Nu Holdings Ltd. (NU)

NYSE: NU · USD

$12.0

-0.44 (-3.5%)· Recorded snapshot

Market cap	57.8B
Revenue (ttm)	8.4B
Net income (ttm)	3.6B
EPS (ttm)	$0.73
Shares out	4.8B
P/E (trailing)	16.3x
P/E (forward)	12.2x
Volume	83,079,860
Beta	0.96

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 8.4B
Net income (ttm): 3.6B
EPS (ttm): $0.73
P/E (trailing): 16.3x
P/E (forward): 12.2x
Market cap: 57.8B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra forte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra forte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Manter

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.2

P25 n/aP50 n/aP75 n/a

Trailing P/E16.3

P25 n/aP50 n/aP75 n/a

ROE31.6

P25 n/aP50 n/aP75 n/a

ROIC106.2

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All NU indicators

Market & fundamental data

Available fields

226

Groups with data

Currency

USD

Showing 226 of 226 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001691493
Company name	Nu Holdings Ltd.
Country	Brazil
Country code	US
CUSIP number	G6683N103
Earnings date	2026-11-12
Earnings time	amc
Employees	10,027
Employees change	1,311
Employees growth	15.04%
Enterprise value	$48.5B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2013
Industry	Banks - Regional
IPO date	2021-12-09
Is primary listing	Yes
Is SPAC	No
ISIN number	KYG6683N1034
Last 10-K release date	2026-04-08
Last earnings date	2026-08-13
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$57.8B
Market cap category	Large-Cap
Next earnings date	2026-11-12
Options	Yes
Price	$11.97
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	NU
Website	https://nubank.com.br

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	15.03x
Average P/E ratio (3Y)	35.71x
Average P/E ratio (5Y)	70.2x
Earnings yield	6.14%
EV/Earnings	13.55x
EV/Sales	5.79x
FCF / EV yield	-21.13%
FCF yield	-17.76%
Forward EV/Sales	1.92x
Forward P/E	12.21x
Forward P/S	2.29x
Graham number	6.73066
Graham upside	-44.07%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$18.35
Lynch upside	52.49%
P/B ratio	4.52x
P/E ratio	16.3x
P/S ratio	6.89x
PEG ratio	0.45x
Price / tangible book value	4.81x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	17.67%
Operating margin	52.02%
Pretax margin	51.94%
Profit margin	42.73%
Profit per employee	$359,739
Profitable quarters	14
Profitable years	3
Revenue per employee	$841,934
ROA	4.96%
ROA (5Y)	1.82%
ROE	31.63%
ROE (5Y)	12.4%
ROIC	106.19%
SBC / revenue	4.19%
Tax / revenue	9.18%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	56.33%
EPS growth (Q)	66.31%
EPS growth (QoQ)	21.73%
EPS growth 3Y	257.92%
EPS growth quarters	14
EPS growth years	5
Gross profit growth	44.33%
Gross profit growth (Q)	52.15%
Gross profit growth 3Y	47.56%
Gross profit growth 5Y	72.49%
Net income growth	56.83%
Net income growth (Q)	66.48%
Net income growth (QoQ)	21.57%
Net income growth 3Y	260.74%
Net income growth quarters	14
Net income growth years	3
Operating income growth	38.64%
Operating income growth (Q)	40.96%
Operating income growth 3Y	132.16%
Revenue growth	44.33%
Revenue growth (Q)	52.15%
Revenue growth (QoQ)	24.92%
Revenue growth 3Y	47.56%
Revenue growth 5Y	72.49%
Revenue growth quarters	20
Revenue growth years	7

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-19M
Depreciation and amortization	$117.3M
EPS	$0.73
FCF per share	$-2.14
Financing cash flow	$10.5B
Free cash flow	$-10.3B
Free cash flow minus SBC	$-10.7B
Gross profit	$8.4B
Income taxes	$774.6M
Investing cash flow	$-289.9M
Net borrowing	$2.1B
Net cash flow	$282.6M
Net income	$3.6B
Operating cash flow minus SBC	$-10.7B
Operating income	$4.4B
Revenue	$8.4B
Stock-based compensation	$353.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$2.74
Debt / equity	0.44
Goodwill	$409.4M
Long-term assets	$57.2B
Long-term liabilities	$3.2B
Net cash (debt)	$9.3B
Net cash / market cap	15.95%
Net cash growth	-12.76%
Net debt / equity	-0.7
Piotroski F-Score	2
Property, plant and equipment	$105.3M
Shareholders' equity	$13.3B
Tangible book value	$12.1B
Tangible book value per share	$2.50
Total assets	$82.8B
Total cash	$15.2B
Total debt	$5.9B
Total liabilities	$69.5B
WACC	8.63%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current assets	$25.6B
Current liabilities	$66.3B
Working capital	$-40.7B
Working capital turnover	-0.26

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.26%
Dividend yield	0%
Shareholder yield	-0.26%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$13.94
1D price change	-3.51%
1M price change	-11.66%
1M total return	-11.66%
1W price change	-20.44%
1W total return	-20.44%
1Y price change	-24.97%
1Y return CAGR	-24.98%
1Y total return	-24.97%
20-day SMA	$14.60
200-day SMA	$14.51
3M price change	-17.38%
3M total return	-17.38%
3Y price change	49.88%
3Y return CAGR	14.44%
3Y total return	49.88%
50-day SMA	$14.42
50-day SMA vs 200-day SMA	50under200
52-week high	$18.98
52-week high date	2026-01-29
52-week low	$11.20
52-week low date	2026-06-03
6M price change	-18%
6M total return	-18%
After-hours change	0.29%
After-hours close	$11.97
After-hours price	$12.00
All-time high	$18.98
All-time high date	2026-01-29
All-time low	$3.26
All-time low date	2022-05-25
Average true range (ATR)	$0.77
Average volume	93.6M
Beta (1Y)	1.37
Beta (2Y)	1.28
Beta (5Y)	0.96
Change from 52-week high	-36.96%
Change from 52-week low	6.83%
Change from all-time high	-36.75%
Change from all-time low	268.25%
Change from open	-3.2%
Day's gap	-0.32%
Dollar volume	$994.1M
High price	$12.44
Low price	$11.97
Monthly RSI	45.29
Open price	$12.36
Position in 52-week range	0%
Premarket change	-0.81%
Premarket close	$12.40
Premarket price	$12.30
Premarket volume	641.8K
Previous close	$12.40
Price vs 150-day SMA	-13.86%
Price vs 20-day SMA	-17.77%
Price vs 200-day SMA	-17.25%
Price vs 50-day SMA	-16.77%
Relative volume	0.89
Return from IPO open	6.98%
Return from IPO price	33.72%
RSI	32.34
Sharpe ratio	-0.49
Sharpe ratio (3Y)	0.42
Sortino ratio	-0.53
Sortino ratio (3Y)	0.71
Volume	83.1M
Weekly RSI	41.09
YTD price change	-28.29%
YTD total return	-28.29%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	3.7B
Float percentage	77.12%
Shares change (QoQ)	-0.11%
Shares change (YoY)	0.26%
Shares held by insiders	22.82%
Shares held by institutions	62.04%
Shares outstanding	4.8B
Short % of float	3.61%
Short % of shares	2.79%
Short ratio	1.8 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	1,435

Deeper analysis on NU

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Scorecard

Frequently asked questions

About this NU report

Is a complete NU research report available?

No complete published report is available for Nu Holdings Ltd. (NU) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Nu Holdings Ltd. (NU)

Price

Financial snapshot

Fair-value bridge

Latest news · NU

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All NU indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on NU

Frequently asked questions