Nu Holdings Ltd. (NU) Valuation
Historical valuation analysis based on 1218 data points (2021-12-09 to 2026-10-16)
Nubank is a Brazilian financial technology firm that offers digital banking services in Brazil, Mexico, and Colombia. Founded in 2013, it is best known for its credit cards and online savings accou...
Nu Holdings Ltd. (NU) currently trades at a P/E ratio of 24.52 (historical range: 19.53–74.30, median: 33.66), placing it at the 17th percentile — cheap relative to its history, P/S ratio of 10.06 (range: 8.02–65.45, 14th percentile — cheap relative to its history), EV/EBITDA of 15.77 (range: 12.08–44.47, 23th percentile).
Over the historical period (2021-12-09 to 2026-10-16), Nu Holdings Ltd.'s P/E ratio has contracted by 24% over the observed period (from an average of 49.5 to 37.7).
Nu Holdings Ltd. trades well below its historical valuation range across most metrics.
Historical Valuation Metrics
| Metric | Current | Median | %ile | Assessment |
|---|---|---|---|---|
| P/E Ratio | 24.52 | 33.66 | 17th | cheap relative to its history |
| P/S Ratio | 10.06 | 15.01 | 14th | cheap relative to its history |
| EV/EBITDA | 15.77 | 20.10 | 23th | below its historical average |
Nu Holdings Ltd. (NU) Valuation & P/E History
Nu Holdings Ltd. (NU) is a US-listed stock operating in the Financial Services sector currently trading at $14.56 with a market capitalization of $70.3 billion. This page provides historical valuation analysis for NU based on 1218 data points covering 2021-12-09 to 2026-10-16. The P/E ratio of 24.52 is below the historical median of 33.66, placing NU at the 17th percentile of its valuation range. The P/S ratio of 10.06 compares to a median of 15.01.
NU Valuation Metrics & Historical Range
The valuation table above shows Nu Holdings Ltd.'s current and historical valuation multiples, including P/E ratio, P/S ratio, EV/EBITDA, FCF yield, and dividend yield. Each metric is compared to its own historical range to determine whether NU is currently trading above or below its typical valuation levels.
- P/E ratio: Price-to-earnings measures how much investors pay per dollar of earnings. A P/E above the historical median suggests NU is expensively valued; below the median suggests it is cheap.
- P/S ratio: Price-to-sales is useful for companies with volatile or negative earnings. Lower P/S relative to history may indicate value.
- EV/EBITDA: Enterprise value to EBITDA adjusts for debt and cash, providing a capital-structure-neutral valuation measure for Nu Holdings Ltd..
- FCF yield: Free cash flow yield shows the cash return relative to market price. Higher yields may indicate undervaluation.
Is NU Overvalued or Undervalued?
Nu Holdings Ltd. trades well below its historical valuation range across most metrics. The overall valuation percentile of 18 combines P/E, P/S, and EV/EBITDA percentiles into a single measure of how expensive NU is relative to its own history. A percentile below 25 suggests the stock may be undervalued, while a percentile above 75 suggests it may be overvalued.
However, valuation is only one factor in investment decisions. A stock can remain "overvalued" for years if growth accelerates, or "undervalued" if the business deteriorates. Always combine valuation analysis with financial statement analysis and the full NU analysis page for a complete picture.
Valuation data is computed from historical price and fundamental data via Polygon.io and Finnhub.NU trades on NYSE. This page is for informational purposes only and is not financial advice.