NU Stock Analysis: Nu Holdings | NYSE
Banks - Regional | NYSE, USA | Market Cap: 68.644m USD | 12M Return: 6.5% | KYG6683N1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 871M
EPS Trend: 91.4%
Qual. Beats: 1
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 4.6 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: 3.61b 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 (32.2b) to EBITDA (4.48b): 7.19 < 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 |
As of August 27, 2026, the stock is trading at USD 15.17 with a total of 45,069,841 shares traded. Over the past week, the price has changed by +3.83%, over one month by +4.40%, over three months by +16.87% and over the past year by +6.53%.
Current recommended Stop Loss: 13.50 (which is 11% or 2.6 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 | 18.6 | 22.8% |
P/E Trailing = 19.4658
P/E Forward = 20.284
P/S = 8.1312
P/B = 5.3267
P/EG = 0.8598
Revenue TTM = 19.4b USD
EBIT TTM = 4.38b USD
EBITDA TTM = 4.48b USD
Long Term Debt = 269.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 39.5b USD (from shortTermDebt, last quarter)
Debt = 42.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 49.4m
Net Debt = 32.2b USD (calculated: Debt 42.1b - CCE 9.84b)
Enterprise Value = 101b USD (68.6b + Debt 42.1b - CCE 9.84b)
Interest Coverage Ratio = 0.80 (Ebit TTM 4.38b / Interest Expense TTM 5.48b)
EV/FCF = -23.93x (Enterprise Value 101b / FCF TTM -4.22b)
FCF Yield = -4.18% (FCF TTM -4.22b / Enterprise Value 101b)
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 = 1.22 (Enterprise Value 101b / 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 = 7.19 (Net Debt 32.2b / EBITDA 4.48b)
Debt / FCF = -7.64 (negative FCF - burning cash) (Net Debt 32.2b / 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 = 35.97% (EBIT 4.38b / Capital Employed (Equity 11.9b + L.T.Debt 269.8m))
RoIC = 4.42% (NOPAT 3.61b / Invested Capital 81.8b)
WACC = 10.71% (E(68.6b)/V(111b) * Re(10.70%) + D(42.1b)/V(111b) * 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=+3.94% | Revisions=-17% | Analysts=9
EPS current Year (2026-12-31): EPS=0.84 | Chg30d=+2.60% | Revisions=+29% | GrowthEPS=+43.8% | GrowthRev=+44.5%
EPS next Year (2027-12-31): EPS=1.10 | Chg30d=+2.77% | Revisions=+0% | GrowthEPS=+30.6% | GrowthRev=+20.3%
[Analyst] Revisions Ratio: +7% (up=6, down=5)