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

NYSE:NU • KYG6683N1034

Current stock price

14.5 USD
-0.14 (-0.96%)
At close:
14.5298 USD
+0.03 (+0.21%)
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

  • NU had positive earnings in the past year.
  • 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.
  • NU had a positive operating cash flow in 4 of the past 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 2025 0 2B -2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.83%, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • NU's Return On Equity of 25.41% is amongst the best of the industry. NU outperforms 99.20% of its industry peers.
  • With an excellent Return On Invested Capital value of 4.91%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • NU had an Average Return On Invested Capital over the past 3 years of 4.53%. This is in line with the industry average of 2.74%.
  • The last Return On Invested Capital (4.91%) 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 4.91%
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.
  • NU has a better Gross Margin (42.00%) than 100.00% of its industry peers.
  • 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

  • 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.
  • Compared to 5 years ago, NU has more shares outstanding
  • NU has a worse debt/assets ratio than last year.
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 0.39. 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 0.39 is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • The Debt to FCF ratio of NU is 14.92, which is on the high side as it means it would take NU, 14.92 years of fcf income to pay off all of its debts.
  • NU has a worse Debt to FCF ratio (14.92) than 81.38% of its industry peers.
  • NU has a Debt/Equity ratio of 3.95. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of NU (3.95) is worse than 95.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.95
Debt/FCF 14.92
Altman-Z 0.39
ROIC/WACC0.41
WACC12.09%
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

  • A Current Ratio of 0.20 indicates that NU may have some problems paying its short term obligations.
  • NU has a better Current ratio (0.20) than 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.
  • Looking at the Quick ratio, with a value of 0.20, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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

  • 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.
  • The Revenue has grown by 36.97% 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 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

  • NU is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.36% yearly.
  • Based on estimates for the next years, NU will show a very strong growth in Revenue. The Revenue will grow by 24.42% on average per year.
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

  • 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.
  • The estimated forward Revenue 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 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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4

4. NU Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 23.39, which indicates a rather expensive current valuation of NU.
  • 85.90% of the companies in the same industry are cheaper than NU, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of NU to the average of the S&P500 Index (26.91), we can say NU is valued inline with the index average.
  • The Price/Forward Earnings ratio is 16.14, which indicates a correct valuation of NU.
  • Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than the industry average as 78.46% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of NU to the average of the S&P500 Index (21.99), we can say NU is valued slightly cheaper.
Industry RankSector Rank
PE 23.39
Fwd PE 16.14
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 98.67% of the companies are valued more expensively.
  • 76.33% of the companies in the same industry are cheaper than NU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.31
EV/EBITDA 16.33
NU Per share dataNU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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.
  • A more expensive valuation may be justified as NU's earnings are expected to grow with 34.36% in the coming years.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y38.32%
EPS Next 3Y34.36%

More info and screens

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

0

5. NU Dividend Analysis

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 Fundamentals: All Metrics, Ratios and Statistics

NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (4/28/2026, 8:04:00 PM)

After market: 14.5298 +0.03 (+0.21%)

14.5

-0.14 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-14
Inst Owners85.25%
Inst Owner Change0.55%
Ins Owners0.31%
Ins Owner Change8.75%
Market Cap70.48B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts83.48
Price Target20.08 (38.48%)
Short Float %3.68%
Short Ratio2.45
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)-0.5%
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)3.88%
Valuation
Industry RankSector Rank
PE 23.39
Fwd PE 16.14
P/S 4.47
P/FCF 22.31
P/OCF 20.13
P/B 6.24
P/tB 6.86
EV/EBITDA 16.33
EPS(TTM)0.62
EY4.28%
EPS(NY)0.9
Fwd EY6.19%
FCF(TTM)0.65
FCFY4.48%
OCF(TTM)0.72
OCFY4.97%
SpS3.25
BVpS2.32
TBVpS2.11
PEG (NY)0.52
PEG (5Y)N/A
Graham Number5.69256 (-60.74%)
Profitability
Industry RankSector Rank
ROA 3.83%
ROE 25.41%
ROCE 26.96%
ROIC 4.91%
ROICexc 6.05%
ROICexgc 6.21%
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-Score4
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 3.95
Debt/FCF 14.92
Debt/EBITDA 11.24
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 0.39
F-Score4
WACC12.09%
ROIC/WACC0.41
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 4 / 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.