NU HOLDINGS LTD/CAYMAN ISL-A (NU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NU - KYG6683N1034 - Common Stock
16.62 USD
+0.28 (+1.71%)
16.71 USD
+0.09 (+0.54%)
Taking everything into account, NU scores 5 out of 10 in our fundamental rating. NU was compared to 388 industry peers in the Banks industry. NU has a medium profitability rating, but doesn't score so well on its financial health evaluation. NU is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year NU was profitable.
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.
NU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
NU has a Return On Assets of 3.70%. This is amongst the best in the industry. NU outperforms 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.
NU's Return On Invested Capital of 4.61% is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
| 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
With a Profit Margin value of 17.97%, NU is not doing good in the industry: 70.62% of the companies in the same industry are doing better.
With an excellent Operating Margin value of 25.30%, NU belongs to the best of the industry, outperforming 98.71% of the companies in the same industry.
The Gross Margin of NU (42.94%) is better than 100.00% of its industry peers.
NU's Gross Margin has improved in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NU is destroying value.
The number of shares outstanding for NU has been increased compared to 1 year ago.
The number of shares outstanding for NU has been increased compared to 5 years ago.
Compared to 1 year ago, NU has a worse debt to assets ratio.
2.2 Solvency
NU has an Altman-Z score of 0.53. This is a bad value and indicates that NU is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of NU (0.53) is better than 100.00% of its industry peers.
NU has a debt to FCF ratio of 11.80. This is a negative value and a sign of low solvency as NU would need 11.80 years to pay back of all of its debts.
The Debt to FCF ratio of NU (11.80) is worse than 79.64% of its industry peers.
NU has a Debt/Equity ratio of 3.92. This is a high value indicating a heavy dependency on external financing.
NU has a Debt to Equity ratio of 3.92. This is amonst the worse of the industry: NU underperforms 95.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.92 | ||
| Debt/FCF | 11.8 | ||
| Altman-Z | 0.53 |
ROIC/WACC0.32
WACC14.47%
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.
NU has a Current ratio of 0.18. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
A Quick Ratio of 0.18 indicates that NU may have some problems paying its short term obligations.
NU has a Quick ratio of 0.18. This is amongst the best in the industry. NU outperforms 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.
The Revenue has grown by 28.77% in the past year. This is a very strong growth!
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
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
NU is valuated quite expensively with a Price/Earnings ratio of 30.22.
NU's Price/Earnings ratio is rather expensive when compared to the industry. NU is more expensive than 84.79% of the companies in the same industry.
NU is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 18.01, which indicates a rather expensive current valuation of NU.
Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than 76.80% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, NU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.22 | ||
| Fwd PE | 18.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NU is valued cheaper than 98.71% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than 73.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.97 | ||
| EV/EBITDA | 20.51 |
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.
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% |
16.62
+0.28 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.45%
Inst Owner Change3.2%
Ins Owners0.31%
Ins Owner Change0%
Market Cap80.53B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts80.83
Price Target19.37 (16.55%)
Short Float %2.8%
Short Ratio2.71
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)5.95%
PT rev (3m)17.35%
EPS NQ rev (1m)-4.11%
EPS NQ rev (3m)15.22%
EPS NY rev (1m)4.65%
EPS NY rev (3m)4.92%
Revenue NQ rev (1m)-10.96%
Revenue NQ rev (3m)-5.42%
Revenue NY rev (1m)-7.16%
Revenue NY rev (3m)-5.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.22 | ||
| Fwd PE | 18.01 | ||
| P/S | 5.72 | ||
| P/FCF | 21.97 | ||
| P/OCF | 19.94 | ||
| P/B | 7.63 | ||
| P/tB | 8.42 | ||
| EV/EBITDA | 20.51 |
EPS(TTM)0.55
EY3.31%
EPS(NY)0.92
Fwd EY5.55%
FCF(TTM)0.76
FCFY4.55%
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
WACC14.47%
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.
What is the valuation status for 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.
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.
Can you provide the PE and PB ratios for NU stock?
The Price/Earnings (PE) ratio for NU HOLDINGS LTD/CAYMAN ISL-A (NU) is 30.22 and the Price/Book (PB) ratio is 7.63.
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.