(NU) Nu Holdings - Overview
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: KYG6683N1034
Stock: Digital Banking, Credit Cards, Investments, Loans, Insurance
Total Rating 38
Risk 71
Buy Signal -0.36
| Risk 5d forecast | |
|---|---|
| Volatility | 46.9% |
| Relative Tail Risk | -7.45% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.52 |
| Alpha | -6.95 |
| Character TTM | |
|---|---|
| Beta | 1.745 |
| Beta Downside | 1.469 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.58% |
| CAGR/Max DD | 1.26 |
EPS (Earnings per Share)
Revenue
Description: NU Nu Holdings March 04, 2026
Nu Holdings Ltd. operates a digital banking platform across Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
The company offers a range of financial products. These include spending solutions like credit and prepaid cards, mobile payment options, and an integrated e-commerce marketplace. Digital banks typically have lower overhead costs compared to traditional banks due to their lack of physical branches.
Transactional services include personal and business digital accounts and associated payment cards. The business model emphasizes a mobile-first approach, catering to a growing digital native population in its operating regions.
Nu Holdings also provides savings and investment solutions, including goal-based investing and cryptocurrency trading. Additionally, it offers various borrowing solutions, such as personal loans and financing options for digital payments.
Protection solutions encompass insurance products, including life, mobile, auto, home, and financial protection. Beyond core financial services, the company provides travel and mobile phone services. Further research on ValueRay can provide more detailed financial metrics for Nu Holdings.
Headlines to watch out for
- Brazilian interest rate changes impact loan profitability
- Customer acquisition cost affects margin expansion
- Regulatory scrutiny on digital banking intensifies
- Latin American economic growth drives demand
- Competition from traditional banks pressures market share
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 2.87b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 1.72 > 1.0 |
| NWC/Revenue: -161.1% < 20% (prev 70.34%; Δ -231.5% < -1%) |
| CFO/TA 0.07 > 3% & CFO 5.17b > Net Income 2.87b |
| Net Debt (27.03b) to EBITDA (3.94b): 6.86 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.92b) vs 12m ago 0.57% < -2% |
| Gross Margin: 42.95% > 18% (prev 0.46%; Δ 4.25k% > 0.5%) |
| Asset Turnover: 24.64% > 50% (prev 22.50%; Δ 2.14% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBITDA TTM 3.94b / Interest Expense TTM 4.58b) |
Altman Z'' -1.49
| A: -0.33 (Total Current Assets 10.74b - Total Current Liabilities 35.54b) / Total Assets 75.02b |
| B: 0.09 (Retained Earnings 6.41b / Total Assets 75.02b) |
| C: 0.04 (EBIT TTM 2.79b / Avg Total Assets 62.48b) |
| D: 0.10 (Book Value of Equity 6.23b / Total Liabilities 63.70b) |
| Altman-Z'' Score: -1.49 = CCC |
Beneish M
| DSRI: none (Receivables none/12.26b, Revenue 15.40b/11.24b) |
| GMI: 1.07 (GM 42.95% / 45.91%) |
| AQI: 1.05 (AQ_t 0.86 / AQ_t-1 0.82) |
| SGI: 1.37 (Revenue 15.40b / 11.24b) |
| TATA: -0.03 (NI 2.87b - CFO 5.17b) / TA 75.02b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of NU shares?
As of March 20, 2026, the stock is trading at USD 14.16 with a total of 58,333,829 shares traded.
Over the past week, the price has changed by +1.36%, over one month by -18.24%, over three months by -13.34% and over the past year by +18.49%.
Over the past week, the price has changed by +1.36%, over one month by -18.24%, over three months by -13.34% and over the past year by +18.49%.
Is NU a buy, sell or hold?
Nu Holdings has received a consensus analysts rating of 3.70.
Therefor, it is recommend to hold NU.
- 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 | 20.2 | 42.4% |
| Analysts Target Price | 20.2 | 42.4% |
NU Fundamental Data Overview March 20, 2026
P/E Trailing = 24.0862
P/E Forward = 17.762
P/S = 9.7028
P/B = 6.0078
Revenue TTM = 15.40b USD
EBIT TTM = 2.79b USD
EBITDA TTM = 3.94b USD
Long Term Debt = 1.22b USD (from longTermDebt, two quarters ago)
Short Term Debt = 35.54b USD (from shortTermDebt, last quarter)
Debt = 37.76b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 27.03b USD (from netDebt column, last quarter)
Enterprise Value = 94.86b USD (67.83b + Debt 37.76b - CCE 10.74b)
Interest Coverage Ratio = 0.61 (Ebit TTM 2.79b / Interest Expense TTM 4.58b)
EV/FCF = 19.41x (Enterprise Value 94.86b / FCF TTM 4.89b)
FCF Yield = 5.15% (FCF TTM 4.89b / Enterprise Value 94.86b)
FCF Margin = 31.75% (FCF TTM 4.89b / Revenue TTM 15.40b)
Net Margin = 18.64% (Net Income TTM 2.87b / Revenue TTM 15.40b)
Gross Margin = 42.95% ((Revenue TTM 15.40b - Cost of Revenue TTM 8.78b) / Revenue TTM)
Gross Margin QoQ = 44.33% (prev 43.74%)
Tobins Q-Ratio = 1.26 (Enterprise Value 94.86b / Total Assets 75.02b)
Interest Expense / Debt = 3.65% (Interest Expense 1.38b / Debt 37.76b)
Taxrate = 16.97% (182.9m / 1.08b)
NOPAT = 2.32b (EBIT 2.79b * (1 - 16.97%))
Current Ratio = 0.30 (Total Current Assets 10.74b / Total Current Liabilities 35.54b)
Debt / Equity = 3.34 (Debt 37.76b / totalStockholderEquity, last quarter 11.29b)
Debt / EBITDA = 6.86 (Net Debt 27.03b / EBITDA 3.94b)
Debt / FCF = 5.53 (Net Debt 27.03b / FCF TTM 4.89b)
Total Stockholder Equity = 10.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.59% (Net Income 2.87b / Total Assets 75.02b)
RoE = 28.67% (Net Income TTM 2.87b / Total Stockholder Equity 10.01b)
RoCE = 24.85% (EBIT 2.79b / Capital Employed (Equity 10.01b + L.T.Debt 1.22b))
RoIC = 22.66% (NOPAT 2.32b / Invested Capital 10.22b)
WACC = 9.01% (E(67.83b)/V(105.60b) * Re(12.34%) + D(37.76b)/V(105.60b) * Rd(3.65%) * (1-Tc(0.17)))
Discount Rate = 12.34% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.40%
[DCF] Terminal Value 73.03% ; FCFF base≈3.89b ; Y1≈3.58b ; Y5≈3.21b
[DCF] Fair Price = 5.48 (EV 48.03b - Net Debt 27.03b = Equity 21.00b / Shares 3.83b; r=9.01% [WACC]; 5y FCF grow -10.06% → 2.90% )
EPS Correlation: 98.53 | EPS CAGR: 134.7% | SUE: -1.41 | # QB: 0
Revenue Correlation: 97.09 | Revenue CAGR: 59.31% | SUE: 0.90 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.20 | Chg7d=-0.001 | Chg30d=-0.000 | Revisions Net=+2 | Analysts=7
EPS current Year (2026-12-31): EPS=0.84 | Chg7d=-0.004 | Chg30d=+0.003 | Revisions Net=+3 | Growth EPS=+44.1% | Growth Revenue=+36.4%
EPS next Year (2027-12-31): EPS=1.11 | Chg7d=-0.005 | Chg30d=+0.004 | Revisions Net=+3 | Growth EPS=+32.1% | Growth Revenue=+20.3%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.2% (Discount Rate 12.3% - Earnings Yield 4.2%)
[Growth] Growth Spread = +33.7% (Analyst 41.9% - Implied 8.2%)
P/E Forward = 17.762
P/S = 9.7028
P/B = 6.0078
Revenue TTM = 15.40b USD
EBIT TTM = 2.79b USD
EBITDA TTM = 3.94b USD
Long Term Debt = 1.22b USD (from longTermDebt, two quarters ago)
Short Term Debt = 35.54b USD (from shortTermDebt, last quarter)
Debt = 37.76b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 27.03b USD (from netDebt column, last quarter)
Enterprise Value = 94.86b USD (67.83b + Debt 37.76b - CCE 10.74b)
Interest Coverage Ratio = 0.61 (Ebit TTM 2.79b / Interest Expense TTM 4.58b)
EV/FCF = 19.41x (Enterprise Value 94.86b / FCF TTM 4.89b)
FCF Yield = 5.15% (FCF TTM 4.89b / Enterprise Value 94.86b)
FCF Margin = 31.75% (FCF TTM 4.89b / Revenue TTM 15.40b)
Net Margin = 18.64% (Net Income TTM 2.87b / Revenue TTM 15.40b)
Gross Margin = 42.95% ((Revenue TTM 15.40b - Cost of Revenue TTM 8.78b) / Revenue TTM)
Gross Margin QoQ = 44.33% (prev 43.74%)
Tobins Q-Ratio = 1.26 (Enterprise Value 94.86b / Total Assets 75.02b)
Interest Expense / Debt = 3.65% (Interest Expense 1.38b / Debt 37.76b)
Taxrate = 16.97% (182.9m / 1.08b)
NOPAT = 2.32b (EBIT 2.79b * (1 - 16.97%))
Current Ratio = 0.30 (Total Current Assets 10.74b / Total Current Liabilities 35.54b)
Debt / Equity = 3.34 (Debt 37.76b / totalStockholderEquity, last quarter 11.29b)
Debt / EBITDA = 6.86 (Net Debt 27.03b / EBITDA 3.94b)
Debt / FCF = 5.53 (Net Debt 27.03b / FCF TTM 4.89b)
Total Stockholder Equity = 10.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.59% (Net Income 2.87b / Total Assets 75.02b)
RoE = 28.67% (Net Income TTM 2.87b / Total Stockholder Equity 10.01b)
RoCE = 24.85% (EBIT 2.79b / Capital Employed (Equity 10.01b + L.T.Debt 1.22b))
RoIC = 22.66% (NOPAT 2.32b / Invested Capital 10.22b)
WACC = 9.01% (E(67.83b)/V(105.60b) * Re(12.34%) + D(37.76b)/V(105.60b) * Rd(3.65%) * (1-Tc(0.17)))
Discount Rate = 12.34% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.40%
[DCF] Terminal Value 73.03% ; FCFF base≈3.89b ; Y1≈3.58b ; Y5≈3.21b
[DCF] Fair Price = 5.48 (EV 48.03b - Net Debt 27.03b = Equity 21.00b / Shares 3.83b; r=9.01% [WACC]; 5y FCF grow -10.06% → 2.90% )
EPS Correlation: 98.53 | EPS CAGR: 134.7% | SUE: -1.41 | # QB: 0
Revenue Correlation: 97.09 | Revenue CAGR: 59.31% | SUE: 0.90 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.20 | Chg7d=-0.001 | Chg30d=-0.000 | Revisions Net=+2 | Analysts=7
EPS current Year (2026-12-31): EPS=0.84 | Chg7d=-0.004 | Chg30d=+0.003 | Revisions Net=+3 | Growth EPS=+44.1% | Growth Revenue=+36.4%
EPS next Year (2027-12-31): EPS=1.11 | Chg7d=-0.005 | Chg30d=+0.004 | Revisions Net=+3 | Growth EPS=+32.1% | Growth Revenue=+20.3%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.2% (Discount Rate 12.3% - Earnings Yield 4.2%)
[Growth] Growth Spread = +33.7% (Analyst 41.9% - Implied 8.2%)