NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) Stock Fundamental Analysis
Europe - BIT:1NUH - KYG6683N1034 - Common Stock
13.328 EUR
+0.33 (+2.54%)
Taking everything into account, 1NUH scores 5 out of 10 in our fundamental rating. 1NUH was compared to 97 industry peers in the Banks industry. There are concerns on the financial health of 1NUH while its profitability can be described as average. 1NUH is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
1NUH had positive earnings in the past year.
1NUH had a positive operating cash flow in the past year.
In multiple years 1NUH reported negative net income over the last 5 years.
Of the past 5 years 1NUH 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.67%, 1NUH belongs to the top of the industry, outperforming 98.97% of the companies in the same industry.
Looking at the Return On Equity, with a value of 24.02%, 1NUH belongs to the top of the industry, outperforming 97.94% of the companies in the same industry.
1NUH's Return On Invested Capital of 4.41% is amongst the best of the industry. 1NUH outperforms 98.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.67% | ||
| ROE | 24.02% | ||
| ROIC | 4.41% |
ROA(3y)1.7%
ROA(5y)0.52%
ROE(3y)11.47%
ROE(5y)-1.69%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
1NUH has a worse Profit Margin (17.90%) than 64.95% of its industry peers.
The Operating Margin of 1NUH (24.65%) is better than 97.94% of its industry peers.
Looking at the Gross Margin, with a value of 43.42%, 1NUH belongs to the top of the industry, outperforming 97.94% of the companies in the same industry.
In the last couple of years the Gross Margin of 1NUH has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.65% | ||
| PM (TTM) | 17.9% | ||
| GM | 43.42% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.85%
GM growth 5Y2.4%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1NUH is destroying value.
Compared to 1 year ago, 1NUH has more shares outstanding
1NUH has more shares outstanding than it did 5 years ago.
The debt/assets ratio for 1NUH is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.52, we must say that 1NUH is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of 1NUH (0.52) is better than 98.97% of its industry peers.
The Debt to FCF ratio of 1NUH is 10.94, which is on the high side as it means it would take 1NUH, 10.94 years of fcf income to pay off all of its debts.
1NUH has a Debt to FCF ratio of 10.94. This is amongst the best in the industry. 1NUH outperforms 80.41% of its industry peers.
A Debt/Equity ratio of 4.05 is on the high side and indicates that 1NUH has dependencies on debt financing.
1NUH has a worse Debt to Equity ratio (4.05) than 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.05 | ||
| Debt/FCF | 10.94 | ||
| Altman-Z | 0.52 |
ROIC/WACC0.32
WACC13.59%
2.3 Liquidity
1NUH has a Current Ratio of 0.18. 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 Current ratio (0.18) than 98.97% of its industry peers.
A Quick Ratio of 0.18 indicates that 1NUH may have some problems paying its short term obligations.
The Quick ratio of 1NUH (0.18) is better than 98.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 38.89% over the past year.
Looking at the last year, 1NUH shows a very strong growth in Revenue. The Revenue has grown by 26.88%.
Measured over the past years, 1NUH shows a very strong growth in Revenue. The Revenue has been growing by 79.85% on average per year.
EPS 1Y (TTM)38.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.67%
Revenue 1Y (TTM)26.88%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%28.78%
3.2 Future
The Earnings Per Share is expected to grow by 38.41% on average over the next years. This is a very strong growth
Based on estimates for the next years, 1NUH will show a very strong growth in Revenue. The Revenue will grow by 22.90% on average per year.
EPS Next Y35.62%
EPS Next 2Y38.88%
EPS Next 3Y38.41%
EPS Next 5YN/A
Revenue Next Year21.24%
Revenue Next 2Y22.39%
Revenue Next 3Y22.9%
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
1NUH is valuated quite expensively with a Price/Earnings ratio of 31.00.
Compared to the rest of the industry, the Price/Earnings ratio of 1NUH indicates a rather expensive valuation: 1NUH more expensive than 91.75% of the companies listed in the same industry.
1NUH's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.89.
1NUH is valuated rather expensively with a Price/Forward Earnings ratio of 17.83.
80.41% of the companies in the same industry are cheaper than 1NUH, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, 1NUH is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31 | ||
| Fwd PE | 17.83 |
4.2 Price Multiples
98.97% of the companies in the same industry are more expensive than 1NUH, based on the Enterprise Value to EBITDA ratio.
71.13% of the companies in the same industry are more expensive than 1NUH, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.39 | ||
| EV/EBITDA | 21.13 |
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.
1NUH's earnings are expected to grow with 38.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.87
PEG (5Y)N/A
EPS Next 2Y38.88%
EPS Next 3Y38.41%
5. Dividend
5.1 Amount
No dividends for 1NUH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1NUH (10/21/2025, 7:00:00 PM)
13.328
+0.33 (+2.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.06%
Inst Owner ChangeN/A
Ins Owners0.29%
Ins Owner ChangeN/A
Market Cap64.22B
Revenue(TTM)12.85B
Net Income(TTM)2.30B
Analysts80.83
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-1.18%
Min EPS beat(2)-6.52%
Max EPS beat(2)4.16%
EPS beat(4)2
Avg EPS beat(4)0.28%
Min EPS beat(4)-6.52%
Max EPS beat(4)6.03%
EPS beat(8)5
Avg EPS beat(8)3.02%
EPS beat(12)9
Avg EPS beat(12)24.29%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.62%
Min Revenue beat(2)-5.67%
Max Revenue beat(2)0.42%
Revenue beat(4)2
Avg Revenue beat(4)-4.23%
Min Revenue beat(4)-11.83%
Max Revenue beat(4)0.42%
Revenue beat(8)5
Avg Revenue beat(8)-1.19%
Revenue beat(12)8
Avg Revenue beat(12)-0.39%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)10.51%
EPS NQ rev (3m)10.51%
EPS NY rev (1m)4.3%
EPS NY rev (3m)4.3%
Revenue NQ rev (1m)-0.75%
Revenue NQ rev (3m)-0.75%
Revenue NY rev (1m)-1.9%
Revenue NY rev (3m)-1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31 | ||
| Fwd PE | 17.83 | ||
| P/S | 5.8 | ||
| P/FCF | 20.39 | ||
| P/OCF | 18.92 | ||
| P/B | 7.79 | ||
| P/tB | 8.62 | ||
| EV/EBITDA | 21.13 |
EPS(TTM)0.43
EY3.23%
EPS(NY)0.75
Fwd EY5.61%
FCF(TTM)0.65
FCFY4.9%
OCF(TTM)0.7
OCFY5.28%
SpS2.3
BVpS1.71
TBVpS1.55
PEG (NY)0.87
PEG (5Y)N/A
Graham Number4.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.67% | ||
| ROE | 24.02% | ||
| ROCE | 27.16% | ||
| ROIC | 4.41% | ||
| ROICexc | 5.28% | ||
| ROICexgc | 5.43% | ||
| OM | 24.65% | ||
| PM (TTM) | 17.9% | ||
| GM | 43.42% | ||
| FCFM | 28.46% |
ROA(3y)1.7%
ROA(5y)0.52%
ROE(3y)11.47%
ROE(5y)-1.69%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
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 3Y1.85%
GM growth 5Y2.4%
F-Score5
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.05 | ||
| Debt/FCF | 10.94 | ||
| Debt/EBITDA | 11.92 | ||
| Cap/Depr | 335.54% | ||
| Cap/Sales | 2.21% | ||
| Interest Coverage | 51.91 | ||
| Cash Conversion | 121.18% | ||
| Profit Quality | 159% | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.52 |
F-Score5
WACC13.59%
ROIC/WACC0.32
Cap/Depr(3y)276.52%
Cap/Depr(5y)220.29%
Cap/Sales(3y)2.04%
Cap/Sales(5y)1.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.67%
EPS Next Y35.62%
EPS Next 2Y38.88%
EPS Next 3Y38.41%
EPS Next 5YN/A
Revenue 1Y (TTM)26.88%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%28.78%
Revenue Next Year21.24%
Revenue Next 2Y22.39%
Revenue Next 3Y22.9%
Revenue Next 5YN/A
EBIT growth 1Y39.22%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year140.14%
EBIT Next 3Y40.94%
EBIT Next 5YN/A
FCF growth 1Y97.99%
FCF growth 3YN/A
FCF growth 5Y52.3%
OCF growth 1Y96.38%
OCF growth 3YN/A
OCF growth 5Y54.09%
NU HOLDINGS LTD/CAYMAN ISL-A / 1NUH.MI 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 for 1NUH 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 is the valuation of NU HOLDINGS LTD/CAYMAN ISL-A based on its PE and PB ratios?
The Price/Earnings (PE) ratio for NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) is 31 and the Price/Book (PB) ratio is 7.79.
What is the earnings growth outlook for NU HOLDINGS LTD/CAYMAN ISL-A?
The Earnings per Share (EPS) of NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) is expected to grow by 35.62% in the next year.