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

NYSE:NU - New York Stock Exchange, Inc. - KYG6683N1034 - Common Stock - Currency: USD

11.9  -0.1 (-0.83%)

Premarket: 12 +0.1 (+0.84%)

Fundamental Rating

5

NU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. While NU is still in line with the averages on profitability rating, there are concerns on its financial health. NU is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

NU had positive earnings in the past year.
In the past year NU had a positive cash flow from operations.
In multiple years NU reported negative net income over the last 5 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 0 1B -1B 2B -2B

1.2 Ratios

Looking at the Return On Assets, with a value of 3.97%, NU belongs to the top of the industry, outperforming 99.24% of the companies in the same industry.
The Return On Equity of NU (24.98%) is better than 99.24% of its industry peers.
NU has a better Return On Invested Capital (4.86%) than 100.00% of its industry peers.
Industry RankSector Rank
ROA 3.97%
ROE 24.98%
ROIC 4.86%
ROA(3y)1.7%
ROA(5y)0.52%
ROE(3y)11.47%
ROE(5y)-1.69%
ROIC(3y)N/A
ROIC(5y)N/A
NU Yearly ROA, ROE, ROICNU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 20 -20

1.3 Margins

NU's Profit Margin of 17.88% is on the low side compared to the rest of the industry. NU is outperformed by 69.37% of its industry peers.
With an excellent Operating Margin value of 25.05%, NU belongs to the best of the industry, outperforming 98.99% of the companies in the same industry.
The Gross Margin of NU (44.82%) is better than 100.00% of its industry peers.
NU's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 25.05%
PM (TTM) 17.88%
GM 44.82%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.85%
GM growth 5Y2.4%
NU Yearly Profit, Operating, Gross MarginsNU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

2

2. Health

2.1 Basic Checks

NU 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, NU has more shares outstanding
NU has more shares outstanding than it did 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 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 10B 20B 30B 40B

2.2 Solvency

NU has an Altman-Z score of 0.44. This is a bad value and indicates that NU is not financially healthy and even has some risk of bankruptcy.
NU has a better Altman-Z score (0.44) than 100.00% of its industry peers.
NU has a debt to FCF ratio of 8.83. This is a slightly negative value and a sign of low solvency as NU would need 8.83 years to pay back of all of its debts.
The Debt to FCF ratio of NU (8.83) is worse than 78.73% of its industry peers.
NU has a Debt/Equity ratio of 3.83. This is a high value indicating a heavy dependency on external financing.
NU has a worse Debt to Equity ratio (3.83) than 95.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.83
Debt/FCF 8.83
Altman-Z 0.44
ROIC/WACC0.36
WACC13.47%
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 0 2B -2B 4B 6B

2.3 Liquidity

NU has a Current Ratio of 0.14. 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 better Current ratio (0.14) than 100.00% of its industry peers.
NU has a Quick Ratio of 0.14. 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 Quick ratio of NU (0.14) is better than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
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 10B 20B 30B 40B

8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 63.27% over the past year.
NU shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.52%.
Measured over the past years, NU shows a very strong growth in Revenue. The Revenue has been growing by 79.85% on average per year.
EPS 1Y (TTM)63.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
Revenue 1Y (TTM)31.52%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%18.71%

3.2 Future

NU is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.64% yearly.
The Revenue is expected to grow by 26.65% on average over the next years. This is a very strong growth
EPS Next Y30.03%
EPS Next 2Y35.88%
EPS Next 3Y37.64%
EPS Next 5YN/A
Revenue Next Year26.18%
Revenue Next 2Y23.9%
Revenue Next 3Y26.65%
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.
NU Yearly Revenue VS EstimatesNU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B
NU Yearly EPS VS EstimatesNU Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.2 0.4 0.6 0.8 1

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 24.79, which indicates a rather expensive current valuation of NU.
Based on the Price/Earnings ratio, NU is valued more expensive than 84.56% of the companies in the same industry.
NU's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.32.
With a Price/Forward Earnings ratio of 14.32, NU is valued correctly.
74.18% of the companies in the same industry are cheaper than NU, based on the Price/Forward Earnings ratio.
NU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.13.
Industry RankSector Rank
PE 24.79
Fwd PE 14.32
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 98.99% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NU indicates a slightly more expensive valuation: NU is more expensive than 64.56% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.99
EV/EBITDA 17.43
NU Per share dataNU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2

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 NU may justify a higher PE ratio.
A more expensive valuation may be justified as NU's earnings are expected to grow with 37.64% in the coming years.
PEG (NY)0.83
PEG (5Y)N/A
EPS Next 2Y35.88%
EPS Next 3Y37.64%

0

5. Dividend

5.1 Amount

No dividends for NU!.
Industry RankSector Rank
Dividend Yield N/A

NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (6/13/2025, 8:27:43 PM)

Premarket: 12 +0.1 (+0.84%)

11.9

-0.1 (-0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-13 2025-05-13/amc
Earnings (Next)08-14 2025-08-14/amc
Inst Owners79.05%
Inst Owner Change-2.15%
Ins Owners0.29%
Ins Owner Change0%
Market Cap57.34B
Analysts74.62
Price Target14.19 (19.24%)
Short Float %3.13%
Short Ratio1.94
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)0
Avg EPS beat(2)-4.54%
Min EPS beat(2)-6.52%
Max EPS beat(2)-2.56%
EPS beat(4)2
Avg EPS beat(4)4.79%
Min EPS beat(4)-6.52%
Max EPS beat(4)22.21%
EPS beat(8)5
Avg EPS beat(8)4.56%
EPS beat(12)9
Avg EPS beat(12)32.58%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-5.7%
Min Revenue beat(2)-11.83%
Max Revenue beat(2)0.42%
Revenue beat(4)2
Avg Revenue beat(4)-4.12%
Min Revenue beat(4)-11.83%
Max Revenue beat(4)0.42%
Revenue beat(8)6
Avg Revenue beat(8)0.04%
Revenue beat(12)9
Avg Revenue beat(12)2.07%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.8%
PT rev (3m)-0.95%
EPS NQ rev (1m)-4.26%
EPS NQ rev (3m)-2.8%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.65%
Revenue NQ rev (1m)6.66%
Revenue NQ rev (3m)8.24%
Revenue NY rev (1m)2.1%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 24.79
Fwd PE 14.32
P/S 4.77
P/FCF 14.99
P/OCF 14.14
P/B 6.66
P/tB 7.39
EV/EBITDA 17.43
EPS(TTM)0.48
EY4.03%
EPS(NY)0.83
Fwd EY6.98%
FCF(TTM)0.79
FCFY6.67%
OCF(TTM)0.84
OCFY7.07%
SpS2.5
BVpS1.79
TBVpS1.61
PEG (NY)0.83
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.97%
ROE 24.98%
ROCE 28.38%
ROIC 4.86%
ROICexc 5.53%
ROICexgc 5.68%
OM 25.05%
PM (TTM) 17.88%
GM 44.82%
FCFM 31.79%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 3.83
Debt/FCF 8.83
Debt/EBITDA 10.67
Cap/Depr 288.46%
Cap/Sales 1.92%
Interest Coverage 41.74
Cash Conversion 131.11%
Profit Quality 177.83%
Current Ratio 0.14
Quick Ratio 0.14
Altman-Z 0.44
F-Score7
WACC13.47%
ROIC/WACC0.36
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)63.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
EPS Next Y30.03%
EPS Next 2Y35.88%
EPS Next 3Y37.64%
EPS Next 5YN/A
Revenue 1Y (TTM)31.52%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%18.71%
Revenue Next Year26.18%
Revenue Next 2Y23.9%
Revenue Next 3Y26.65%
Revenue Next 5YN/A
EBIT growth 1Y60.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year144.91%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y511.41%
FCF growth 3YN/A
FCF growth 5Y52.3%
OCF growth 1Y425.56%
OCF growth 3YN/A
OCF growth 5Y54.09%