NU HOLDINGS LTD/CAYMAN ISL-A (NU) Fundamental Analysis & Valuation
NYSE:NU • KYG6683N1034
14.58 USD
-0.24 (-1.62%)
At close: Mar 6, 2026
14.7 USD
+0.12 (+0.82%)
After Hours: 3/6/2026, 4:25:07 PM
This NU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall NU gets a fundamental rating of 5 out of 10. We evaluated NU against 379 industry peers in the Banks industry. There are concerns on the financial health of NU while its profitability can be described as average. NU is not priced too expensively while it is growing strongly. 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.
- 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
- Looking at the Return On Assets, with a value of 3.83%, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- With an excellent Return On Equity value of 25.41%, NU belongs to the best of the industry, outperforming 99.21% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 4.70%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- 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 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
- NU has a Profit Margin of 18.19%. This is in the lower half of the industry: NU underperforms 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.
- 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.
- 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
- Based on the Altman-Z score of 0.44, we must say that NU is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of NU (0.44) is better than 100.00% of its industry peers.
- 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.
- NU has a Debt to FCF ratio of 14.92. This is in the lower half of the industry: NU underperforms 79.95% 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 95.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.17 | ||
| Debt/FCF | 14.92 | ||
| Altman-Z | 0.44 |
ROIC/WACC0.41
WACC11.59%
2.3 Liquidity
- A Current Ratio of 0.20 indicates that NU may have some problems paying its short term obligations.
- NU's Current ratio of 0.20 is amongst the best of 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.
- NU has a Quick ratio of 0.20. This is amongst the best in the industry. NU outperforms 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.
- NU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 153.63% yearly.
- 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
- The Price/Earnings ratio is 23.52, which indicates a rather expensive current valuation of NU.
- NU's Price/Earnings ratio is rather expensive when compared to the industry. NU is more expensive than 85.49% of the companies in the same industry.
- When comparing the Price/Earnings ratio of NU to the average of the S&P500 Index (26.69), we can say NU is valued inline with the index average.
- The Price/Forward Earnings ratio is 15.87, which indicates a correct valuation of NU.
- NU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NU is more expensive than 76.52% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.79. NU is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.52 | ||
| Fwd PE | 15.87 |
4.2 Price Multiples
- 98.94% of the companies in the same industry are more expensive than NU, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, NU is valued a bit more expensive than 75.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.36 | ||
| EV/EBITDA | 16.5 |
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.
- The decent profitability rating of NU may justify a higher PE ratio.
- A more expensive valuation may be justified as NU's earnings are expected to grow with 37.55% in the coming years.
PEG (NY)0.49
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
14.58
-0.24 (-1.62%)
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 Cap70.65B
Revenue(TTM)15.77B
Net Income(TTM)2.87B
Analysts82.61
Price Target19.91 (36.56%)
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 | 23.52 | ||
| Fwd PE | 15.87 | ||
| P/S | 4.48 | ||
| P/FCF | 22.36 | ||
| P/OCF | 20.18 | ||
| P/B | 6.26 | ||
| P/tB | 6.87 | ||
| EV/EBITDA | 16.5 |
EPS(TTM)0.62
EY4.25%
EPS(NY)0.92
Fwd EY6.3%
FCF(TTM)0.65
FCFY4.47%
OCF(TTM)0.72
OCFY4.95%
SpS3.26
BVpS2.33
TBVpS2.12
PEG (NY)0.49
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
WACC11.59%
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 23.52 and the Price/Book (PB) ratio is 6.26.