4.812
P/EG = 0.7333
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 = 33.7b USD (60.8b + Debt 3.22b - CCE 30.3b)
Interest Coverage Ratio = 0.81 (Ebit TTM 4.03b / Interest Expense TTM 4.95b)
EV/FCF = 28.07x (Enterprise Value 33.7b / FCF TTM 1.20b)
FCF Yield = 3.56% (FCF TTM 1.20b / Enterprise Value 33.7b)
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 = 0.44 (Enterprise Value 33.7b / 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(60.8b)/V(64.0b) * Re(11.74%) + (debt cost/tax rate unavailable))
Discount Rate = 11.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 3.84%
[DCF] Terminal Value 63.41% ; 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 (2026-09-30): EPS=0.21 | Chg30d=-1.15% | Revisions=+9% | Analysts=8
EPS current Year (2026-12-31): EPS=0.82 | Chg30d=-2.18% | Revisions=-8% | GrowthEPS=+39.7% | GrowthRev=+41.7%
EPS next Year (2027-12-31): EPS=1.08 | Chg30d=-2.24% | Revisions=+8% | GrowthEPS=+32.3% | GrowthRev=+21.1%
[Analyst] Revisions Ratio: +9%