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

NYSE:NU • KYG6683N1034

16.65 USD
+0.12 (+0.73%)
At close: Feb 25, 2026
15.5999 USD
-1.05 (-6.31%)
After Hours: 2/25/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, NU scores 5 out of 10 in our fundamental rating. NU was compared to 379 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 not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • NU had positive earnings in the past year.
  • NU had a positive operating cash flow in the past year.
  • 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

  • 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.
  • Looking at the Return On Equity, with a value of 23.97%, NU belongs to the top of the industry, outperforming 99.47% of the companies in the same industry.
  • NU has a better Return On Invested Capital (4.61%) than 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

  • The Profit Margin of NU (17.97%) is worse than 71.50% of its industry peers.
  • NU has a Operating Margin of 25.30%. This is amongst the best in the industry. NU outperforms 98.68% of its industry peers.
  • Looking at the Gross Margin, with a value of 42.94%, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 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

More info and screens

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

  • Based on the Altman-Z score of 0.52, we must say that NU is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.52, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 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 79.16% 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.
  • Looking at the Debt to Equity ratio, with a value of 3.92, NU is doing worse than 94.72% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.92
Debt/FCF 11.8
Altman-Z 0.52
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

  • 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.
  • With an excellent Current ratio value of 0.18, NU belongs to the best 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'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

More info and screens

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

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.15% over the past year.
  • The Revenue has grown by 28.77% in the past year. This is a very strong growth!
  • NU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 79.85% yearly.
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 41.48% 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 23.70% yearly.
EPS Next Y42.21%
EPS Next 2Y43.4%
EPS Next 3Y41.48%
EPS Next 5YN/A
Revenue Next Year17.6%
Revenue Next 2Y24.98%
Revenue Next 3Y23.7%
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.
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 30.27, the valuation of NU can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of NU indicates a rather expensive valuation: NU more expensive than 86.02% of the companies listed in the same industry.
  • NU's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.05.
  • A Price/Forward Earnings ratio of 17.99 indicates a rather expensive valuation of NU.
  • 77.04% of the companies in the same industry are cheaper than NU, based on the Price/Forward Earnings ratio.
  • NU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 30.27
Fwd PE 17.99
NU Price Earnings VS Forward Price EarningsNU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 98.94% of the companies in the same industry are more expensive than NU, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NU indicates a slightly more expensive valuation: NU is more expensive than 74.93% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 22.01
EV/EBITDA 20.39
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

  • 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 41.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y43.4%
EPS Next 3Y41.48%

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (2/25/2026, 8:04:00 PM)

After market: 15.5999 -1.05 (-6.31%)

16.65

+0.12 (+0.73%)

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 Cap80.68B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts82.61
Price Target19.91 (19.58%)
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 30.27
Fwd PE 17.99
P/S 5.73
P/FCF 22.01
P/OCF 19.97
P/B 7.65
P/tB 8.43
EV/EBITDA 20.39
EPS(TTM)0.55
EY3.3%
EPS(NY)0.93
Fwd EY5.56%
FCF(TTM)0.76
FCFY4.54%
OCF(TTM)0.83
OCFY5.01%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.72
PEG (5Y)N/A
Graham Number5.19
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 0.52
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)34.15%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.67%
EPS Next Y42.21%
EPS Next 2Y43.4%
EPS Next 3Y41.48%
EPS Next 5YN/A
Revenue 1Y (TTM)28.77%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%41.78%
Revenue Next Year17.6%
Revenue Next 2Y24.98%
Revenue Next 3Y23.7%
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 30.27 and the Price/Book (PB) ratio is 7.65.