NU HOLDINGS LTD/CAYMAN ISL-A (NU) Fundamental Analysis & Valuation

NYSE:NU • KYG6683N1034

Current stock price

14.15 USD
-0.29 (-2.01%)
At close:
14.1591 USD
+0.01 (+0.06%)
After Hours:

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

6

1. NU Profitability Analysis

1.1 Basic Checks

  • NU had positive earnings in the past year.
  • NU had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: NU reported negative net income in multiple years.
  • Of the past 5 years NU 4 years had a positive operating cash flow.
NU Yearly Net Income VS EBIT VS OCF VS FCFNU 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

  • NU's Return On Assets of 3.83% is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • The Return On Equity of NU (25.41%) is better than 99.21% of its industry peers.
  • The Return On Invested Capital of NU (4.70%) is better than 100.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for NU is in line with the industry average of 2.65%.
  • The 3 year average ROIC (4.53%) for NU 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
NU Yearly ROA, ROE, ROICNU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • NU has a Profit Margin of 18.19%. This is in the lower half of the industry: NU underperforms 75.79% of its industry peers.
  • The Operating Margin of NU (24.55%) is better than 98.42% of its industry peers.
  • NU has a better Gross Margin (42.00%) than 100.00% of its industry peers.
  • In the last couple of years the Gross Margin of NU 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%
NU Yearly Profit, Operating, Gross MarginsNU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. NU Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NU is destroying value.
  • The number of shares outstanding for NU has been increased compared to 1 year ago.
  • The number of shares outstanding for NU has been increased compared to 5 years ago.
  • NU has a worse debt/assets ratio than last year.
NU Yearly Shares OutstandingNU Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
NU Yearly Total Debt VS Total AssetsNU 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

  • NU has an Altman-Z score of 0.41. This is a bad value and indicates that NU is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.41, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Debt to FCF ratio of NU is 14.92, which is on the high side as it means it would take NU, 14.92 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 14.92, NU is doing worse than 79.21% of the companies in the same industry.
  • NU has a Debt/Equity ratio of 4.17. This is a high value indicating a heavy dependency on external financing.
  • NU has a Debt to Equity ratio of 4.17. This is amonst the worse of the industry: NU underperforms 95.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF 14.92
Altman-Z 0.41
ROIC/WACC0.41
WACC11.41%
NU Yearly LT Debt VS Equity VS FCFNU 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

  • NU has a Current Ratio of 0.20. This is a bad value and indicates that NU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of NU (0.20) is better than 100.00% of its industry peers.
  • NU has a Quick Ratio of 0.20. This is a bad value and indicates that NU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NU has a Quick ratio of 0.20. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
NU Yearly Current Assets VS Current LiabilitesNU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. NU Growth Analysis

3.1 Past

  • NU 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, NU shows a very strong growth in Earnings Per Share. The EPS has been growing by 153.63% on average per year.
  • NU shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.97%.
  • 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
  • Based on estimates for the next years, NU will show a very strong growth in Revenue. The Revenue will grow by 22.50% on average per year.
EPS Next Y48.15%
EPS Next 2Y41.55%
EPS Next 3Y37.55%
EPS Next 5YN/A
Revenue Next Year40.02%
Revenue Next 2Y29.82%
Revenue Next 3Y22.5%
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.
NU Yearly Revenue VS EstimatesNU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
NU Yearly EPS VS EstimatesNU Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

More info and screens

Find the best growth stocksShow best growing peers

4

4. NU Valuation Analysis

4.1 Price/Earnings Ratio

  • NU is valuated rather expensively with a Price/Earnings ratio of 22.82.
  • 85.00% of the companies in the same industry are cheaper than NU, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, NU is valued at the same level.
  • NU is valuated correctly with a Price/Forward Earnings ratio of 15.40.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NU indicates a slightly more expensive valuation: NU is more expensive than 76.58% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of NU to the average of the S&P500 Index (22.84), we can say NU is valued slightly cheaper.
Industry RankSector Rank
PE 22.82
Fwd PE 15.4
NU Price Earnings VS Forward Price EarningsNU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NU indicates a rather cheap valuation: NU is cheaper than 98.68% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than the industry average as 76.05% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 21.7
EV/EBITDA 15.68
NU Per share dataNU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • NU'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 NU may justify a higher PE ratio.
  • NU's earnings are expected to grow with 37.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y41.55%
EPS Next 3Y37.55%

More info and screens

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

0

5. NU Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

NU Fundamentals: All Metrics, Ratios and Statistics

NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (4/2/2026, 8:04:00 PM)

After market: 14.1591 +0.01 (+0.06%)

14.15

-0.29 (-2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-11
Inst Owners83.88%
Inst Owner Change1.73%
Ins Owners0.31%
Ins Owner Change0%
Market Cap68.56B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts82.61
Price Target20.02 (41.48%)
Short Float %3.74%
Short Ratio2.27
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)2.8%
EPS NQ rev (1m)1.44%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)10.84%
Revenue NQ rev (3m)10.31%
Revenue NY rev (1m)5.41%
Revenue NY rev (3m)5.76%
Valuation
Industry RankSector Rank
PE 22.82
Fwd PE 15.4
P/S 4.35
P/FCF 21.7
P/OCF 19.59
P/B 6.07
P/tB 6.67
EV/EBITDA 15.68
EPS(TTM)0.62
EY4.38%
EPS(NY)0.92
Fwd EY6.49%
FCF(TTM)0.65
FCFY4.61%
OCF(TTM)0.72
OCFY5.11%
SpS3.26
BVpS2.33
TBVpS2.12
PEG (NY)0.47
PEG (5Y)N/A
Graham Number5.7
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
WACC11.41%
ROIC/WACC0.41
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 Year40.02%
Revenue Next 2Y29.82%
Revenue Next 3Y22.5%
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 / NU Fundamental Analysis FAQ

What is the fundamental rating for NU stock?

ChartMill assigns a fundamental rating of 5 / 10 to NU.


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

ChartMill assigns a valuation rating of 4 / 10 to NU HOLDINGS LTD/CAYMAN ISL-A (NU). This can be considered as Fairly Valued.


What is the profitability of NU stock?

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


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

The financial health rating of NU HOLDINGS LTD/CAYMAN ISL-A (NU) is 2 / 10.