NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) Fundamental Analysis & Valuation

BIT:1NUH • KYG6683N1034

Current stock price

12.352 EUR
-0.32 (-2.54%)
Last:

This 1NUH.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. 1NUH.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1NUH was profitable.
  • In the past year 1NUH had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: 1NUH reported negative net income in multiple years.
  • Of the past 5 years 1NUH 4 years had a positive operating cash flow.
1NUH.MI Yearly Net Income VS EBIT VS OCF VS FCF1NUH.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B

1.2 Ratios

  • 1NUH has a Return On Assets of 3.83%. This is amongst the best in the industry. 1NUH outperforms 99.09% of its industry peers.
  • With an excellent Return On Equity value of 25.41%, 1NUH belongs to the best of the industry, outperforming 98.18% of the companies in the same industry.
  • The Return On Invested Capital of 1NUH (4.70%) is better than 99.09% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1NUH is in line with the industry average of 4.02%.
  • The 3 year average ROIC (4.53%) for 1NUH is below the current ROIC(4.70%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.83%
ROE 25.41%
ROIC 4.7%
ROA(3y)3.39%
ROA(5y)1.62%
ROE(3y)22.43%
ROE(5y)11.22%
ROIC(3y)4.53%
ROIC(5y)N/A
1NUH.MI Yearly ROA, ROE, ROIC1NUH.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • 1NUH has a Profit Margin of 18.19%. This is in the lower half of the industry: 1NUH underperforms 73.64% of its industry peers.
  • 1NUH has a Operating Margin of 24.55%. This is amongst the best in the industry. 1NUH outperforms 98.18% of its industry peers.
  • 1NUH has a Gross Margin of 42.00%. This is amongst the best in the industry. 1NUH outperforms 98.18% of its industry peers.
  • In the last couple of years the Gross Margin of 1NUH has remained more or less at the same level.
Industry RankSector Rank
OM 24.55%
PM (TTM) 18.19%
GM 42%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.57%
GM growth 5Y-1.08%
1NUH.MI Yearly Profit, Operating, Gross Margins1NUH.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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3

2. 1NUH.MI Health Analysis

2.1 Basic Checks

  • 1NUH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, 1NUH has more shares outstanding
  • The number of shares outstanding for 1NUH has been increased compared to 5 years ago.
  • Compared to 1 year ago, 1NUH has a worse debt to assets ratio.
1NUH.MI Yearly Shares Outstanding1NUH.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
1NUH.MI Yearly Total Debt VS Total Assets1NUH.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • Based on the Altman-Z score of 0.41, we must say that 1NUH is in the distress zone and has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 0.41, 1NUH belongs to the best of the industry, outperforming 99.09% of the companies in the same industry.
  • 1NUH has a debt to FCF ratio of 14.92. This is a negative value and a sign of low solvency as 1NUH would need 14.92 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 14.92, 1NUH is in the better half of the industry, outperforming 71.82% of the companies in the same industry.
  • A Debt/Equity ratio of 4.17 is on the high side and indicates that 1NUH has dependencies on debt financing.
  • 1NUH's Debt to Equity ratio of 4.17 is on the low side compared to the rest of the industry. 1NUH is outperformed by 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF 14.92
Altman-Z 0.41
ROIC/WACC0.43
WACC10.97%
1NUH.MI Yearly LT Debt VS Equity VS FCF1NUH.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B

2.3 Liquidity

  • A Current Ratio of 0.20 indicates that 1NUH may have some problems paying its short term obligations.
  • 1NUH has a Current ratio of 0.20. This is amongst the best in the industry. 1NUH outperforms 99.09% of its industry peers.
  • 1NUH has a Quick Ratio of 0.20. This is a bad value and indicates that 1NUH is not financially healthy enough and could expect problems in meeting its short term obligations.
  • 1NUH has a better Quick ratio (0.20) than 99.09% of its industry peers.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
1NUH.MI Yearly Current Assets VS Current Liabilites1NUH.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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9

3. 1NUH.MI Growth Analysis

3.1 Past

  • 1NUH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.78%, which is quite impressive.
  • Measured over the past years, 1NUH shows a very strong growth in Earnings Per Share. The EPS has been growing by 153.63% on average per year.
  • The Revenue has grown by 36.97% in the past year. This is a very strong growth!
  • The Revenue has been growing by 84.54% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)37.78%
EPS 3Y153.63%
EPS 5YN/A
EPS Q2Q%58.33%
Revenue 1Y (TTM)36.97%
Revenue growth 3Y48.76%
Revenue growth 5Y84.54%
Sales Q2Q%56.77%

3.2 Future

  • The Earnings Per Share is expected to grow by 37.55% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 27.11% on average over the next years. This is a very strong growth
EPS Next Y48.15%
EPS Next 2Y41.55%
EPS Next 3Y37.55%
EPS Next 5YN/A
Revenue Next Year35.68%
Revenue Next 2Y28.31%
Revenue Next 3Y27.11%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
1NUH.MI Yearly Revenue VS Estimates1NUH.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
1NUH.MI Yearly EPS VS Estimates1NUH.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

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5

4. 1NUH.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 22.87 indicates a rather expensive valuation of 1NUH.
  • Based on the Price/Earnings ratio, 1NUH is valued more expensive than 94.55% of the companies in the same industry.
  • 1NUH's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.23.
  • A Price/Forward Earnings ratio of 15.54 indicates a correct valuation of 1NUH.
  • 81.82% of the companies in the same industry are cheaper than 1NUH, based on the Price/Forward Earnings ratio.
  • 1NUH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 22.87
Fwd PE 15.54
1NUH.MI Price Earnings VS Forward Price Earnings1NUH.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1NUH's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. 1NUH is cheaper than 99.09% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1NUH is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 21.89
EV/EBITDA 15.83
1NUH.MI Per share data1NUH.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of 1NUH may justify a higher PE ratio.
  • A more expensive valuation may be justified as 1NUH's earnings are expected to grow with 37.55% in the coming years.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y41.55%
EPS Next 3Y37.55%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1NUH.MI Dividend Analysis

5.1 Amount

  • No dividends for 1NUH!.
Industry RankSector Rank
Dividend Yield 0%

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1NUH.MI Fundamentals: All Metrics, Ratios and Statistics

NU HOLDINGS LTD/CAYMAN ISL-A

BIT:1NUH (3/16/2026, 7:00:00 PM)

12.352

-0.32 (-2.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-11
Inst Owners83.88%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap59.85B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts82.61
Price Target17.02 (37.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.4%
Min EPS beat(2)-4.42%
Max EPS beat(2)3.62%
EPS beat(4)2
Avg EPS beat(4)-0.79%
Min EPS beat(4)-6.52%
Max EPS beat(4)4.16%
EPS beat(8)5
Avg EPS beat(8)3.16%
EPS beat(12)8
Avg EPS beat(12)8.86%
EPS beat(16)12
Avg EPS beat(16)33.72%
Revenue beat(2)2
Avg Revenue beat(2)13.68%
Min Revenue beat(2)6.47%
Max Revenue beat(2)20.89%
Revenue beat(4)3
Avg Revenue beat(4)5.53%
Min Revenue beat(4)-5.67%
Max Revenue beat(4)20.89%
Revenue beat(8)5
Avg Revenue beat(8)1.47%
Revenue beat(12)9
Avg Revenue beat(12)2.02%
Revenue beat(16)12
Avg Revenue beat(16)5.19%
PT rev (1m)1.55%
PT rev (3m)18.38%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)10.38%
EPS NY rev (1m)0.5%
EPS NY rev (3m)6.61%
Revenue NQ rev (1m)1.21%
Revenue NQ rev (3m)4.77%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)4.29%
Valuation
Industry RankSector Rank
PE 22.87
Fwd PE 15.54
P/S 4.38
P/FCF 21.89
P/OCF 19.76
P/B 6.13
P/tB 6.73
EV/EBITDA 15.83
EPS(TTM)0.54
EY4.37%
EPS(NY)0.79
Fwd EY6.44%
FCF(TTM)0.56
FCFY4.57%
OCF(TTM)0.63
OCFY5.06%
SpS2.82
BVpS2.02
TBVpS1.84
PEG (NY)0.48
PEG (5Y)N/A
Graham Number4.95
Profitability
Industry RankSector Rank
ROA 3.83%
ROE 25.41%
ROCE 22.93%
ROIC 4.7%
ROICexc 5.74%
ROICexgc 5.88%
OM 24.55%
PM (TTM) 18.19%
GM 42%
FCFM 20.03%
ROA(3y)3.39%
ROA(5y)1.62%
ROE(3y)22.43%
ROE(5y)11.22%
ROIC(3y)4.53%
ROIC(5y)N/A
ROICexc(3y)5.49%
ROICexc(5y)N/A
ROICexgc(3y)5.65%
ROICexgc(5y)N/A
ROCE(3y)24.88%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.57%
GM growth 5Y-1.08%
F-Score3
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF 14.92
Debt/EBITDA 11.87
Cap/Depr 347.84%
Cap/Sales 2.16%
Interest Coverage 41.96
Cash Conversion 88.17%
Profit Quality 110.14%
Current Ratio 0.2
Quick Ratio 0.2
Altman-Z 0.41
F-Score3
WACC10.97%
ROIC/WACC0.43
Cap/Depr(3y)285.38%
Cap/Depr(5y)268.35%
Cap/Sales(3y)1.96%
Cap/Sales(5y)1.99%
Profit Quality(3y)109.53%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.78%
EPS 3Y153.63%
EPS 5YN/A
EPS Q2Q%58.33%
EPS Next Y48.15%
EPS Next 2Y41.55%
EPS Next 3Y37.55%
EPS Next 5YN/A
Revenue 1Y (TTM)36.97%
Revenue growth 3Y48.76%
Revenue growth 5Y84.54%
Sales Q2Q%56.77%
Revenue Next Year35.68%
Revenue Next 2Y28.31%
Revenue Next 3Y27.11%
Revenue Next 5YN/A
EBIT growth 1Y38.53%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year162.13%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y42.07%
FCF growth 3Y70.16%
FCF growth 5Y26.66%
OCF growth 1Y45.91%
OCF growth 3Y66.71%
OCF growth 5Y29.07%

NU HOLDINGS LTD/CAYMAN ISL-A / 1NUH.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) stock?

ChartMill assigns a fundamental rating of 5 / 10 to 1NUH.MI.


What is the valuation status of NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI). This can be considered as Fairly Valued.


What is the profitability of 1NUH stock?

NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) has a profitability rating of 6 / 10.


What are the PE and PB ratios of NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) stock?

The Price/Earnings (PE) ratio for NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) is 22.87 and the Price/Book (PB) ratio is 6.13.


What is the financial health of NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) stock?

The financial health rating of NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) is 3 / 10.