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Company Analysis

Nu Holdings Ltd. NU

A comprehensive view of key metrics, scores, and financial health for Nu Holdings Ltd.

Overview of Nu Holdings Ltd.

NU NYQ
Financial Services Banks - Regional Large Cap
Nu Holdings Ltd. (NU), is a Large Cap company, in the Banks - Regional industry, last closed at $13.89, about 83.9% overvalued vs fair value, +17.5% 1Y return, ranked 747/1004 in sector.
$13.89
-0.57%
As of March 13, 2026
Previous close • Vol 90d: 40.1%
52-Week Range
Market Cap
$70.80B
Enterprise Value
$97.82B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.nubank.com.br
HQ São Paulo, SP
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$1
$2
$4
Current: $13.89 -84% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$9.6B
49.6%%
Interest Expense
$4.6B
Net Interest Income
$6.8B
54.4%%
Total Revenue
$15.9B
92%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
25.8%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$934.1M
47.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Nu Holdings Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NU's balance between Growth (33.9%), Profitability (29.2%), and Safety (36.9%). Growth 34% Safety 37% Profitability 29%

Click axes to expand details. Marker shows current allocation.

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Growth

91th percentile vs peers
91
Key Signals
Revenue CAGR 3Y 74.8% 99p Asset Growth YoY 50.2% 98p Rev Growth YoY 92.0% 78p
Strengths
  • Growth performance in top 20% of peers (percentile: 91)
  • Revenue Cagr 3Y in top 20% of peers (74.8%, 99th percentile)
  • Asset Growth Yoy in top 20% of peers (50.2%, 98th percentile)
  • Roe in top 20% of peers (28.1%, 99th percentile)
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

99th percentile vs peers
99
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Nu Holdings Ltd..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$2.23
- - -
-83.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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