NU HOLDINGS LTD/CAYMAN ISL-A (NU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NU - KYG6683N1034 - Common Stock
16.61 USD
-0.03 (-0.18%)
16.69 USD
+0.08 (+0.48%)
NU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While NU is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
- 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.
1.2 Ratios
- With an excellent Return On Assets value of 3.70%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 23.97%, NU belongs to the top of the industry, outperforming 99.74% of the companies in the same industry.
- NU has a better Return On Invested Capital (4.61%) 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
- With a Profit Margin value of 17.97%, NU is not doing good in the industry: 70.50% of the companies in the same industry are doing better.
- NU has a better Operating Margin (25.30%) than 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 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NU is destroying value.
- Compared to 1 year ago, NU has more shares outstanding
- The number of shares outstanding for NU has been increased compared to 5 years ago.
- The debt/assets ratio for NU is higher compared to a year ago.
2.2 Solvency
- NU has an Altman-Z score of 0.53. This is a bad value and indicates that NU is not financially healthy and even has some risk of bankruptcy.
- With an excellent Altman-Z score value of 0.53, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- The Debt to FCF ratio of NU is 11.80, which is on the high side as it means it would take NU, 11.80 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 11.80, NU is doing worse than 79.90% of the companies in the same industry.
- A Debt/Equity ratio of 3.92 is on the high side and indicates that NU has dependencies on debt financing.
- NU has a worse Debt to Equity ratio (3.92) than 94.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.92 | ||
| Debt/FCF | 11.8 | ||
| Altman-Z | 0.53 |
ROIC/WACC0.32
WACC14.36%
2.3 Liquidity
- A Current Ratio of 0.18 indicates that NU may have some problems paying its short term obligations.
- NU's Current ratio of 0.18 is amongst the best of 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.
- NU has a better Quick ratio (0.18) 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.
- The Revenue has grown by 28.77% 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 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 41.49% on average over the next years. This is a very strong growth
- NU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.78% yearly.
EPS Next Y42.16%
EPS Next 2Y43.2%
EPS Next 3Y41.49%
EPS Next 5YN/A
Revenue Next Year12.58%
Revenue Next 2Y24.78%
Revenue Next 3Y22.78%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 30.20, the valuation of NU can be described as expensive.
- NU's Price/Earnings ratio is rather expensive when compared to the industry. NU is more expensive than 84.60% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.54. NU is around the same levels.
- Based on the Price/Forward Earnings ratio of 18.00, the valuation of NU can be described as rather expensive.
- Based on the Price/Forward Earnings ratio, NU is valued a bit more expensive than the industry average as 77.02% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, NU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.2 | ||
| Fwd PE | 18 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NU is valued cheaply inside the industry as 98.69% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than 74.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.96 | ||
| EV/EBITDA | 20.53 |
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.
- NU's earnings are expected to grow with 41.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y43.2%
EPS Next 3Y41.49%
5. Dividend
5.1 Amount
- No dividends for NU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
16.61
-0.03 (-0.18%)
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 Change0.42%
Ins Owners0.31%
Ins Owner Change0%
Market Cap80.49B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts82.61
Price Target19.37 (16.62%)
Short Float %2.88%
Short Ratio2.93
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)0%
PT rev (3m)17.35%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)15.22%
EPS NY rev (1m)-1.64%
EPS NY rev (3m)4.92%
Revenue NQ rev (1m)-10.7%
Revenue NQ rev (3m)-5.66%
Revenue NY rev (1m)-9.2%
Revenue NY rev (3m)-7.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.2 | ||
| Fwd PE | 18 | ||
| P/S | 5.72 | ||
| P/FCF | 21.96 | ||
| P/OCF | 19.92 | ||
| P/B | 7.63 | ||
| P/tB | 8.41 | ||
| EV/EBITDA | 20.53 |
EPS(TTM)0.55
EY3.31%
EPS(NY)0.92
Fwd EY5.56%
FCF(TTM)0.76
FCFY4.55%
OCF(TTM)0.83
OCFY5.02%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.72
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 | 0.53 |
F-Score6
WACC14.36%
ROIC/WACC0.32
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 2Y43.2%
EPS Next 3Y41.49%
EPS Next 5YN/A
Revenue 1Y (TTM)28.77%
Revenue growth 3Y89.29%
Revenue growth 5Y79.85%
Sales Q2Q%41.78%
Revenue Next Year12.58%
Revenue Next 2Y24.78%
Revenue Next 3Y22.78%
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 30.2 and the Price/Book (PB) ratio is 7.63.