NU HOLDINGS LTD/CAYMAN ISL-A (NU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NU - KYG6683N1034 - Common Stock
16.6 USD
-0.01 (-0.06%)
16.638 USD
+0.04 (+0.23%)
NU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of NU while its profitability can be described as average. NU is growing strongly while it is still valued neutral. This is a good combination!
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.
- The reported net income has been mixed in the past 5 years: NU reported negative net income in multiple years.
- NU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NU has a better Return On Assets (3.70%) than 100.00% of its industry peers.
- NU's Return On Equity of 23.97% is amongst the best of the industry. NU outperforms 99.74% of its industry peers.
- With an excellent Return On Invested Capital value of 4.61%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| 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
- NU has a Profit Margin of 17.97%. This is in the lower half of the industry: NU underperforms 70.50% of its industry peers.
- The Operating Margin of NU (25.30%) is better than 98.69% of its industry peers.
- NU has a better Gross Margin (42.94%) than 100.00% of its industry peers.
- In the last couple of years the Gross Margin of NU 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
- 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
- Compared to 5 years ago, NU has more shares outstanding
- NU has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.53, we must say that NU is in the distress zone and has some risk of bankruptcy.
- NU has a better Altman-Z score (0.53) than 100.00% of its industry peers.
- The Debt to FCF ratio of NU is 11.80, which is on the high side as it means it would take NU, 11.80 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 11.80, NU is not doing good in the industry: 79.90% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 3.92 is on the high side and indicates that NU has dependencies on debt financing.
- NU's Debt to Equity ratio of 3.92 is on the low side compared to the rest of the industry. NU is outperformed by 94.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.92 | ||
| Debt/FCF | 11.8 | ||
| Altman-Z | 0.53 |
ROIC/WACC0.32
WACC14.35%
2.3 Liquidity
- NU has a Current Ratio of 0.18. This is a bad value and indicates that NU is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.18, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- A Quick Ratio of 0.18 indicates that NU may have some problems paying its short term obligations.
- NU has a better Quick ratio (0.18) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
- NU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.15%, which is quite impressive.
- Looking at the last year, NU 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
- The Earnings Per Share is expected to grow by 41.49% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 22.78% on average over the next years. This is a very strong growth
EPS Next Y42.16%
EPS Next 2Y43.2%
EPS Next 3Y41.49%
EPS Next 5YN/A
Revenue Next Year12.58%
Revenue Next 2Y24.78%
Revenue Next 3Y22.78%
Revenue Next 5YN/A
3.3 Evolution
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 30.18, NU can be considered very expensive at the moment.
- 84.60% of the companies in the same industry are cheaper than NU, based on the Price/Earnings ratio.
- NU is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 17.99 indicates a rather expensive valuation of NU.
- Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than the industry average as 77.02% of the companies are valued more cheaply.
- NU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.18 | ||
| Fwd PE | 17.99 |
4.2 Price Multiples
- NU's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. NU is cheaper than 98.69% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than the industry average as 74.67% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.94 | ||
| EV/EBITDA | 20.49 |
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 41.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y43.2%
EPS Next 3Y41.49%
5. Dividend
5.1 Amount
- NU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
16.6
-0.01 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners80.56%
Inst Owner Change0.42%
Ins Owners0.31%
Ins Owner Change0%
Market Cap80.44B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts82.61
Price Target19.37 (16.69%)
Short Float %2.88%
Short Ratio2.93
Dividend
| Industry Rank | Sector 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)2
Avg EPS beat(2)3.89%
Min EPS beat(2)3.62%
Max EPS beat(2)4.16%
EPS beat(4)2
Avg EPS beat(4)-0.33%
Min EPS beat(4)-6.52%
Max EPS beat(4)4.16%
EPS beat(8)5
Avg EPS beat(8)2.75%
EPS beat(12)9
Avg EPS beat(12)19.77%
EPS beat(16)13
Avg EPS beat(16)40.65%
Revenue beat(2)1
Avg Revenue beat(2)0.4%
Min Revenue beat(2)-5.67%
Max Revenue beat(2)6.47%
Revenue beat(4)2
Avg Revenue beat(4)-2.65%
Min Revenue beat(4)-11.83%
Max Revenue beat(4)6.47%
Revenue beat(8)5
Avg Revenue beat(8)-0.52%
Revenue beat(12)8
Avg Revenue beat(12)-0.08%
Revenue beat(16)12
Avg Revenue beat(16)6.57%
PT rev (1m)0%
PT rev (3m)17.35%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)15.22%
EPS NY rev (1m)-1.64%
EPS NY rev (3m)4.92%
Revenue NQ rev (1m)-10.7%
Revenue NQ rev (3m)-5.66%
Revenue NY rev (1m)-9.2%
Revenue NY rev (3m)-7.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.18 | ||
| Fwd PE | 17.99 | ||
| P/S | 5.71 | ||
| P/FCF | 21.94 | ||
| P/OCF | 19.91 | ||
| P/B | 7.62 | ||
| P/tB | 8.41 | ||
| EV/EBITDA | 20.49 |
EPS(TTM)0.55
EY3.31%
EPS(NY)0.92
Fwd EY5.56%
FCF(TTM)0.76
FCFY4.56%
OCF(TTM)0.83
OCFY5.02%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.72
PEG (5Y)N/A
Graham Number5.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.7% | ||
| ROE | 23.97% | ||
| ROCE | 27.35% | ||
| ROIC | 4.61% | ||
| ROICexc | 5.51% | ||
| ROICexgc | 5.69% | ||
| OM | 25.3% | ||
| PM (TTM) | 17.97% | ||
| GM | 42.94% | ||
| FCFM | 26.04% |
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
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 3Y1.85%
GM growth 5Y2.4%
F-Score6
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.92 | ||
| Debt/FCF | 11.8 | ||
| Debt/EBITDA | 11.33 | ||
| Cap/Depr | 410.64% | ||
| Cap/Sales | 2.66% | ||
| Interest Coverage | 42.97 | ||
| Cash Conversion | 110.6% | ||
| Profit Quality | 144.94% | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.53 |
F-Score6
WACC14.35%
ROIC/WACC0.32
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)34.15%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.67%
EPS Next Y42.16%
EPS Next 2Y43.2%
EPS Next 3Y41.49%
EPS Next 5YN/A
Revenue 1Y (TTM)28.77%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%41.78%
Revenue Next Year12.58%
Revenue Next 2Y24.78%
Revenue Next 3Y22.78%
Revenue Next 5YN/A
EBIT growth 1Y37.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year140.14%
EBIT Next 3Y40.94%
EBIT Next 5YN/A
FCF growth 1Y364.53%
FCF growth 3YN/A
FCF growth 5Y52.3%
OCF growth 1Y433.31%
OCF growth 3YN/A
OCF growth 5Y54.09%
NU HOLDINGS LTD/CAYMAN ISL-A / NU FAQ
What is the fundamental rating for NU stock?
ChartMill assigns a fundamental rating of 5 / 10 to NU.
Can you provide the valuation status for NU HOLDINGS LTD/CAYMAN ISL-A?
ChartMill assigns a valuation rating of 4 / 10 to NU HOLDINGS LTD/CAYMAN ISL-A (NU). This can be considered as Fairly Valued.
Can you provide the profitability details for NU HOLDINGS LTD/CAYMAN ISL-A?
NU HOLDINGS LTD/CAYMAN ISL-A (NU) has a profitability rating of 6 / 10.
What is the valuation of NU HOLDINGS LTD/CAYMAN ISL-A based on its PE and PB ratios?
The Price/Earnings (PE) ratio for NU HOLDINGS LTD/CAYMAN ISL-A (NU) is 30.18 and the Price/Book (PB) ratio is 7.62.