NU
Nu Holdings Ltd.
$14.22
▲ 1.6%Updated Today 3:42 PM ET
NU at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 69/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 1.2% over the last 12 months
Market Cap
$66.15B
P/E
21.28x
Forward P/E (est.)
15.2x
ROE
28.9%
Revenue Growth
45.4%
EPS Growth
47.5%
Profit Margin
18.2%
FCF Yield
0.6%
Debt / Equity
4.17x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
69/100
Nu Holdings Ltd. (NU) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $66.15B.
In its latest reported year it generated about $11.52B in revenue and $1.97B in net profit.
Our model rates NU Favorable (69/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (6 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
41.3% average over the last 3 years
±3.6 pts around 42.0% across 6 years
grew in 5 of the last 5 year-over-year periods
positive in 5 of 6 years
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what NU's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. NU trades near $14.22, around its 50-day average ($13.07) and 200-day average ($15.27). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 79 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. NU's is $0.47 (~3.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month NU found buyers near $11.51 (support) and sellers near $13.93 (resistance); its 52-week range is $11.20–$18.98. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.4× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
98.8%
Revenue moved from $612.11M in 2019 to $11.52B in 2024, a 79.8% compound annual growth rate. The most recent year grew a strong 45.4% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
45.6%
Operating Margin
23.0%
Net Margin
17.1%
ROE
28.9%
Nu Holdings Ltd. keeps about 18.2% of each sales dollar as net profit, with a 45.6% gross margin and 23.0% operating margin. Return on equity is 28.9%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$1.73B
Net Debt
-$7.46B
Net cash position
Net Debt / EBITDA
—
Debt / Equity
4.17x
Leverage: debt-to-equity is 4.2x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $1.73B of total debt against $9.19B of cash.
Operating CF
$2.40B
Free Cash Flow
$2.40B
FCF Margin
20.8%
In the latest year Nu Holdings Ltd. produced about $2.40B of operating cash flow and $2.40B of free cash flow after capital spending. That is a free-cash-flow yield of about 0.6% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
21.28x
P/S
4.19x
P/B
7.24x
EV / EBITDA
—
NU trades at 21.3x trailing earnings (about 15.2x on estimated forward earnings), 4.2x sales, and 7.2x book value. That is a fairly typical valuation for a profitable company.
Where NU sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How NU stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), NU ranks #46 of 289 by our overall rating. It trades at a premium versus the sector on earnings (21.3x P/E vs. 15.3x median) with a higher return on equity (28.9% vs. 13.6%) and faster revenue growth (45.4% vs. 15.9%).
P/E vs sector
21.3x
median 15.3x
ROE vs sector
28.9%
median 13.6%
Growth vs sector
45.4%
median 15.9%
Sector rank
#46
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $14.22 today · expected CAGR 20% – 32%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $16.70B | $24.21B | $35.11B | $50.91B | $73.82B |
| Net income | $2.84B | $4.12B | $5.97B | $8.65B | $12.55B |
| EPS | $0.61 | $0.88 | $1.28 | $1.86 | $2.70 |
| Share price (low) | $7.93 | $11.50 | $16.68 | $24.19 | $35.07 |
| Share price (high) | $12.82 | $18.58 | $26.94 | $39.07 | $56.65 |
| CAGR (low–high) | -44% / -10% | -10% / 14% | 5% / 24% | 14% / 29% | 20% / 32% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for NU:
- Revenue is growing 45.4% a year, a sign of real demand.
- High net margins (18.2%) point to pricing power or efficiency.
- Strong return on equity (28.9%) shows capital is put to work well.
- Our model's overall read is Favorable (69/100).
The case against NU:
- Elevated leverage (debt/equity 4.2x) adds financial risk.
- Limited free cash flow at today's price.
Balance-sheet risk — debt/equity of 4.2x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Nu Holdings Ltd. is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 21.3x earnings, which our model scores Favorable (69/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 26 Wall Street analysts covering NU recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-7 pts of buy ratings).
Latest SEC Filings
NU's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
NU — frequently asked questions
Is NU a good stock to buy?
We don't give buy or sell advice. Our model rates Nu Holdings Ltd. Favorable (69/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is NU's rating on The Stocks School?
Nu Holdings Ltd. currently scores 69/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does NU's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Nu Holdings Ltd.'s SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for NU calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this NU analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell NU. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.