(NU) Nu Holdings - Ratings and Ratios
Digital Banking, Credit Card, Prepaid Card, Mobile Payment, Investment
NU EPS (Earnings per Share)
NU Revenue
Description: NU Nu Holdings
Nu Holdings Ltd (NYSE:NU) is a digital banking platform operating in multiple countries, including Brazil, Mexico, Colombia, and the United States. The company provides a range of financial services and products, including credit and prepaid cards, mobile payment solutions, digital accounts, savings and investing solutions, borrowing solutions, and protection services. Its diverse product offering is designed to cater to the needs of both personal and business customers.
From a business perspective, Nu Holdings has demonstrated significant growth and potential in the digital banking space. Key performance indicators (KPIs) that can be used to evaluate the companys performance include customer acquisition rates, revenue growth, and the expansion of its product offerings. Notably, the companys ability to offer a range of services under one platform can be seen as a key strength, potentially leading to increased customer loyalty and retention. Additionally, its focus on digital banking positions it well for growth in a rapidly evolving financial services landscape.
Some key metrics that can be used to evaluate Nu Holdings financial performance include its return on equity (RoE) of 27.91%, indicating a strong ability to generate profits from shareholder equity. The companys price-to-earnings (P/E) ratio of 29.83 and forward P/E of 24.27 suggest that it is trading at a premium to its earnings, potentially reflecting market expectations of future growth. With a market capitalization of $63.9 billion, Nu Holdings is a significant player in the digital banking space.
Nu Holdings diversified product offerings and expanding customer base are key drivers of its growth. The companys NuAccount, NuCredit, and NuShopping services, among others, provide a comprehensive suite of financial solutions to its customers. As the digital banking landscape continues to evolve, Nu Holdings ability to innovate and adapt will be crucial to its ongoing success.
NU Stock Overview
| Market Cap in USD | 68,813m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2021-12-09 |
NU Stock Ratings
| Growth Rating | 21.8% |
| Fundamental | 82.3% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -11.1% |
| Analyst Rating | 3.70 of 5 |
NU Dividends
Currently no dividends paidNU Growth Ratios
| Growth Correlation 3m | 43.4% |
| Growth Correlation 12m | -29.3% |
| Growth Correlation 5y | 79.7% |
| CAGR 5y | 10.20% |
| CAGR/Max DD 5y | 0.14 |
| Sharpe Ratio 12m | 0.74 |
| Alpha | -19.05 |
| Beta | 1.436 |
| Volatility | 42.91% |
| Current Volume | 37348.5k |
| Average Volume 20d | 50414.5k |
| Stop Loss | 14.1 (-4.7%) |
| Signal | 0.85 |
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) 82.29
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 5.21% = 2.60 |
| 3. FCF Margin 30.53% = 7.50 |
| 4. Debt/Equity 3.36 = -1.29 |
| 5. Debt/Ebitda 9.90 = -2.50 |
| 6. ROIC - WACC 16.10% = 12.50 |
| 7. RoE 27.49% = 2.29 |
| 8. Rev. Trend 98.50% = 4.93 |
| 9. Rev. CAGR 38.32% = 2.50 |
| 10. EPS Trend 90.47% = 2.26 |
| 11. EPS CAGR 392.2% = 2.50 |
What is the price of NU shares?
Over the past week, the price has changed by +6.17%, over one month by +17.18%, over three months by +23.44% and over the past year by +4.01%.
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 13.86 USD . This means that NU is currently overvalued and has a potential downside of -6.35%.
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 | 16.8 | 13.2% |
| Analysts Target Price | 16.8 | 13.2% |
| ValueRay Target Price | 15.4 | 4.3% |
Last update: 2025-08-28 02:51
NU Fundamental Data Overview
CCE Cash And Equivalents = 27.47b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 30.2979
P/E Forward = 23.4192
P/S = 11.7643
P/B = 7.1818
Beta = 1.059
Revenue TTM = 12.53b USD
EBIT TTM = 3.17b USD
EBITDA TTM = 3.25b USD
Long Term Debt = 3.51b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 28.66b USD (from shortTermDebt, last quarter)
Debt = 32.17b USD (Calculated: Short Term 28.66b + Long Term 3.51b)
Net Debt = -15.52b USD (from netDebt column, last quarter)
Enterprise Value = 73.51b USD (68.81b + Debt 32.17b - CCE 27.47b)
Interest Coverage Ratio = 0.92 (Ebit TTM 3.17b / Interest Expense TTM 3.44b)
FCF Yield = 5.21% (FCF TTM 3.83b / Enterprise Value 73.51b)
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)
Tobins Q-Ratio = 16.27 (Enterprise Value 73.51b / Book Value Of Equity 4.52b)
Interest Expense / Debt = 3.20% (Interest Expense 1.03b / Debt 32.17b)
Taxrate = 29.45% (from yearly Income Tax Expense: 823.1m / 2.80b)
NOPAT = 2.23b (EBIT 3.17b * (1 - 29.45%))
Current Ratio = 0.89 (Total Current Assets 44.42b / Total Current Liabilities 49.65b)
Debt / Equity = 3.36 (Debt 32.17b / last Quarter total Stockholder Equity 9.57b)
Debt / EBITDA = 9.90 (Net Debt -15.52b / EBITDA 3.25b)
Debt / FCF = 8.41 (Debt 32.17b / FCF TTM 3.83b)
Total Stockholder Equity = 8.37b (last 4 quarters mean)
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 = 26.66% (Ebit 3.17b / (Equity 8.37b + L.T.Debt 3.51b))
RoIC = 24.53% (NOPAT 2.23b / Invested Capital 9.11b)
WACC = 8.43% (E(68.81b)/V(100.98b) * Re(11.31%)) + (D(32.17b)/V(100.98b) * Rd(3.20%) * (1-Tc(0.29)))
Shares Correlation 5-Years: 90.0 | Cagr: 32.24%
Discount Rate = 11.31% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.56% ; FCFE base≈4.14b ; Y1≈3.81b ; Y5≈3.42b
Fair Price DCF = 10.00 (DCF Value 37.81b / Shares Outstanding 3.78b; 5y FCF grow -10.06% → 3.0% )
Revenue Correlation: 98.50 | Revenue CAGR: 38.32%
Rev Growth-of-Growth: -9.06
EPS Correlation: 90.47 | EPS CAGR: 392.2%
EPS Growth-of-Growth: -101.5
Additional Sources for NU Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle