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

NYSE:NU • KYG6683N1034

15.215 USD
-1.43 (-8.62%)
Last: Feb 26, 2026, 02:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, NU scores 4 out of 10 in our fundamental rating. NU was compared to 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.
  • NU had a positive operating cash flow in the past year.
  • In multiple years NU reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: NU reported negative operating cash flow in multiple 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

  • NU's Return On Assets of 3.70% is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • With an excellent Return On Equity value of 23.97%, NU belongs to the best of the industry, outperforming 99.47% of the companies in the same industry.
  • NU has a Return On Invested Capital of 4.61%. This is amongst the best in 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

  • NU's Profit Margin of 17.97% is on the low side compared to the rest of the industry. NU is outperformed by 71.50% of its industry peers.
  • NU has a better Operating Margin (25.30%) than 98.68% 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 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

  • NU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • There is no outstanding debt for NU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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 0.53. This is a bad value and indicates that NU is not financially healthy and even 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.
  • Looking at the Debt to FCF ratio, with a value of 11.80, NU is doing worse than 79.16% of the companies in the same industry.
  • A Debt/Equity ratio of 3.92 is on the high side and indicates that NU has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.92, NU is not doing good in the industry: 94.72% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.92
Debt/FCF 11.8
Altman-Z 0.53
ROIC/WACC0.35
WACC13.27%
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.
  • NU has a Quick 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's Quick ratio of 0.18 is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
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

  • 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.
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

  • Based on estimates for the next years, NU will show a very strong growth in Earnings Per Share. The EPS will grow by 43.36% on average per year.
  • The Revenue is expected to grow by 26.87% on average over the next years. This is a very strong growth
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

  • With a Price/Earnings ratio of 24.54, 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 85.75% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of NU to the average of the S&P500 Index (27.05), we can say NU is valued inline with the index average.
  • The Price/Forward Earnings ratio is 16.44, which indicates a correct valuation of NU.
  • NU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NU is more expensive than 77.04% of the companies in the same industry.
  • NU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.54
Fwd PE 16.44
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 cheaper than 98.94% 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 75.46% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 20.11
EV/EBITDA 20.55
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.
  • The decent profitability rating of NU may justify a higher PE ratio.
  • NU's earnings are expected to grow with 43.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y43.36%
EPS Next 3YN/A

More info and screens

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 (2/26/2026, 2:49:09 PM)

15.215

-1.43 (-8.62%)

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 Cap73.73B
Revenue(TTM)N/A
Net Income(TTM)2.53B
Analysts82.61
Price Target19.91 (30.86%)
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 24.54
Fwd PE 16.44
P/S 5.24
P/FCF 20.11
P/OCF 18.25
P/B 6.99
P/tB 7.71
EV/EBITDA 20.55
EPS(TTM)0.62
EY4.07%
EPS(NY)0.93
Fwd EY6.08%
FCF(TTM)0.76
FCFY4.97%
OCF(TTM)0.83
OCFY5.48%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.5
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 0.53
F-Score6
WACC13.27%
ROIC/WACC0.35
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 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 24.54 and the Price/Book (PB) ratio is 6.99.