NU HOLDINGS LTD/CAYMAN ISL-A (NU) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:NU • KYG6683N1034
17.705 USD
+0.13 (+0.77%)
Last: Feb 11, 2026, 11:41 AM
Taking everything into account, NU scores 5 out of 10 in our fundamental rating. NU was compared to 381 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 growing strongly while it is still valued neutral. This is a good combination!
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.
- NU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NU has a better Return On Assets (3.70%) than 100.00% of its industry peers.
- NU has a better Return On Equity (23.97%) than 99.48% of its industry peers.
- The Return On Invested Capital of NU (4.61%) is better than 100.00% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 17.97%, NU is doing worse than 70.87% of the companies in the same industry.
- Looking at the Operating Margin, with a value of 25.30%, NU belongs to the top of the industry, outperforming 98.69% of the companies in the same industry.
- NU has a Gross Margin of 42.94%. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
- In the last couple of years the Gross Margin of NU has grown nicely.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NU is destroying value.
- NU has more shares outstanding than it did 1 year ago.
- NU has more shares outstanding than it did 5 years ago.
- NU has a worse debt/assets ratio than last year.
2.2 Solvency
- NU has an Altman-Z score of 0.58. 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 0.58 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.
- Looking at the Debt to FCF ratio, with a value of 11.80, NU is doing worse than 79.79% of the companies in the same industry.
- 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 94.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.92 | ||
| Debt/FCF | 11.8 | ||
| Altman-Z | 0.58 |
ROIC/WACC0.34
WACC13.66%
2.3 Liquidity
- A Current Ratio of 0.18 indicates that NU may have some problems paying its short term obligations.
- NU has a Current ratio of 0.18. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
- NU has a Quick Ratio of 0.18. 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 (0.18) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 34.15% over the past year.
- Looking at the last year, NU shows a very strong growth in Revenue. 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
- NU is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 41.48% yearly.
- Based on estimates for the next years, NU will show a very strong growth in Revenue. The Revenue will grow by 23.70% on average per year.
EPS Next Y42.21%
EPS Next 2Y43.4%
EPS Next 3Y41.48%
EPS Next 5YN/A
Revenue Next Year17.6%
Revenue Next 2Y24.98%
Revenue Next 3Y23.7%
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
- With a Price/Earnings ratio of 32.19, NU can be considered very expensive at the moment.
- Based on the Price/Earnings ratio, NU is valued more expensive than 86.35% of the companies in the same industry.
- When comparing the Price/Earnings ratio of NU to the average of the S&P500 Index (28.03), we can say NU is valued inline with the index average.
- With a Price/Forward Earnings ratio of 19.13, NU is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than 77.17% of the companies in the same industry.
- NU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.19 | ||
| Fwd PE | 19.13 |
4.2 Price Multiples
- NU's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. NU is cheaper than 98.69% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than the industry average as 74.80% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.4 | ||
| EV/EBITDA | 21.77 |
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 41.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)N/A
EPS Next 2Y43.4%
EPS Next 3Y41.48%
5. Dividend
5.1 Amount
- NU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:NU (2/11/2026, 11:41:09 AM)
17.705
+0.13 (+0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners80.56%
Inst Owner Change-0.88%
Ins Owners0.31%
Ins Owner Change0%
Market Cap85.79B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts82.61
Price Target19.91 (12.45%)
Short Float %2.91%
Short Ratio2.54
Dividend
| Industry Rank | Sector 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)2.8%
PT rev (3m)18.97%
EPS NQ rev (1m)-1.22%
EPS NQ rev (3m)11.93%
EPS NY rev (1m)0.03%
EPS NY rev (3m)4.86%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.19 | ||
| Fwd PE | 19.13 | ||
| P/S | 6.09 | ||
| P/FCF | 23.4 | ||
| P/OCF | 21.24 | ||
| P/B | 8.13 | ||
| P/tB | 8.97 | ||
| EV/EBITDA | 21.77 |
EPS(TTM)0.55
EY3.11%
EPS(NY)0.93
Fwd EY5.23%
FCF(TTM)0.76
FCFY4.27%
OCF(TTM)0.83
OCFY4.71%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.76
PEG (5Y)N/A
Graham Number5.19
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.58 |
F-Score6
WACC13.66%
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 Y42.21%
EPS Next 2Y43.4%
EPS Next 3Y41.48%
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 2Y24.98%
Revenue Next 3Y23.7%
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 32.19 and the Price/Book (PB) ratio is 8.13.