NU HOLDINGS LTD/CAYMAN ISL-A (NU)
KYG6683N1034 - Common Stock
Overall NU gets a fundamental rating of 4 out of 10. We evaluated NU against 405 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
NU had negative earnings in 4 of the past 5 years.
NU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
NU has a Return On Assets of 3.66%. This is amongst the best in the industry. NU outperforms 99.25% of its industry peers.
NU's Return On Equity of 23.29% is amongst the best of the industry. NU outperforms 99.00% of its industry peers.
NU has a Return On Invested Capital of 4.48%. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.66% | ||
| ROE | 23.29% | ||
| ROIC | 4.48% |
ROA(3y)0.11%
ROA(5y)-0.55%
ROE(3y)1.64%
ROE(5y)-9.87%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NU's Profit Margin of 16.28% is on the low side compared to the rest of the industry. NU is outperformed by 71.61% of its industry peers.
NU's Operating Margin of 23.67% is amongst the best of the industry. NU outperforms 99.00% of its industry peers.
NU's Gross Margin of 73.08% is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
NU's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.67% | ||
| PM (TTM) | 16.28% | ||
| GM | 73.08% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.22%
GM growth 5Y-0.09%
2. Health
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.
NU has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.45, 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 0.45, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
NU has a debt to FCF ratio of 8.37. This is a slightly negative value and a sign of low solvency as NU would need 8.37 years to pay back of all of its debts.
NU has a worse Debt to FCF ratio (8.37) than 70.35% of its industry peers.
A Debt/Equity ratio of 3.94 is on the high side and indicates that NU has dependencies on debt financing.
NU's Debt to Equity ratio of 3.94 is on the low side compared to the rest of the industry. NU is outperformed by 96.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.94 | ||
| Debt/FCF | 8.37 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.38
WACC11.77%
2.3 Liquidity
NU has a Current Ratio of 0.16. 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 Current ratio of 0.16. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
NU has a Quick Ratio of 0.16. This is a bad value and indicates that NU is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of NU (0.16) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 122.83% over the past year.
NU shows a strong growth in Revenue. In the last year, the Revenue has grown by 54.53%.
The Revenue has been growing by 90.63% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)122.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
Revenue 1Y (TTM)54.53%
Revenue growth 3Y121.67%
Revenue growth 5Y90.63%
Sales Q2Q%37.74%
3.2 Future
NU is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 53.07% yearly.
NU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 31.96% yearly.
EPS Next Y83.52%
EPS Next 2Y60.45%
EPS Next 3Y53.07%
EPS Next 5YN/A
Revenue Next Year48.09%
Revenue Next 2Y40.03%
Revenue Next 3Y31.96%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 26.61 indicates a quite expensive valuation of NU.
NU's Price/Earnings ratio is rather expensive when compared to the industry. NU is more expensive than 83.17% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.28. NU is around the same levels.
With a Price/Forward Earnings ratio of 17.37, NU is valued on the expensive side.
Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than the industry average as 75.13% of the companies are valued more cheaply.
NU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.53.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.61 | ||
| Fwd PE | 17.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NU is valued cheaper than 99.00% of the companies in the same industry.
NU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.34 | ||
| EV/EBITDA | 18.5 |
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.
NU's earnings are expected to grow with 53.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y60.45%
EPS Next 3Y53.07%
5. Dividend
5.1 Amount
No dividends for NU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NU HOLDINGS LTD/CAYMAN ISL-A
NYSE:NU (1/14/2025, 8:04:01 PM)
After market: 10.9201 +0.01 (+0.09%)10.91
-0.17 (-1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.35%
Inst Owner Change0.02%
Ins Owners0.11%
Ins Owner Change0%
Market Cap52.00B
Analysts74.07
Price Target15.38 (40.97%)
Short Float %4.02%
Short Ratio3.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)14.12%
Min EPS beat(2)6.03%
Max EPS beat(2)22.21%
EPS beat(4)3
Avg EPS beat(4)5.84%
Min EPS beat(4)-7.69%
Max EPS beat(4)22.21%
EPS beat(8)7
Avg EPS beat(8)29.82%
EPS beat(12)11
Avg EPS beat(12)54.32%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.55%
Min Revenue beat(2)-5.23%
Max Revenue beat(2)0.14%
Revenue beat(4)3
Avg Revenue beat(4)1.6%
Min Revenue beat(4)-5.23%
Max Revenue beat(4)6.54%
Revenue beat(8)6
Avg Revenue beat(8)1.21%
Revenue beat(12)10
Avg Revenue beat(12)9.64%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.02%
PT rev (3m)4.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.87%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)2.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.2%
Revenue NY rev (1m)2.24%
Revenue NY rev (3m)4.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.61 | ||
| Fwd PE | 17.37 | ||
| P/S | 4.76 | ||
| P/FCF | 14.34 | ||
| P/OCF | 13.92 | ||
| P/B | 6.8 | ||
| P/tB | 7.6 | ||
| EV/EBITDA | 18.5 |
EPS(TTM)0.41
EY3.76%
EPS(NY)0.63
Fwd EY5.76%
FCF(TTM)0.76
FCFY6.97%
OCF(TTM)0.78
OCFY7.18%
SpS2.29
BVpS1.6
TBVpS1.44
PEG (NY)0.32
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.66% | ||
| ROE | 23.29% | ||
| ROCE | 26.16% | ||
| ROIC | 4.48% | ||
| ROICexc | 5.16% | ||
| ROICexgc | 5.33% | ||
| OM | 23.67% | ||
| PM (TTM) | 16.28% | ||
| GM | 73.08% | ||
| FCFM | 33.16% |
ROA(3y)0.11%
ROA(5y)-0.55%
ROE(3y)1.64%
ROE(5y)-9.87%
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
ROICexcg growth 3YN/A
ROICexcg 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 3Y2.22%
GM growth 5Y-0.09%
F-Score8
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.94 | ||
| Debt/FCF | 8.37 | ||
| Debt/EBITDA | 11.32 | ||
| Cap/Depr | 151.98% | ||
| Cap/Sales | 1.01% | ||
| Interest Coverage | 24.47 | ||
| Cash Conversion | 140.42% | ||
| Profit Quality | 203.62% | ||
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 | ||
| Altman-Z | 0.45 |
F-Score8
WACC11.77%
ROIC/WACC0.38
Cap/Depr(3y)255.74%
Cap/Depr(5y)193.5%
Cap/Sales(3y)2.09%
Cap/Sales(5y)1.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)122.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
EPS Next Y83.52%
EPS Next 2Y60.45%
EPS Next 3Y53.07%
EPS Next 5YN/A
Revenue 1Y (TTM)54.53%
Revenue growth 3Y121.67%
Revenue growth 5Y90.63%
Sales Q2Q%37.74%
Revenue Next Year48.09%
Revenue Next 2Y40.03%
Revenue Next 3Y31.96%
Revenue Next 5YN/A
EBIT growth 1Y241.65%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year281.8%
EBIT Next 3Y93.79%
EBIT Next 5YN/A
FCF growth 1Y353.17%
FCF growth 3Y3.97%
FCF growth 5YN/A
OCF growth 1Y380.46%
OCF growth 3Y9.02%
OCF growth 5YN/A