NU HOLDINGS LTD/CAYMAN ISL-A (NU) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:NU • KYG6683N1034

18.12 USD
+0.01 (+0.06%)
At close: Feb 3, 2026
18.18 USD
+0.06 (+0.33%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

5

NU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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 not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

6

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.
NU Yearly Net Income VS EBIT VS OCF VS FCFNU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B -2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.70%, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Return On Equity of NU (23.97%) is better than 99.48% of its industry peers.
  • NU's Return On Invested Capital of 4.61% is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
Industry RankSector 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
NU Yearly ROA, ROE, ROICNU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 20 -20

1.3 Margins

  • With a Profit Margin value of 17.97%, NU is not doing good in the industry: 71.02% 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.
  • With an excellent Gross Margin value of 42.94%, NU belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • NU's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
NU Yearly Profit, Operating, Gross MarginsNU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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2

2. Health

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.
  • Compared to 1 year ago, NU has a worse debt to assets ratio.
NU Yearly Shares OutstandingNU Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B
NU Yearly Total Debt VS Total AssetsNU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

  • Based on the Altman-Z score of 0.60, we must say that NU is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.60, NU belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 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.
  • With a Debt to FCF ratio value of 11.80, NU is not doing good in the industry: 79.37% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 3.92 is on the high side and indicates that NU has dependencies on debt financing.
  • NU has a Debt to Equity ratio of 3.92. This is amonst the worse of the industry: NU underperforms 94.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.92
Debt/FCF 11.8
Altman-Z 0.6
ROIC/WACC0.33
WACC13.76%
NU Yearly LT Debt VS Equity VS FCFNU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B 6B

2.3 Liquidity

  • NU has a Current 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 Current ratio of 0.18. This is amongst the best in the industry. NU outperforms 100.00% of its industry peers.
  • A Quick Ratio of 0.18 indicates that NU may have some problems paying its short term obligations.
  • NU's Quick ratio of 0.18 is amongst the best of the industry. NU outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
NU Yearly Current Assets VS Current LiabilitesNU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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8

3. Growth

3.1 Past

  • NU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.15%, which is quite impressive.
  • NU shows a strong growth in Revenue. In the last year, 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

  • Based on estimates for the next years, NU will show a very strong growth in Earnings Per Share. The EPS will grow by 41.19% on average per year.
  • The Revenue is expected to grow by 23.24% on average over the next years. This is a very strong growth
EPS Next Y42.16%
EPS Next 2Y43.04%
EPS Next 3Y41.19%
EPS Next 5YN/A
Revenue Next Year17.6%
Revenue Next 2Y24.99%
Revenue Next 3Y23.24%
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.
NU Yearly Revenue VS EstimatesNU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B
NU Yearly EPS VS EstimatesNU Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.2 0.4 0.6 0.8 1

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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 32.95, which means the current valuation is very expensive for NU.
  • 86.95% of the companies in the same industry are cheaper than NU, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of NU to the average of the S&P500 Index (28.18), we can say NU is valued inline with the index average.
  • A Price/Forward Earnings ratio of 19.68 indicates a rather expensive valuation of NU.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NU indicates a slightly more expensive valuation: NU is more expensive than 77.55% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, NU is valued a bit cheaper.
Industry RankSector Rank
PE 32.95
Fwd PE 19.68
NU Price Earnings VS Forward Price EarningsNU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NU is valued cheaper than 98.69% 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 RankSector Rank
P/FCF 23.95
EV/EBITDA 22.48
NU Per share dataNU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

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 41.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y43.04%
EPS Next 3Y41.19%

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0

5. Dividend

5.1 Amount

  • No dividends for NU!.
Industry RankSector Rank
Dividend Yield 0%

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NU HOLDINGS LTD/CAYMAN ISL-A

NYSE:NU (2/3/2026, 8:04:00 PM)

After market: 18.18 +0.06 (+0.33%)

18.12

+0.01 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13
Earnings (Next)02-25
Inst Owners80.56%
Inst Owner Change-0.88%
Ins Owners0.31%
Ins Owner Change0%
Market Cap87.80B
Revenue(TTM)14.08B
Net Income(TTM)2.53B
Analysts82.61
Price Target19.43 (7.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0.33%
PT rev (3m)17.74%
EPS NQ rev (1m)-1.22%
EPS NQ rev (3m)11.93%
EPS NY rev (1m)0%
EPS NY rev (3m)4.83%
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 RankSector Rank
PE 32.95
Fwd PE 19.68
P/S 6.24
P/FCF 23.95
P/OCF 21.74
P/B 8.32
P/tB 9.18
EV/EBITDA 22.48
EPS(TTM)0.55
EY3.04%
EPS(NY)0.92
Fwd EY5.08%
FCF(TTM)0.76
FCFY4.18%
OCF(TTM)0.83
OCFY4.6%
SpS2.91
BVpS2.18
TBVpS1.97
PEG (NY)0.78
PEG (5Y)N/A
Graham Number5.19
Profitability
Industry RankSector 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 RankSector 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 0.6
F-Score6
WACC13.76%
ROIC/WACC0.33
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 2Y43.04%
EPS Next 3Y41.19%
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 2Y24.99%
Revenue Next 3Y23.24%
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 32.95 and the Price/Book (PB) ratio is 8.32.