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

USA • New York Stock Exchange • NYSE:NU • KYG6683N1034

17.02 USD
-1.1 (-6.07%)
At close: Feb 4, 2026
17.12 USD
+0.1 (+0.59%)
After Hours: 2/4/2026, 8:04:00 PM
Fundamental Rating

5

Taking everything into account, NU scores 5 out of 10 in our fundamental rating. NU was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of NU while its profitability can be described as average. 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

  • In the past year NU was profitable.
  • In the past year NU had a positive cash flow from operations.
  • 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 0 1B -1B 2B -2B

1.2 Ratios

  • NU has a better Return On Assets (3.70%) than 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 99.48% of the companies in the same industry.
  • The Return On Invested Capital of NU (4.61%) is better 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

  • NU has a worse Profit Margin (17.97%) than 71.02% of its industry peers.
  • NU has a Operating Margin of 25.30%. This is amongst the best in the industry. NU outperforms 98.69% 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

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2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NU is destroying value.
  • Compared to 1 year ago, NU has more shares outstanding
  • Compared to 5 years ago, NU has more shares outstanding
  • 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 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 0.60, we must say that NU is in the distress zone and has some risk of bankruptcy.
  • NU's Altman-Z score of 0.60 is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
  • NU has a debt to FCF ratio of 11.80. This is a negative value and a sign of low solvency as NU would need 11.80 years to pay back of all of its debts.
  • NU's Debt to FCF ratio of 11.80 is on the low side compared to the rest of the industry. NU is outperformed by 79.37% 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.
  • The Debt to Equity ratio of NU (3.92) is worse than 94.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.92
Debt/FCF 11.8
Altman-Z 0.6
ROIC/WACC0.34
WACC13.56%
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 has a better Current ratio (0.18) than 100.00% of its industry peers.
  • 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

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8

3. Growth

3.1 Past

  • NU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.15%, which is quite impressive.
  • NU shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.77%.
  • 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 41.19% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NU will show a very strong growth in Revenue. The Revenue will grow by 23.24% on average per year.
EPS Next Y42.16%
EPS Next 2Y43.04%
EPS Next 3Y41.19%
EPS Next 5YN/A
Revenue Next Year17.6%
Revenue Next 2Y24.99%
Revenue Next 3Y23.24%
Revenue Next 5YN/A

3.3 Evolution

  • 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 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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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 30.95 indicates a quite expensive valuation of NU.
  • Based on the Price/Earnings ratio, NU is valued expensively inside the industry as 86.95% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 28.25, NU is valued at the same level.
  • The Price/Forward Earnings ratio is 18.49, which indicates a rather expensive current valuation of NU.
  • 77.81% of the companies in the same industry are cheaper than NU, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, NU is valued a bit cheaper.
Industry RankSector Rank
PE 30.95
Fwd PE 18.49
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NU indicates a rather cheap valuation: NU is cheaper than 98.69% of the companies listed in the same industry.
  • NU's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NU is more expensive than 75.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.5
EV/EBITDA 22.5
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.
  • A more expensive valuation may be justified as NU's earnings are expected to grow with 41.19% in the coming years.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y43.04%
EPS Next 3Y41.19%

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0

5. Dividend

5.1 Amount

  • NU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (2/4/2026, 8:04:00 PM)

After market: 17.12 +0.1 (+0.59%)

17.02

-1.1 (-6.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13
Earnings (Next)02-25
Inst Owners80.56%
Inst Owner Change-0.88%
Ins Owners0.31%
Ins Owner Change0%
Market Cap82.47B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts82.61
Price Target19.43 (14.16%)
Short Float %2.91%
Short Ratio2.54
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)0.33%
PT rev (3m)17.74%
EPS NQ rev (1m)-1.22%
EPS NQ rev (3m)11.93%
EPS NY rev (1m)0%
EPS NY rev (3m)4.83%
Revenue NQ rev (1m)2.51%
Revenue NQ rev (3m)-3.29%
Revenue NY rev (1m)4.46%
Revenue NY rev (3m)-3%
Valuation
Industry RankSector Rank
PE 30.95
Fwd PE 18.49
P/S 5.86
P/FCF 22.5
P/OCF 20.42
P/B 7.82
P/tB 8.62
EV/EBITDA 22.5
EPS(TTM)0.55
EY3.23%
EPS(NY)0.92
Fwd EY5.41%
FCF(TTM)0.76
FCFY4.44%
OCF(TTM)0.83
OCFY4.9%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.73
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 0.6
F-Score6
WACC13.56%
ROIC/WACC0.34
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 Y42.16%
EPS Next 2Y43.04%
EPS Next 3Y41.19%
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 2Y24.99%
Revenue Next 3Y23.24%
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 30.95 and the Price/Book (PB) ratio is 7.82.