NU HOLDINGS LTD/CAYMAN ISL-A (NU) Fundamental Analysis & Valuation
NYSE:NU • KYG6683N1034
14.185 USD
-0.3 (-2.1%)
Last: Mar 12, 2026, 10:47 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 381 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. NU Profitability Analysis
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.
- Of the past 5 years NU 4 years had a positive operating cash flow.
1.2 Ratios
- NU has a better Return On Assets (3.83%) than 100.00% of its industry peers.
- NU's Return On Equity of 25.41% is amongst the best of the industry. NU outperforms 98.95% 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 2.74%.
- The 3 year average ROIC (4.53%) for NU is below the current ROIC(4.70%), indicating increased profibility in the last year.
| 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
- The Profit Margin of NU (18.19%) is worse than 74.80% of its industry peers.
- Looking at the Operating Margin, with a value of 24.55%, NU belongs to the top of the industry, outperforming 98.43% of the companies in the same industry.
- NU has a better Gross Margin (42.00%) than 100.00% of its industry peers.
- NU's Gross Margin has been stable in the last couple of years.
| 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
- NU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for NU has been increased compared to 1 year ago.
- Compared to 5 years ago, NU has more shares outstanding
- Compared to 1 year ago, NU has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.42, we must say that NU is in the distress zone and has some risk of bankruptcy.
- With an excellent Altman-Z score value of 0.42, 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 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.
- NU's Debt to FCF ratio of 14.92 is on the low side compared to the rest of the industry. NU is outperformed by 79.27% of its industry peers.
- A Debt/Equity ratio of 4.17 is on the high side and indicates that NU has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 4.17, NU is doing worse than 95.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.17 | ||
| Debt/FCF | 14.92 | ||
| Altman-Z | 0.42 |
ROIC/WACC0.41
WACC11.5%
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.
- Looking at the Current ratio, with a value of 0.20, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- A Quick Ratio of 0.20 indicates that NU may have some problems paying its short term obligations.
- NU has a better Quick ratio (0.20) 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
- The Earnings Per Share has grown by an impressive 37.78% over the past year.
- 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.
- NU shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.97%.
- 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 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
- 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.
4. NU Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 22.88, NU is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of NU indicates a rather expensive valuation: NU more expensive than 85.56% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of NU to the average of the S&P500 Index (26.15), we can say NU is valued inline with the index average.
- NU is valuated correctly with a Price/Forward Earnings ratio of 15.44.
- NU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NU is more expensive than 76.64% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of NU to the average of the S&P500 Index (24.27), we can say NU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.88 | ||
| Fwd PE | 15.44 |
4.2 Price Multiples
- 98.95% of the companies in the same industry are more expensive than NU, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of NU indicates a slightly more expensive valuation: NU is more expensive than 76.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.75 | ||
| EV/EBITDA | 16.1 |
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 37.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y41.55%
EPS Next 3Y37.55%
5. NU Dividend Analysis
5.1 Amount
- NU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NU Fundamentals: All Metrics, Ratios and Statistics
NYSE:NU (3/12/2026, 10:47:10 AM)
14.185
-0.3 (-2.1%)
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 Change1.71%
Ins Owners0.31%
Ins Owner Change0%
Market Cap68.73B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts82.61
Price Target19.91 (40.36%)
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)0%
PT rev (3m)2.8%
EPS NQ rev (1m)2.3%
EPS NQ rev (3m)1.57%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)-1.85%
Revenue NQ rev (1m)7.04%
Revenue NQ rev (3m)6.28%
Revenue NY rev (1m)2.15%
Revenue NY rev (3m)3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.88 | ||
| Fwd PE | 15.44 | ||
| P/S | 4.36 | ||
| P/FCF | 21.75 | ||
| P/OCF | 19.64 | ||
| P/B | 6.09 | ||
| P/tB | 6.69 | ||
| EV/EBITDA | 16.1 |
EPS(TTM)0.62
EY4.37%
EPS(NY)0.92
Fwd EY6.48%
FCF(TTM)0.65
FCFY4.6%
OCF(TTM)0.72
OCFY5.09%
SpS3.26
BVpS2.33
TBVpS2.12
PEG (NY)0.48
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 | 0.42 |
F-Score3
WACC11.5%
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 22.88 and the Price/Book (PB) ratio is 6.09.