(NU) Nu Holdings - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 72.277m USD | Total Return: 40.5% in 12m
Digital Banking, Credit Cards, Investments, Loans, Insurance
Total Rating 44
Safety 46
Buy Signal 0.41
Banks - Regional
Industry Rotation: +14.8
Industry Rotation: +14.8
Market Cap:
72.3B
Avg Turnover: 766M USD
Avg Turnover: 766M USD
ATR:
4.05%
Peers RS (IBD): 8.3
Peers RS (IBD): 8.3
Risk 5d forecast
Volatility43.2%
Rel. Tail Risk-7.64%
Reward TTM
Sharpe Ratio0.91
Alpha-11.70
Character TTM
Beta1.683
Beta Downside1.465
Drawdowns 3y
Max DD39.58%
CAGR/Max DD1.21
EPS (Earnings per Share)
EPS CAGR: 134.74%
EPS Trend: 98.5%
EPS Trend: 98.5%
Last SUE: -1.08
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 59.31%
Rev. Trend: 97.4%
Rev. Trend: 97.4%
Last SUE: 0.81
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: NU Nu Holdings
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.
- 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)
5.0
| Net Income: 2.87b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.13 > 1.0 |
| NWC/Revenue: -154.2% < 20% (prev 70.34%; Δ -224.5% < -1%) |
| CFO/TA 0.05 > 3% & CFO 3.50b > Net Income 2.87b |
| Net Debt (-9.79b) to EBITDA (3.97b): -2.47 < 3 |
| Current Ratio: 0.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.91b) vs 12m ago 0.38% < -2% |
| Gross Margin: 44.61% > 18% (prev 0.46%; Δ 4.41k% > 0.5%) |
| Asset Turnover: 25.33% > 50% (prev 22.50%; Δ 2.83% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBITDA TTM 3.97b / Interest Expense TTM 4.58b) |
Altman Z''
-1.34
| A: -0.33 (Total Current Assets 35.44b - Total Current Liabilities 59.81b) / Total Assets 74.89b |
| B: 0.09 (Retained Earnings 6.41b / Total Assets 74.89b) |
| C: 0.06 (EBIT TTM 3.87b / Avg Total Assets 62.41b) |
| D: 0.10 (Book Value of Equity 6.23b / Total Liabilities 63.57b) |
| Altman-Z'' Score: -1.34 = CCC |
Beneish M
-2.83
| DSRI: 1.12 (Receivables 19.27b/12.26b, Revenue 15.81b/11.24b) |
| GMI: 1.03 (GM 44.61% / 45.91%) |
| AQI: 0.65 (AQ_t 0.53 / AQ_t-1 0.82) |
| SGI: 1.41 (Revenue 15.81b / 11.24b) |
| TATA: -0.01 (NI 2.87b - CFO 3.50b) / TA 74.89b) |
| Beneish M-Score: -2.83 (Cap -4..+1) = A |
What is the price of NU shares?
As of April 13, 2026, the stock is trading at USD 14.96 with a total of 30,136,865 shares traded.
Over the past week, the price has changed by +4.91%, over one month by +7.09%, over three months by -12.21% and over the past year by +40.47%.
Over the past week, the price has changed by +4.91%, over one month by +7.09%, over three months by -12.21% and over the past year by +40.47%.
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?
| Analysts Target Price | 20 | 34% |
Nu Holdings (NU) - Fundamental Data Overview
as of 11 April 2026
P/E Trailing = 25.6379 P/E Forward = 17.762
P/S = 10.3383
P/B = 6.0852
Revenue TTM = 15.81b USD
EBIT TTM = 3.87b USD
EBITDA TTM = 3.97b USD
Long Term Debt = 1.22b USD (from longTermDebt, two quarters ago)
Short Term Debt = 2.53b USD (from shortTermDebt, last quarter)
Debt = 5.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -9.79b USD (from netDebt column, last quarter)
Enterprise Value = 61.34b USD (72.28b + Debt 5.21b - CCE 16.14b)
Interest Coverage Ratio = 0.85 (Ebit TTM 3.87b / Interest Expense TTM 4.58b)
EV/FCF = 17.56x (Enterprise Value 61.34b / FCF TTM 3.49b)
FCF Yield = 5.69% (FCF TTM 3.49b / Enterprise Value 61.34b)
FCF Margin = 22.10% (FCF TTM 3.49b / Revenue TTM 15.81b)
Net Margin = 18.15% (Net Income TTM 2.87b / Revenue TTM 15.81b)
Gross Margin = 44.61% ((Revenue TTM 15.81b - Cost of Revenue TTM 8.76b) / Revenue TTM)
Gross Margin QoQ = 44.33% (prev 46.65%)
Tobins Q-Ratio = 0.82 (Enterprise Value 61.34b / Total Assets 74.89b)
Interest Expense / Debt = 26.42% (Interest Expense 1.38b / Debt 5.21b)
Taxrate = 16.91% (182.9m / 1.08b)
NOPAT = 3.22b (EBIT 3.87b * (1 - 16.91%))
Current Ratio = 0.59 (Total Current Assets 35.44b / Total Current Liabilities 59.81b)
Debt / Equity = 0.46 (Debt 5.21b / totalStockholderEquity, last quarter 11.29b)
Debt / EBITDA = -2.47 (Net Debt -9.79b / EBITDA 3.97b)
Debt / FCF = -2.80 (Net Debt -9.79b / FCF TTM 3.49b)
Total Stockholder Equity = 10.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.60% (Net Income 2.87b / Total Assets 74.89b)
RoE = 28.67% (Net Income TTM 2.87b / Total Stockholder Equity 10.01b)
RoCE = 34.48% (EBIT 3.87b / Capital Employed (Equity 10.01b + L.T.Debt 1.22b))
RoIC = 31.47% (NOPAT 3.22b / Invested Capital 10.22b)
WACC = 12.58% (E(72.28b)/V(77.49b) * Re(11.90%) + D(5.21b)/V(77.49b) * Rd(26.42%) * (1-Tc(0.17)))
Discount Rate = 11.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.30%
[DCF] Terminal Value 61.69% ; FCFF base≈3.05b ; Y1≈2.81b ; Y5≈2.52b
[DCF] Fair Price = 8.89 (EV 24.32b - Net Debt -9.79b = Equity 34.11b / Shares 3.84b; r=12.58% [WACC]; 5y FCF grow -10.06% → 3.0% )
EPS Correlation: 98.47 | EPS CAGR: 134.7% | SUE: -1.08 | # QB: 0
Revenue Correlation: 97.36 | Revenue CAGR: 59.31% | SUE: 0.81 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.20 | Chg7d=-0.001 | Chg30d=-0.000 | Revisions Net=+1 | Analysts=7
EPS current Year (2026-12-31): EPS=0.84 | Chg7d=-0.012 | Chg30d=-0.012 | Revisions Net=+2 | Growth EPS=+42.9% | Growth Revenue=+35.0%
EPS next Year (2027-12-31): EPS=1.11 | Chg7d=-0.015 | Chg30d=-0.009 | Revisions Net=+3 | Growth EPS=+32.6% | Growth Revenue=+21.1%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.0% (Discount Rate 11.9% - Earnings Yield 3.9%)
[Growth] Growth Spread = +33.9% (Analyst 41.9% - Implied 8.0%)
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