NU HOLDINGS LTD/CAYMAN ISL-A (NU) Stock Fundamental Analysis

NYSE:NU • KYG6683N1034

14.945 USD
-0.12 (-0.76%)
Last: Feb 27, 2026, 01:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

NU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. While NU is still in line with the averages on profitability rating, there are concerns on its financial health. NU has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

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.
  • The reported net income has been mixed in the past 5 years: NU reported negative net income in multiple years.
  • In multiple years NU reported negative operating cash flow during the last 5 years.
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 0 1B -1B 2B -2B

1.2 Ratios

  • With an excellent Return On Assets value of 3.70%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • The Return On Equity of NU (23.97%) is better than 99.47% 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 RankSector 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
NU Yearly ROA, ROE, ROICNU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 20 -20

1.3 Margins

  • With a Profit Margin value of 17.97%, NU is not doing good in the industry: 71.50% of the companies in the same industry are doing better.
  • The Operating Margin of NU (25.30%) is better than 98.68% of its industry peers.
  • NU's Gross Margin of 42.94% is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • NU's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
NU Yearly Profit, Operating, Gross MarginsNU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NU is destroying value.
  • NU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
NU Yearly Shares OutstandingNU Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 10B 20B 30B 40B

2.2 Solvency

  • NU has an Altman-Z score of 0.45. 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 0.45 is amongst the best of the industry. NU outperforms 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.
  • NU has a Debt to FCF ratio of 11.80. This is in the lower half of the industry: NU underperforms 78.89% of its industry peers.
  • A Debt/Equity ratio of 3.92 is on the high side and indicates that NU has dependencies on debt financing.
  • NU has a Debt to Equity ratio of 3.92. This is amonst the worse of the industry: NU underperforms 94.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.92
Debt/FCF 11.8
Altman-Z 0.45
ROIC/WACC0.36
WACC12.92%
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 0 2B -2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 0.18 indicates that NU may have some problems paying its short term obligations.
  • NU's Current ratio of 0.18 is amongst the best of 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.
  • With an excellent Quick ratio value of 0.18, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
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 10B 20B 30B 40B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.78% over the past year.
  • NU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 153.63% yearly.
EPS 1Y (TTM)37.78%
EPS 3Y153.63%
EPS 5YN/A
EPS Q2Q%58.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%56.77%

3.2 Future

  • The Earnings Per Share is expected to grow by 43.36% on average over the next years. This is a very strong growth
  • NU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.87% yearly.
EPS Next Y49.25%
EPS Next 2Y43.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.83%
Revenue Next 2Y26.87%
Revenue Next 3YN/A
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.
NU Yearly Revenue VS EstimatesNU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B
NU Yearly EPS VS EstimatesNU Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 24.10, which indicates a rather expensive current valuation of NU.
  • 84.17% of the companies in the same industry are cheaper than NU, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.11, NU is valued at the same level.
  • The Price/Forward Earnings ratio is 16.15, which indicates a correct valuation of NU.
  • Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than 74.93% of the companies in the same industry.
  • NU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.1
Fwd PE 16.15
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

  • Based on the Enterprise Value to EBITDA ratio, NU is valued cheaply inside the industry as 98.94% of the companies are valued more expensively.
  • 72.30% of the companies in the same industry are cheaper than NU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.76
EV/EBITDA 18.44
NU Per share dataNU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

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.
  • NU has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as NU's earnings are expected to grow with 43.36% in the coming years.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y43.36%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for NU!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (2/27/2026, 1:49:07 PM)

14.945

-0.12 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-11
Inst Owners80.56%
Inst Owner Change1.71%
Ins Owners0.31%
Ins Owner Change0%
Market Cap72.42B
Revenue(TTM)N/A
Net Income(TTM)2.53B
Analysts82.61
Price Target19.91 (33.22%)
Short Float %3%
Short Ratio2.53
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)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)2.46%
PT rev (3m)8.92%
EPS NQ rev (1m)-0.64%
EPS NQ rev (3m)11.93%
EPS NY rev (1m)0.03%
EPS NY rev (3m)4.68%
Revenue NQ rev (1m)-0.31%
Revenue NQ rev (3m)-3.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.03%
Valuation
Industry RankSector Rank
PE 24.1
Fwd PE 16.15
P/S 5.14
P/FCF 19.76
P/OCF 17.93
P/B 6.86
P/tB 7.57
EV/EBITDA 18.44
EPS(TTM)0.62
EY4.15%
EPS(NY)0.93
Fwd EY6.19%
FCF(TTM)0.76
FCFY5.06%
OCF(TTM)0.83
OCFY5.58%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.49
PEG (5Y)N/A
Graham Number5.51
Profitability
Industry RankSector 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 RankSector 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 0.45
F-Score6
WACC12.92%
ROIC/WACC0.36
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)37.78%
EPS 3Y153.63%
EPS 5YN/A
EPS Q2Q%58.33%
EPS Next Y49.25%
EPS Next 2Y43.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%56.77%
Revenue Next Year32.83%
Revenue Next 2Y26.87%
Revenue Next 3YN/A
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 4 / 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 24.1 and the Price/Book (PB) ratio is 6.86.