NU HOLDINGS LTD/CAYMAN ISL-A (1NUH.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1NUH • KYG6683N1034
14.644 EUR
-0.97 (-6.24%)
Last: Jan 12, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to 1NUH. 1NUH was compared to 114 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- 1NUH had positive earnings in the past year.
- 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.
1.2 Ratios
- 1NUH has a better Return On Assets (3.70%) than 99.10% of its industry peers.
- With an excellent Return On Equity value of 23.97%, 1NUH belongs to the best of the industry, outperforming 96.40% of the companies in the same industry.
- The Return On Invested Capital of 1NUH (4.61%) is better than 99.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.7% | ||
| ROE | 23.97% | ||
| ROIC | 4.61% |
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
- Looking at the Profit Margin, with a value of 17.97%, 1NUH is doing worse than 74.77% of the companies in the same industry.
- With an excellent Operating Margin value of 25.30%, 1NUH belongs to the best of the industry, outperforming 98.20% of the companies in the same industry.
- 1NUH has a Gross Margin of 42.94%. This is amongst the best in the industry. 1NUH outperforms 98.20% of its industry peers.
- In the last couple of years the Gross Margin of 1NUH has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.3% | ||
| PM (TTM) | 17.97% | ||
| GM | 42.94% |
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.
- 1NUH has more shares outstanding than it did 1 year ago.
- 1NUH has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, 1NUH has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.56, we must say that 1NUH is in the distress zone and has some risk of bankruptcy.
- 1NUH has a Altman-Z score of 0.56. This is amongst the best in the industry. 1NUH outperforms 99.10% of its industry peers.
- 1NUH has a debt to FCF ratio of 11.80. This is a negative value and a sign of low solvency as 1NUH would need 11.80 years to pay back of all of its debts.
- 1NUH has a better Debt to FCF ratio (11.80) than 76.58% of its industry peers.
- A Debt/Equity ratio of 3.92 is on the high side and indicates that 1NUH has dependencies on debt financing.
- 1NUH has a Debt to Equity ratio of 3.92. This is amonst the worse of the industry: 1NUH underperforms 84.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.92 | ||
| Debt/FCF | 11.8 | ||
| Altman-Z | 0.56 |
ROIC/WACC0.33
WACC13.88%
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.
- The Current ratio of 1NUH (0.18) is better than 99.10% of its industry peers.
- 1NUH has a Quick 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.
- The Quick ratio of 1NUH (0.18) is better than 99.10% 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 34.15% over the past year.
- Looking at the last year, 1NUH shows a very strong growth in Revenue. The Revenue has grown by 28.77%.
- The Revenue has been growing by 79.85% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)34.15%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.67%
Revenue 1Y (TTM)28.77%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%41.78%
3.2 Future
- Based on estimates for the next years, 1NUH will show a very strong growth in Earnings Per Share. The EPS will grow by 41.19% on average per year.
- 1NUH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.24% yearly.
EPS Next Y42.16%
EPS Next 2Y43.04%
EPS Next 3Y41.19%
EPS Next 5YN/A
Revenue Next Year17.6%
Revenue Next 2Y24.99%
Revenue Next 3Y23.24%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- 1NUH is valuated quite expensively with a Price/Earnings ratio of 31.16.
- 1NUH's Price/Earnings ratio is rather expensive when compared to the industry. 1NUH is more expensive than 95.50% of the companies in the same industry.
- When comparing the Price/Earnings ratio of 1NUH to the average of the S&P500 Index (28.30), we can say 1NUH is valued inline with the index average.
- A Price/Forward Earnings ratio of 18.68 indicates a rather expensive valuation of 1NUH.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 1NUH indicates a rather expensive valuation: 1NUH more expensive than 82.88% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of 1NUH to the average of the S&P500 Index (25.57), we can say 1NUH is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.16 | ||
| Fwd PE | 18.68 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1NUH indicates a rather cheap valuation: 1NUH is cheaper than 99.10% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, 1NUH is valued a bit cheaper than the industry average as 61.26% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.73 | ||
| EV/EBITDA | 21.27 |
4.3 Compensation for Growth
- 1NUH's 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 41.19% in the coming years.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y43.04%
EPS Next 3Y41.19%
5. Dividend
5.1 Amount
- 1NUH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 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 31.16 and the Price/Book (PB) ratio is 7.9.
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.