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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 Framework: Banks & Lenders Large Cap
Nu Holdings Ltd. (NU), is a Large Cap company, in the Banks - Regional industry, last closed at $12.19, about 78.3% overvalued vs fair value, -1.6% 1Y return, ranked 744/1037 in sector.
Metrics Rev Growth 92.0% ROE 30.3% Gross Margin 44.9%
USD 12.19
0.83%
(Delayed)
• Vol 90d: 43.9%
52-Week Range
Market Cap
$56.49B
Enterprise Value
$39.04B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 48%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Aug 13 Estimated

Fair Value Snapshot

Bear Base Bull
$1
$3
$5
Current: $12.19 -78% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$13.4B
39.5%%
Interest Expense
$4.6B
Net Interest Income
$8.9B
30.3%%
Total Revenue
$10.6B
28.5%%
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
25.4%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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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
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
49
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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 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing NU's balance between Growth (39.7%), Profitability (31.2%), and Safety (29.1%). Growth 40% Safety 29% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

94th percentile vs peers
94
Key Signals
Asset Growth YoY 50.2% 98p NII Growth YoY 54.4% 96p EPS Growth YoY 90.1% 89p Equity Growth YoY 19.4% 88p
Strengths
  • Growth performance in top 20% of peers (percentile: 94)
  • Asset Growth YoY in top 20% of peers (50.2%, 98th percentile)
  • NII Growth YoY in top 20% of peers (54.4%, 96th percentile)
  • EPS Growth YoY in top 20% of peers (90.1%, 89th percentile)
  • Equity Growth YoY in top 20% of peers (19.4%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

74th percentile vs peers
74
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
69
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$2.65
- - -
-78.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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