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

NYSE:NU • KYG6683N1034

Current stock price

15.1 USD
-0.24 (-1.56%)
At close:
15.15 USD
+0.05 (+0.33%)
After Hours:

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

  • 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.
  • 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.
  • Looking at the Return On Equity, with a value of 25.41%, NU belongs to the top of the industry, outperforming 99.20% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 4.70%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for NU is in line with the industry average of 2.71%.
  • 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

  • NU has a worse Profit Margin (18.19%) than 77.66% of its industry peers.
  • Looking at the Operating Margin, with a value of 24.55%, NU belongs to the top of the industry, outperforming 98.67% of the companies in the same industry.
  • With an excellent Gross Margin value of 42.00%, NU belongs to the best 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 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.
  • 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.
  • 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 0.46. 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 0.46 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.
  • The Debt to FCF ratio of NU (14.92) is worse than 81.65% 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.
  • The Debt to Equity ratio of NU (4.17) is worse than 95.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF 14.92
Altman-Z 0.46
ROIC/WACC0.4
WACC11.68%
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

  • NU has a Current 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.
  • NU's Current ratio of 0.20 is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • 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.
  • NU has a better Quick ratio (0.20) than 100.00% of its industry peers.
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.
  • The Earnings Per Share has been growing by 153.63% on average over the past years. This is a very strong growth
  • Looking at the last year, NU shows a very strong growth in Revenue. The Revenue has grown by 36.97%.
  • NU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 84.54% yearly.
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%52.61%

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 34.36% on average per year.
  • The Revenue is expected to grow by 24.42% on average over the next years. This is a very strong growth
EPS Next Y44.88%
EPS Next 2Y38.32%
EPS Next 3Y34.36%
EPS Next 5YN/A
Revenue Next Year38%
Revenue Next 2Y29.35%
Revenue Next 3Y24.42%
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.
  • 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 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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5

4. NU Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 24.35 indicates a rather expensive valuation of NU.
  • Based on the Price/Earnings ratio, NU is valued more expensive than 86.17% 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 27.95, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 16.81, the valuation of NU can be described as correct.
  • NU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NU is more expensive than 77.66% of the companies in the same industry.
  • NU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.68.
Industry RankSector Rank
PE 24.35
Fwd PE 16.81
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

  • Based on the Enterprise Value to EBITDA ratio, NU is valued cheaper than 98.67% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than 77.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.23
EV/EBITDA 17.19
NU Per share dataNU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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 34.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y38.32%
EPS Next 3Y34.36%

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

0

5. NU Dividend Analysis

5.1 Amount

  • NU does not give a dividend.
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 (4/20/2026, 8:21:36 PM)

After market: 15.15 +0.05 (+0.33%)

15.1

-0.24 (-1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-14
Inst Owners85.25%
Inst Owner Change0.27%
Ins Owners0.31%
Ins Owner Change8.75%
Market Cap73.40B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts83.48
Price Target20.08 (32.98%)
Short Float %3.73%
Short Ratio2.36
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)12.08%
Min Revenue beat(2)6.47%
Max Revenue beat(2)17.68%
Revenue beat(4)3
Avg Revenue beat(4)4.73%
Min Revenue beat(4)-5.67%
Max Revenue beat(4)17.68%
Revenue beat(8)5
Avg Revenue beat(8)1.07%
Revenue beat(12)9
Avg Revenue beat(12)1.76%
Revenue beat(16)12
Avg Revenue beat(16)4.99%
PT rev (1m)0.86%
PT rev (3m)3.35%
EPS NQ rev (1m)-1.7%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)-2.21%
EPS NY rev (3m)-2.44%
Revenue NQ rev (1m)-4.69%
Revenue NQ rev (3m)5.64%
Revenue NY rev (1m)-1.44%
Revenue NY rev (3m)4.61%
Valuation
Industry RankSector Rank
PE 24.35
Fwd PE 16.81
P/S 4.65
P/FCF 23.23
P/OCF 20.97
P/B 6.5
P/tB 7.14
EV/EBITDA 17.19
EPS(TTM)0.62
EY4.11%
EPS(NY)0.9
Fwd EY5.95%
FCF(TTM)0.65
FCFY4.31%
OCF(TTM)0.72
OCFY4.77%
SpS3.25
BVpS2.32
TBVpS2.11
PEG (NY)0.54
PEG (5Y)N/A
Graham Number5.69256 (-62.3%)
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 0.46
F-Score3
WACC11.68%
ROIC/WACC0.4
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 Y44.88%
EPS Next 2Y38.32%
EPS Next 3Y34.36%
EPS Next 5YN/A
Revenue 1Y (TTM)36.97%
Revenue growth 3Y48.76%
Revenue growth 5Y84.54%
Sales Q2Q%52.61%
Revenue Next Year38%
Revenue Next 2Y29.35%
Revenue Next 3Y24.42%
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 5 / 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.