NU HOLDINGS LTD/CAYMAN ISL-A (NU) Fundamental Analysis & Valuation
NYSE:NU • KYG6683N1034
15.285 USD
+0.53 (+3.56%)
Last: Mar 4, 2026, 10:02 AM
This NU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, NU scores 5 out of 10 in our fundamental rating. 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. NU Profitability Analysis
1.1 Basic Checks
- NU had positive earnings in the past year.
- 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.
- NU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of NU (3.83%) is better than 100.00% of its industry peers.
- The Return On Equity of NU (25.41%) is better than 99.21% of its industry peers.
- NU has a Return On Invested Capital of 4.70%. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
- NU had an Average Return On Invested Capital over the past 3 years of 4.53%. This is in line with the industry average of 2.75%.
- The last Return On Invested Capital (4.70%) for NU is above the 3 year average (4.53%), which is a sign of increasing profitability.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 18.19%, NU is not doing good in the industry: 72.82% of the companies in the same industry are doing better.
- NU has a Operating Margin of 24.55%. This is amongst the best in the industry. NU outperforms 98.42% of its industry peers.
- NU's Gross Margin of 42.00% is amongst the best of the industry. NU outperforms 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 Rank | Sector 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%
2. NU Health Analysis
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
- 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 0.44. 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 0.44, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- NU has a debt to FCF ratio of 14.92. This is a negative value and a sign of low solvency as NU would need 14.92 years to pay back of 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.
- NU has a Debt to Equity ratio of 4.17. This is amonst the worse of the industry: NU underperforms 95.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.17 | ||
| Debt/FCF | 14.92 | ||
| Altman-Z | 0.44 |
ROIC/WACC0.41
WACC11.58%
2.3 Liquidity
- NU has a Current 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.
- NU has a better Current ratio (0.20) than 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 |
3. NU Growth Analysis
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.
- Measured over the past years, NU shows a very strong growth in Earnings Per Share. The EPS has been growing by 153.63% on average per year.
- The Revenue has grown by 36.97% in the past year. This is a very strong growth!
- Measured over the past years, NU shows a very strong growth in Revenue. The Revenue has been growing by 84.54% on average per year.
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 37.55% 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 27.11% on average per year.
EPS Next Y48.15%
EPS Next 2Y41.55%
EPS Next 3Y37.55%
EPS Next 5YN/A
Revenue Next Year35.68%
Revenue Next 2Y28.31%
Revenue Next 3Y27.11%
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. NU Valuation Analysis
4.1 Price/Earnings Ratio
- NU is valuated rather expensively with a Price/Earnings ratio of 24.65.
- Based on the Price/Earnings ratio, NU is valued more expensive than 85.22% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.83, NU is valued at the same level.
- Based on the Price/Forward Earnings ratio of 16.64, the valuation of NU can be described as correct.
- NU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NU is more expensive than 75.99% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of NU to the average of the S&P500 Index (24.95), we can say NU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.65 | ||
| Fwd PE | 16.64 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NU is valued cheaper than 98.94% of the companies 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.44 | ||
| EV/EBITDA | 16.43 |
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 37.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y41.55%
EPS Next 3Y37.55%
5. NU Dividend Analysis
5.1 Amount
- No dividends for NU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NU Fundamentals: All Metrics, Ratios and Statistics
NYSE:NU (3/4/2026, 10:02:10 AM)
15.285
+0.53 (+3.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)05-11 2026-05-11
Inst Owners80.56%
Inst Owner Change1.72%
Ins Owners0.31%
Ins Owner Change0%
Market Cap74.06B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts82.61
Price Target19.91 (30.26%)
Short Float %2.53%
Short Ratio1.83
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)1
Avg EPS beat(2)1.53%
Min EPS beat(2)-0.56%
Max EPS beat(2)3.62%
EPS beat(4)2
Avg EPS beat(4)0.17%
Min EPS beat(4)-6.52%
Max EPS beat(4)4.16%
EPS beat(8)5
Avg EPS beat(8)3.65%
EPS beat(12)8
Avg EPS beat(12)9.18%
EPS beat(16)12
Avg EPS beat(16)33.96%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.65 | ||
| Fwd PE | 16.64 | ||
| P/S | 4.7 | ||
| P/FCF | 23.44 | ||
| P/OCF | 21.16 | ||
| P/B | 6.56 | ||
| P/tB | 7.2 | ||
| EV/EBITDA | 16.43 |
EPS(TTM)0.62
EY4.06%
EPS(NY)0.92
Fwd EY6.01%
FCF(TTM)0.65
FCFY4.27%
OCF(TTM)0.72
OCFY4.73%
SpS3.26
BVpS2.33
TBVpS2.12
PEG (NY)0.51
PEG (5Y)N/A
Graham Number5.7
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.44 |
F-Score3
WACC11.58%
ROIC/WACC0.41
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 Y48.15%
EPS Next 2Y41.55%
EPS Next 3Y37.55%
EPS Next 5YN/A
Revenue 1Y (TTM)36.97%
Revenue growth 3Y48.76%
Revenue growth 5Y84.54%
Sales Q2Q%56.77%
Revenue Next Year35.68%
Revenue Next 2Y28.31%
Revenue Next 3Y27.11%
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 24.65 and the Price/Book (PB) ratio is 6.56.