(NU) Nu Holdings - Ratings and Ratios
Credit Card, Digital Account, Personal Loan, Crypto Trading, Insurance
NU EPS (Earnings per Share)
NU Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 38.4% |
| Value at Risk 5%th | 59.3% |
| Relative Tail Risk | -6.11% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.18 |
| Alpha | -16.51 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.561 |
| Beta | 1.250 |
| Beta Downside | 1.566 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.58% |
| Mean DD | 10.31% |
| Median DD | 7.36% |
Description: NU Nu Holdings September 26, 2025
Nu Holdings Ltd. (NYSE:NU) operates a digital-banking platform across Brazil, Mexico, Colombia, the Cayman Islands, and the United States, delivering a suite of spending, transactional, investment, borrowing, and protection products through its Nu app.
Core spending solutions include the Nu credit and prepaid card, the premium Ultraviolet metal card, and Nubank+ Tier, which layers additional benefits onto the base offering. Mobile-first payment capabilities enable instant transfers, bill payments, and everyday purchases, while Nu Shopping aggregates e-commerce merchants into an integrated marketplace.
Transactional services span Nu Personal Accounts for individuals and Nu Business accounts (including prepaid and credit cards) for entrepreneurs, providing a full-service digital ledger for everyday financial activity.
On the wealth side, the company offers Money Boxes for goal-based investing, a conflict-free investment advisory product, and NuCrypto, which lets users buy and sell major cryptocurrencies directly within the app.
Borrowing products cover unsecured and secured personal loans, Pix financing for free instant peer-to-peer transfers, Boleto financing for bill payments, purchase- and cash-in financing, and NuPay for online checkout.
Protection services comprise NuInsurance (life, mobile, auto, home, and financial protection) and ancillary offerings such as NuTravel and NuCel, a mobile-phone service.
Founded in 2013 and headquartered in São Paulo, Nubank has grown to over 80 million customers (≈ 70 % in Brazil) and reported FY 2023 revenue of $2.1 bn, driven primarily by credit-card fees and loan interest margins. The business benefits from Brazil’s high inflation environment, which fuels demand for alternative credit and savings products, and from the broader Latin-American shift toward fintech-enabled banking, where digital-only banks now capture roughly 15 % of new account openings.
Analysts should watch the company’s net interest margin trajectory, customer acquisition cost trends, and the regulatory outlook for open-banking APIs in Brazil, as these factors materially affect profitability and scalability.
For a deeper quantitative assessment, you may find ValueRay’s detailed financial model and scenario analysis useful.
NU Stock Overview
| Market Cap in USD | 76,689m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2021-12-09 |
| Return 12m vs S&P 500 | -9.14% |
| Analyst Rating | 3.70 of 5 |
NU Dividends
Currently no dividends paidNU Growth Ratios
| CAGR 3y | 54.76% |
| CAGR/Max DD Calmar Ratio | 1.38 |
| CAGR/Mean DD Pain Ratio | 5.31 |
| Current Volume | 82474.3k |
| Average Volume | 31258.6k |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.30b TTM) > 0 and > 6% of Revenue (6% = 752.0m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -4.18pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -41.73% (prev -2.37%; Δ -39.36pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 3.94b > Net Income 2.30b (YES >=105%, WARN >=100%) |
| Net Debt (-15.52b) to EBITDA (3.25b) ratio: -4.77 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.89 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (4.90b) change vs 12m ago 0.39% (target <= -2.0% for YES) |
| Gross Margin 43.57% (prev 50.36%; Δ -6.79pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 23.31% (prev 21.43%; Δ 1.88pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.92 (EBITDA TTM 3.25b / Interest Expense TTM 3.44b) >= 6 (WARN >= 3) |
Altman Z'' 0.18
| (A) -0.08 = (Total Current Assets 44.42b - Total Current Liabilities 49.65b) / Total Assets 62.73b |
| (B) 0.07 = Retained Earnings (Balance) 4.69b / Total Assets 62.73b |
| (C) 0.06 = EBIT TTM 3.17b / Avg Total Assets 53.77b |
| (D) 0.09 = Book Value of Equity 4.52b / Total Liabilities 53.15b |
| Total Rating: 0.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 90.04
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 7.52% = 3.76 |
| 3. FCF Margin 30.53% = 7.50 |
| 4. Debt/Equity 0.17 = 2.49 |
| 5. Debt/Ebitda -4.77 = 2.50 |
| 6. ROIC - WACC (= 14.79)% = 12.50 |
| 7. RoE 27.49% = 2.29 |
| 8. Rev. Trend 98.50% = 7.39 |
| 9. EPS Trend 52.25% = 2.61 |
What is the price of NU shares?
Over the past week, the price has changed by -0.32%, over one month by +6.10%, over three months by +31.72% and over the past year by +4.15%.
Is Nu Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NU is around 17.99 USD . This means that NU is currently undervalued and has a potential upside of +13.72% (Margin of Safety).
Is NU a buy, sell or hold?
- Strong Buy: 7
- Buy: 4
- Hold: 7
- Sell: 0
- Strong Sell: 2
What are the forecasts/targets for the NU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 17.5 | 10.4% |
| Analysts Target Price | 17.5 | 10.4% |
| ValueRay Target Price | 20.4 | 29% |
NU Fundamental Data Overview November 11, 2025
P/E Trailing = 33.766
P/E Forward = 18.6916
P/S = 13.111
P/B = 7.6814
Beta = 1.083
Revenue TTM = 12.53b USD
EBIT TTM = 3.17b USD
EBITDA TTM = 3.25b USD
Long Term Debt = 328.9m USD (from longTermDebt, last fiscal year)
Short Term Debt = 28.66b USD (from shortTermDebt, last quarter)
Debt = 1.64b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -15.52b USD (from netDebt column, last quarter)
Enterprise Value = 50.86b USD (76.69b + Debt 1.64b - CCE 27.47b)
Interest Coverage Ratio = 0.92 (Ebit TTM 3.17b / Interest Expense TTM 3.44b)
FCF Yield = 7.52% (FCF TTM 3.83b / Enterprise Value 50.86b)
FCF Margin = 30.53% (FCF TTM 3.83b / Revenue TTM 12.53b)
Net Margin = 18.35% (Net Income TTM 2.30b / Revenue TTM 12.53b)
Gross Margin = 43.57% ((Revenue TTM 12.53b - Cost of Revenue TTM 7.07b) / Revenue TTM)
Gross Margin QoQ = 42.31% (prev 40.58%)
Tobins Q-Ratio = 0.81 (Enterprise Value 50.86b / Total Assets 62.73b)
Interest Expense / Debt = 62.88% (Interest Expense 1.03b / Debt 1.64b)
Taxrate = 27.56% (242.4m / 879.4m)
NOPAT = 2.29b (EBIT 3.17b * (1 - 27.56%))
Current Ratio = 0.89 (Total Current Assets 44.42b / Total Current Liabilities 49.65b)
Debt / Equity = 0.17 (Debt 1.64b / totalStockholderEquity, last quarter 9.57b)
Debt / EBITDA = -4.77 (Net Debt -15.52b / EBITDA 3.25b)
Debt / FCF = -4.05 (Net Debt -15.52b / FCF TTM 3.83b)
Total Stockholder Equity = 8.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.67% (Net Income 2.30b / Total Assets 62.73b)
RoE = 27.49% (Net Income TTM 2.30b / Total Stockholder Equity 8.37b)
RoCE = 36.40% (EBIT 3.17b / Capital Employed (Equity 8.37b + L.T.Debt 328.9m))
RoIC = 25.18% (NOPAT 2.29b / Invested Capital 9.11b)
WACC = 10.40% (E(76.69b)/V(78.33b) * Re(10.62%) + (debt cost/tax rate unavailable))
Discount Rate = 10.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.22%
[DCF Debug] Terminal Value 67.80% ; FCFE base≈4.14b ; Y1≈3.81b ; Y5≈3.42b
Fair Price DCF = 10.88 (DCF Value 41.14b / Shares Outstanding 3.78b; 5y FCF grow -10.06% → 3.0% )
EPS Correlation: 52.25 | EPS CAGR: 117.8% | SUE: -4.0 | # QB: 0
Revenue Correlation: 98.50 | Revenue CAGR: 38.32% | SUE: -0.50 | # QB: 0
Additional Sources for NU Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle