Stock Analysis
Nu Holdings Ltd.NU
P/E 24.52×· 5Y range 19.53–74.30×· bottom 17% of history
Sector: Financial Services
AnalystsStrong Buy26 analystsP/E 24.5× sits at the 17th percentile of its 4.851357517681953-year history.
Cash covers 257% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability95
Risks
- Quality16
- Financial Health28
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓ROE 21.6% — efficient capital deployment
- ✓Revenue CAGR 69.3% — durable top-line growth
- ✓P/E 24.5× at bottom 17% of 5-year history
What's happening with NU
Profile
Strong profitability; earnings quality, financial health, moat and valuation lag behind.
How is each axis scored?
- Valuation42/100 · Weak
- P/E vs own history (17th pct)25/25
- FCF yield (-14.7%)0/25
- P/S (10.1x)5/25
- EV/EBIT (15.8x)12/25
- Growth50/100 · Moderate
- Revenue CAGR (69.3%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (46.3%)25/25
- Profitability95/100 · Strong
- ROIC (76.9%)25/25
- ROE (21.6%)20/25
- Net margin (41.0%)25/25
- Operating margin (55.4%)25/25
- Financial Health28/100 · Weak
- Altman Z (0.38)3/25
- Current ratio (0.39)0/25
- Interest coverage (-0.9x)0/25
- Net cash / debt (Net cash)25/25
- Quality16/100 · Weak
- Piotroski F (4/9)10/25
- Beneish M (-1.68)6/25
- FCF conversion (-360%)0/25
- Margin stability (σ 33.4%)0/25
- Moat38/100 · Weak
- ROIC >12% years (2/4 yrs)13/25
- Median gross margin (100.0%)25/25
- FCF-positive years (0/5 yrs)0/25
- Worst-year net margin (worst -19.8%)0/25
Risk Flags
- ⚠Altman Z 0.4 — distress-zone balance sheet
- ⚠Beneish M -1.68 — earnings-manipulation flag
- ⚠Negative FCF margin (-1.5%) — burning cash
- ⚠SBC 5.1% of revenue — real dilution cost
- ⚠2 loss-making years in recent history
About Nu Holdings Ltd.
Nubank is a Brazilian financial technology firm that offers digital banking services in Brazil, Mexico, and Colombia. Show more
Founded in 2013, it is best known for its credit cards and online savings accounts. However, Nubank has expanded its offerings to cover consumer loans, insurance, investments, and cryptocurrency through its mobile app. Thanks to its success in disrupting Brazil's concentrated and fee-heavy banking sector, the company now serves over 100 million customers across its three core markets. Brazil provides more than 90% of its revenue.
Employees: 10,027 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
42D+P/E (TTM)24.5xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 19.5x–74.3x · 17th pct
P/FCF16.7xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield-14.7%D
Grade D: NegativeTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -38.7%–-4.6% · 59th pct
P/S (TTM)10.06xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 8.0x–65.4x · 14th pct
EV/EBIT15.8xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 12.1x–44.5x · 23rd pct
EV/Sales5.8xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E16.8xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio5.31xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.36A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
95A+ROIC76.9%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE21.6%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA4.8%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin41.0%A
Grade A: HighNet Income / Revenue
Operating Margin55.4%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin100.0%A
Grade A: PremiumGross Profit / Revenue
FCF Margin-147.7%D
Grade D: LowFCF / Revenue
True FCF Margin-152.7%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
50CRevenue CAGR69.3%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth46.3%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income12.3%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue5.1%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
28EAltman Z-Score0.38D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.39xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.16xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage-0.9xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.44xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt2.57xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
16EPiotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-1.68D
Grade D: RiskyEarnings manipulation risk. < -2.22 Safe
FCF Conversion-359.9%D
Grade D: PoorFCF / Net Income
Margin Stability33.4%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue0.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.25xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Junqueira Cristina Helena Zingaretti Filed | Junqueira Cristina Helena Zingaretti | SellOpen market sale | -25000 | |
Junqueira Cristina Helena Zingaretti Filed | Junqueira Cristina Helena Zingaretti | SellOpen market sale | -65000 | |
Junqueira Cristina Helena Zingaretti Filed | Junqueira Cristina Helena Zingaretti | SellOpen market sale | -25000 | |
Moreno Mejia Luis Alberto Filed | Moreno Mejia Luis Alberto | Grant / award | +1.0K | |
Sands Anita M Filed | Sands Anita M | Grant / award | +1.4K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
LEONE DOUGLAS M Filed | LEONE DOUGLAS M | Grant / award | +1.4K | |
PIACENTINI DIEGO Filed | PIACENTINI DIEGO | Grant / award | +1.4K | |
Fragelli Henrique Camossa Saldanha Filed | Fragelli Henrique Camossa Saldanha | SellOpen market sale | -221707 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
38DROIC >12% Years2/4 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)100.0%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-19.8%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$0.59
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.04
Cash & short-term investments per share (Finnhub)
Book Value / Share$2.74
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$5.90B
Total debt obligations (short + long term)
Cash & Equiv.$15.17B
Cash and short-term investments
Net Debt$-9.27BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$13.25B
Shareholders' equity (book value)
Asset / Liability1.19xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$70.33B
Current Market Capitalization
Beta0.96B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Dec 2025 · Ratio snapshot Oct 17, 2026
Key Insights: Nu Holdings Ltd. (NU)
NU is down 1.15% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for Nu Holdings Ltd.. Altman Z-Score of 0.38 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -1.68 is above the −1.78 flag threshold, a signal that reported earnings warrant closer scrutiny. Revenue has compounded at roughly 69% annually — a strong growth profile.
- Free-cash-flow margin is negative (-148%) — the business currently burns cash.
- Company is effectively debt-free after netting cash.
- Interest coverage of -0.9× leaves little room for earnings shocks.
- Nu Holdings Ltd. posted a net loss in 2 of 5 available completed fiscal years (2021–2025).
- Return on equity of 21.6% is well above the market average.
See how NU ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all NU moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 5 | Pre-market | 15.10 | +12.43% | 4.08 |
| Oct 5 | Regular | 15.27 | +13.66% | 4.44 |
| Oct 5 | After-hours | 15.23 | +13.40% | 4.37 |
| Oct 1 | Regular | 13.28 | +4.90% | 2.08 |
| Sep 30 | After-hours | 13.44 | +8.83% | 2.93 |
Frequently Asked Questions about NU
What is the current Nu Holdings Ltd. (NU) stock price?
NU is trading at $14.56 at the last market close, down 1.15% on the session. PreMarketPrice tracks NU pre-market, intraday and after-hours prices.
Is NU stock a buy right now?
PreMarketPrice's quantitative model rates Nu Holdings Ltd.'s financial health at 28/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is NU stock overvalued?
Nu Holdings Ltd. trades at a trailing P/E of 24.5 and our valuation score rates it 42/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Nu Holdings Ltd. report earnings?
No confirmed earnings date is currently scheduled for NU. The Earnings section lists recent reports and updates as dates are announced.
What sector does Nu Holdings Ltd. operate in?
Nu Holdings Ltd. operates in the Financial Services sector. The Related Stocks section lists sector peers for comparison.
What does Nu Holdings Ltd. do?
Nubank is a Brazilian financial technology firm that offers digital banking services in Brazil, Mexico, and Colombia.
About Nu Holdings Ltd. (NU) Stock
Nu Holdings Ltd. (NU) is a US-listed stock operating in the Financial Services sector. As of the latest update, Nu Holdings Ltd. is trading at $14.56, down 1.15% on the day with a market capitalization of $70.3 billion. The financial health score for NU is 28/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for NU stock.
NU Stock Analysis & Key Metrics
On PreMarketPrice, you can track Nu Holdings Ltd. (NU) across multiple dimensions:
- Pre-market price & movement: Real-time NU stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for NU with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Nu Holdings Ltd. across multiple reporting periods.
- Financial health score: A composite score of 28/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for NU.
- Sector peers: Compare NU against 4 other financial services stocks on key financial metrics.
Is NU a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Nu Holdings Ltd. (NU) as an investment. The financial health score of 28/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Nu Holdings Ltd. (NU) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.