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Nu Holdings Ltd.
NU: NYSELowest reading is at 18 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. David Velez-Osomo
Market Cap
65.65 Billion USD
Sector
Financial Services
Website
https://nubank.com.brLast Update
27/09/2026, 17:14:52
Description
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
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Strongest readings
- ✔Debt is low at 0.15 times equity
- ✔Financial health is strong (health score 77 out of 100)
- ✔Cashflow and earnings growth is strong (growth score 63 out of 100)
Weakest readings
- ✘Income is not covering expenditure and investment (free cashflow -0.44 per share)
- ✘Priced well above the cashflow it produces (value score 18 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -74.39%)
- ✘Share count has been rising at 0.17% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings (TTM) | N/A | 19.60x | ||
| ✘ | Margin of safety (DCF) | -74.39% | 17.95% | |
| ✘ | Revenue growth (5y average) | 10.76% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.00% | 1.85% | |
| ✘ | Share count, per year | 0.17% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
18 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Price / earnings | N/A | 19.60x | ||
| ✘ | Free cashflow yield | -3.23% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 3.91x | — | ||
| ✘ | Margin of safety | -74.39% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 3.48 USD is below the current price of 13.59 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 3.8 USD ✘
Current Price: 13.6 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
63 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 10.76% | 10.97% | |
| ✔ | Earnings growth | 21.55% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
77 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.15x | 0.80x | |
| ✔ | Debt / total capital | 0.13x | 1.00x | |
| Equity / assets | 16.01% | — | ||
| Loans / deposits | 0.25x | — | ||
| Net interest margin | 3.87% | — | ||
| Loan-loss cover | 15.78% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Income is not covering expenditure and investment (free cashflow -0.44 per share)
Management
42 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 8.00% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 1.28% | — | ||
| Free cashflow return on capital | -0.35% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.17% | 0.00% | |
| ✔ | Share count, recent | -21.60% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.01% | 2.00% | |
| Price volatility, 5 year | 43.49% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 18 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
NU
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Nu Holdings Ltd.
Currency
USD
Beta
0.94
Vol Avg
79125319
Ceo
Mr. David Velez-Osomo
Cik
0001691493
Cusip
Exchange
NYSE
Full Time Employees
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
Rua Capote Valente, 39
City
Sao Paulo
State
SP
Country
Brazil
Zip
05409-000
Phone
Analysis Last Updated
27/09/2026, 17:14:52
Financial data compiled from SEC EDGAR filings and Yahoo Finance.