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

NYSE:NU • KYG6683N1034

14.98 USD
-0.08 (-0.53%)
At close: Feb 27, 2026
14.98 USD
0 (0%)
After Hours: 2/27/2026, 8:23:22 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NU. 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.
  • 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

  • NU has a better Return On Assets (3.83%) than 100.00% of its industry peers.
  • NU has a Return On Equity of 25.41%. This is amongst the best in the industry. NU outperforms 99.21% of its industry peers.
  • NU has a better Return On Invested Capital (4.70%) than 100.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for NU is in line with the industry average of 2.75%.
  • The 3 year average ROIC (4.53%) for NU is below the current ROIC(4.70%), indicating increased profibility in the last year.
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

  • The Profit Margin of NU (18.19%) is worse than 72.82% of its industry peers.
  • The Operating Margin of NU (24.55%) is better than 98.42% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

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.
  • NU has more shares outstanding than it did 5 years ago.
  • 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 0.45. This is a bad value and indicates that NU is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of NU (0.45) is better than 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.
  • With a Debt to FCF ratio value of 14.92, NU is not doing good in the industry: 79.95% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 4.17 is on the high side and indicates that NU has dependencies on debt financing.
  • With a Debt to Equity ratio value of 4.17, NU is not doing good in the industry: 95.25% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.17
Debt/FCF 14.92
Altman-Z 0.45
ROIC/WACC0.36
WACC12.91%
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 Current ratio of 0.20. This is amongst the best in 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.
  • The Quick ratio of NU (0.20) is better 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

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
  • 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%56.77%

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 43.36% on average per year.
  • Based on estimates for the next years, NU will show a very strong growth in Revenue. The Revenue will grow by 26.87% on average per year.
EPS Next Y49.25%
EPS Next 2Y43.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.83%
Revenue Next 2Y26.87%
Revenue Next 3YN/A
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 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.16, NU is valued on the expensive side.
  • 85.22% of the companies in the same industry are cheaper than NU, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, NU is valued at the same level.
  • With a Price/Forward Earnings ratio of 16.19, NU is valued correctly.
  • Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than 75.99% of the companies in the same industry.
  • NU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.16
Fwd PE 16.19
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

  • NU's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. NU is cheaper than 98.94% of the companies in the same industry.
  • 75.46% of the companies in the same industry are cheaper than NU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.97
EV/EBITDA 16.69
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.
  • NU has a very decent profitability rating, which may justify a higher PE ratio.
  • NU's earnings are expected to grow with 43.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y43.36%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • NU does not give a dividend.
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 (2/27/2026, 8:23:22 PM)

After market: 14.98 0 (0%)

14.98

-0.08 (-0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-11
Inst Owners80.56%
Inst Owner Change1.72%
Ins Owners0.31%
Ins Owner Change0%
Market Cap72.59B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts82.61
Price Target19.91 (32.91%)
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)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)13.68%
Min Revenue beat(2)6.47%
Max Revenue beat(2)20.89%
Revenue beat(4)3
Avg Revenue beat(4)5.53%
Min Revenue beat(4)-5.67%
Max Revenue beat(4)20.89%
Revenue beat(8)5
Avg Revenue beat(8)1.47%
Revenue beat(12)9
Avg Revenue beat(12)2.02%
Revenue beat(16)12
Avg Revenue beat(16)5.19%
PT rev (1m)2.46%
PT rev (3m)8.92%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)-3.66%
EPS NY rev (1m)0.5%
EPS NY rev (3m)6.48%
Revenue NQ rev (1m)1.21%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)4.35%
Valuation
Industry RankSector Rank
PE 24.16
Fwd PE 16.19
P/S 4.6
P/FCF 22.97
P/OCF 20.74
P/B 6.43
P/tB 7.06
EV/EBITDA 16.69
EPS(TTM)0.62
EY4.14%
EPS(NY)0.93
Fwd EY6.18%
FCF(TTM)0.65
FCFY4.35%
OCF(TTM)0.72
OCFY4.82%
SpS3.26
BVpS2.33
TBVpS2.12
PEG (NY)0.49
PEG (5Y)N/A
Graham Number5.7
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 0.45
F-Score3
WACC12.91%
ROIC/WACC0.36
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 Y49.25%
EPS Next 2Y43.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)36.97%
Revenue growth 3Y48.76%
Revenue growth 5Y84.54%
Sales Q2Q%56.77%
Revenue Next Year32.83%
Revenue Next 2Y26.87%
Revenue Next 3YN/A
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 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 24.16 and the Price/Book (PB) ratio is 6.43.