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:
14.23 USD
+0.08 (+0.57%)
Pre-Market:

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.
  • 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.
  • 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

  • With an excellent Return On Assets value of 3.83%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • NU has a Return On Equity of 25.41%. This is amongst the best in the industry. NU outperforms 99.21% of its industry peers.
  • NU has a Return On Invested Capital of 4.70%. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
  • NU had an Average Return On Invested Capital over the past 3 years of 4.53%. This is in line with the industry average of 2.65%.
  • The last Return On Invested Capital (4.70%) for NU is above the 3 year average (4.53%), which is a sign of increasing profitability.
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

  • With a Profit Margin value of 18.19%, NU is not doing good in the industry: 77.37% of the companies in the same industry are doing better.
  • NU has a Operating Margin of 24.55%. This is amongst the best in the industry. NU outperforms 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

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2

2. NU Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NU is destroying value.
  • Compared to 1 year ago, NU has more shares outstanding
  • Compared to 5 years ago, NU has more shares outstanding
  • The debt/assets ratio for NU is higher compared to a year ago.
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.
  • NU's Altman-Z score of 0.41 is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • NU has a debt to FCF ratio of 14.92. This is a negative value and a sign of low solvency as NU would need 14.92 years to pay back of all of its debts.
  • NU has a Debt to FCF ratio of 14.92. This is amonst the worse of the industry: NU underperforms 80.26% of its industry peers.
  • NU has a Debt/Equity ratio of 4.17. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.17, NU is doing worse than 95.26% of the companies in the same industry.
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

  • A Current Ratio of 0.20 indicates that NU may have some problems paying its short term obligations.
  • With an excellent Current ratio value of 0.20, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • 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.
  • Looking at the Quick ratio, with a value of 0.20, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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

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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.
  • Looking at the last year, NU shows a very strong growth in Revenue. 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

  • Based on estimates for the next years, NU will show a very strong growth in Earnings Per Share. The EPS will grow by 37.55% on average per year.
  • NU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.86% yearly.
EPS Next Y48.15%
EPS Next 2Y41.55%
EPS Next 3Y37.55%
EPS Next 5YN/A
Revenue Next Year41.11%
Revenue Next 2Y30.45%
Revenue Next 3Y25.86%
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

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4

4. NU Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 22.82, NU is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of NU indicates a rather expensive valuation: NU more expensive than 85.26% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, NU is valued at the same level.
  • With a Price/Forward Earnings ratio of 15.40, NU is valued correctly.
  • Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than the industry average as 76.58% of the companies are valued more cheaply.
  • NU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.05, which is the current average of the S&P500 Index.
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

  • 98.68% of the companies in the same industry are more expensive than NU, based on the Enterprise Value to EBITDA ratio.
  • NU's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NU is more expensive than 75.79% of the companies in the same industry.
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NU has a very decent profitability rating, which 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%

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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%

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NU Fundamentals: All Metrics, Ratios and Statistics

NU HOLDINGS LTD/CAYMAN ISL-A

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

Premarket: 14.23 +0.08 (+0.57%)

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 Change0%
Ins Owners0.31%
Ins Owner Change0%
Market Cap68.56B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts83.48
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)0.54%
PT rev (3m)3.36%
EPS NQ rev (1m)-1.27%
EPS NQ rev (3m)-0.85%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)4.37%
Revenue NQ rev (3m)5.13%
Revenue NY rev (1m)6.24%
Revenue NY rev (3m)6.59%
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 Year41.11%
Revenue Next 2Y30.45%
Revenue Next 3Y25.86%
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.