(NU) Nu Holdings - Overview
Stock: Credit Card, Digital Account, Personal Loan, Investment, Insurance
| Risk 5d forecast | |
|---|---|
| Volatility | 40.2% |
| Relative Tail Risk | -7.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.75 |
| Alpha | 14.49 |
| Character TTM | |
|---|---|
| Beta | 1.180 |
| Beta Downside | 1.335 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.58% |
| CAGR/Max DD | 1.34 |
EPS (Earnings per Share)
Revenue
Description: NU Nu Holdings January 29, 2026
Nu Holdings Ltd. (NYSE:NU) operates a fully digital banking platform across Brazil, Mexico, Colombia, the Cayman Islands and the United States, offering a suite that spans credit and prepaid cards (Nu, Ultraviolet), mobile-first payments, personal and business accounts, goal-based investing (Money Boxes), crypto trading (NuCrypto), a range of unsecured and secured loans, and ancillary services such as insurance, travel and mobile-phone plans. The model is built around a single app that integrates spending, saving, borrowing and ancillary products, allowing cross-sell opportunities and high-frequency user engagement.
In its most recent quarter (Q4 2023), Nu reported net revenue of $1.1 billion, up 35 % year-over-year, and a net profit of $210 million, driven by a 23 % increase in active customers to 77 million and a contribution margin of roughly 45 %. The company’s loan book grew 28 % YoY to $12.5 billion, while its Money Boxes assets under management rose to $4.2 billion, reflecting strong demand for low-cost, goal-based investing in a high-inflation environment.
Key macro drivers include Brazil’s Selic rate, which remained at 10.75 % through December 2023, supporting higher net interest margins, and a rapid rise in digital-banking penetration-estimated at 30 % of the adult population-fueling customer acquisition. The broader Latin-American fintech sector is benefitting from under-banked populations and regulatory support for open-banking APIs, which could accelerate Nu’s expansion in Mexico and Colombia.
For a deeper quantitative breakdown, see the ValueRay analysis of NU.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 2.53b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -8.33 > 1.0 |
| NWC/Revenue: -45.11% < 20% (prev -4.19%; Δ -40.92% < -1%) |
| CFO/TA 0.06 > 3% & CFO 4.04b > Net Income 2.53b |
| Net Debt (-14.20b) to EBITDA (3.65b): -3.89 < 3 |
| Current Ratio: 0.88 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.91b) vs 12m ago 0.32% < -2% |
| Gross Margin: 43.05% > 18% (prev 0.51%; Δ 4254 % > 0.5%) |
| Asset Turnover: 23.39% > 50% (prev 21.44%; Δ 1.94% > 0%) |
| Interest Coverage Ratio: 0.90 > 6 (EBITDA TTM 3.65b / Interest Expense TTM 3.95b) |
Altman Z'' 0.18
| A: -0.09 (Total Current Assets 47.26b - Total Current Liabilities 53.43b) / Total Assets 68.36b |
| B: 0.08 (Retained Earnings 5.49b / Total Assets 68.36b) |
| C: 0.06 (EBIT TTM 3.56b / Avg Total Assets 58.50b) |
| D: 0.10 (Book Value of Equity 5.49b / Total Liabilities 57.81b) |
| Altman-Z'' Score: 0.18 = B |
Beneish M -2.45
| DSRI: 1.02 (Receivables 18.52b/13.83b, Revenue 13.68b/10.43b) |
| GMI: 1.18 (GM 43.05% / 50.74%) |
| AQI: 1.34 (AQ_t 0.31 / AQ_t-1 0.23) |
| SGI: 1.31 (Revenue 13.68b / 10.43b) |
| TATA: -0.02 (NI 2.53b - CFO 4.04b) / TA 68.36b) |
| Beneish M-Score: -2.45 (Cap -4..+1) = BBB |
What is the price of NU shares?
Over the past week, the price has changed by +4.22%, over one month by -2.61%, over three months by +10.11% and over the past year by +59.07%.
Is NU a buy, sell or hold?
- StrongBuy: 7
- Buy: 4
- Hold: 7
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the NU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 20 | 14% |
| Analysts Target Price | 20 | 14% |
NU Fundamental Data Overview February 21, 2026
P/E Forward = 20.9644
P/S = 13.1944
P/B = 7.7239
Revenue TTM = 13.68b USD
EBIT TTM = 3.56b USD
EBITDA TTM = 3.65b USD
Long Term Debt = 1.22b USD (from longTermDebt, last quarter)
Short Term Debt = 1.87b USD (from shortTermDebt, last quarter)
Debt = 3.12b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -14.20b USD (from netDebt column, last quarter)
Enterprise Value = 58.50b USD (83.93b + Debt 3.12b - CCE 28.54b)
Interest Coverage Ratio = 0.90 (Ebit TTM 3.56b / Interest Expense TTM 3.95b)
EV/FCF = 15.25x (Enterprise Value 58.50b / FCF TTM 3.84b)
FCF Yield = 6.56% (FCF TTM 3.84b / Enterprise Value 58.50b)
FCF Margin = 28.03% (FCF TTM 3.84b / Revenue TTM 13.68b)
Net Margin = 18.49% (Net Income TTM 2.53b / Revenue TTM 13.68b)
Gross Margin = 43.05% ((Revenue TTM 13.68b - Cost of Revenue TTM 7.79b) / Revenue TTM)
Gross Margin QoQ = 43.74% (prev 42.31%)
Tobins Q-Ratio = 0.86 (Enterprise Value 58.50b / Total Assets 68.36b)
Interest Expense / Debt = 40.91% (Interest Expense 1.28b / Debt 3.12b)
Taxrate = 29.89% (333.6m / 1.12b)
NOPAT = 2.49b (EBIT 3.56b * (1 - 29.89%))
Current Ratio = 0.88 (Total Current Assets 47.26b / Total Current Liabilities 53.43b)
Debt / Equity = 0.30 (Debt 3.12b / totalStockholderEquity, last quarter 10.55b)
Debt / EBITDA = -3.89 (Net Debt -14.20b / EBITDA 3.65b)
Debt / FCF = -3.70 (Net Debt -14.20b / FCF TTM 3.84b)
Total Stockholder Equity = 9.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.32% (Net Income 2.53b / Total Assets 68.36b)
RoE = 27.81% (Net Income TTM 2.53b / Total Stockholder Equity 9.10b)
RoCE = 34.48% (EBIT 3.56b / Capital Employed (Equity 9.10b + L.T.Debt 1.22b))
RoIC = 25.67% (NOPAT 2.49b / Invested Capital 9.72b)
WACC = 10.92% (E(83.93b)/V(87.04b) * Re(10.26%) + D(3.12b)/V(87.04b) * Rd(40.91%) * (1-Tc(0.30)))
Discount Rate = 10.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.28%
[DCF Debug] Terminal Value 61.65% ; FCFF base≈5.01b ; Y1≈3.73b ; Y5≈2.19b
Fair Price DCF = 10.83 (EV 27.20b - Net Debt -14.20b = Equity 41.40b / Shares 3.82b; r=10.92% [WACC]; 5y FCF grow -30.17% → 2.90% )
EPS Correlation: 70.77 | EPS CAGR: 25.35% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.23 | Revenue CAGR: 67.30% | SUE: -0.14 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.19 | Chg30d=+0.000 | Revisions Net=+3 | Analysts=5
EPS next Year (2026-12-31): EPS=0.84 | Chg30d=-0.001 | Revisions Net=+1 | Growth EPS=+42.6% | Growth Revenue=+31.7%