Nu Holdings Ltd. (NU)

Price$11.97

Value ScoreD

Growth ScoreB

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-39.09%

Price vs S&P 500 (4W)-13.25%

VGM Score51.45

Market Capitalization$58.18B

P/E Ratio (Annual)20.28x

All Metrics

P/CF (Annual)16.62x

Book Value / Share (Quarterly)$2.59

P/TBV (Annual)7.46x

Revenue Growth (3Y)48.76%

Cash Flow / Share (Quarterly)$-0.47

Price vs S&P 500 (YTD)-36.65%

Gross Margin (TTM)40.99%

Net Profit Margin (TTM)18.20%

EPS (TTM)$0.65

10-Day Avg Trading Volume74.01M

EPS Excl Extra (TTM)$0.65

Revenue Growth (5Y)84.54%

EPS (Annual)$0.58

ROI (Annual)4.91%

Gross Margin (Annual)42.00%

Net Profit Margin (5Y Avg)6.16%

Cash / Share (Quarterly)$2.00

P/E Basic Excl Extra (TTM)18.27x

Revenue Growth QoQ (YoY)52.97%

P/E Normalized (Annual)20.28x

ROA (Last FY)3.83%

Revenue Growth TTM (YoY)45.44%

EBITD / Share (TTM)$0.62

ROE (5Y Avg)11.22%

Operating Margin (TTM)23.02%

Cash Flow / Share (Annual)$0.65

P/B Ratio4.62x

P/B Ratio (Quarterly)5.44x

Net Income / Employee (Annual)$286,100

EV / Revenue (TTM)5.53x

Net Interest Coverage (TTM)-0.91x

ROA (TTM)4.49%

EPS Growth QoQ (YoY)55.93%

EV / EBITDA (TTM)31.89x

EPS Incl Extra (Annual)$0.58

Current Ratio (Annual)0.20x

Quick Ratio (Quarterly)0.17x

3-Month Avg Trading Volume55.61M

52-Week Price Return-1.16%

EV / Free Cash Flow (Annual)30.61x

P/E Incl Extra (TTM)18.27x

Revenue / Employee (TTM)$1,744,800

Tangible BV / Share (Quarterly)$2.45

P/S Ratio (Annual)3.69x

Asset Turnover (Annual)0.21x

52-Week High$18.98

Operating Margin (5Y Avg)10.30%

EPS Excl Extra (Annual)$0.58

CapEx CAGR (5Y)111.85%

26-Week Price Return-31.17%

Quick Ratio (Annual)0.19x

13-Week Price Return-19.23%

Total Debt / Equity (Annual)4.17x

Current Ratio (Quarterly)0.17x

Enterprise Value$96.73B

Revenue / Share Growth (5Y)82.24%

Asset Turnover (TTM)0.25x

Revenue / Employee (Annual)$1,573,200

Pretax Margin (Annual)24.52%

Cash / Share (Annual)$2.21

3-Month Return Std Dev39.41%

Gross Margin (5Y Avg)41.79%

Net Income / Employee (TTM)$317,500

ROE (Last FY)25.41%

EPS Basic Excl Extra (Annual)$0.58

P/FCF (TTM)12.22x

Receivables Turnover (TTM)7.14x

EV / Free Cash Flow (TTM)222.71x

Total Debt / Equity (Quarterly)3.83x

EPS Incl Extra (TTM)$0.65

ROI (TTM)5.72%

P/S Ratio (TTM)3.33x

Pretax Margin (5Y Avg)10.30%

Revenue / Share (Annual)$3.21

Tangible BV / Share (Annual)$2.20

Forward P/E14.01x

Free OCF CAGR (5Y)26.66%

Price vs S&P 500 (52W)-25.52%

P/E Ratio (TTM)18.27x

EPS Growth TTM (YoY)47.52%

Year-to-Date Return-28.49%

5-Day Price Return-7.85%

EPS Normalized (Annual)$0.58

ROA (5Y Avg)1.62%

Net Profit Margin (Annual)18.19%

Month-to-Date Return-8.83%

Cash Flow / Share (TTM)$0.09

EBITD / Share (Annual)$0.81

Operating Margin (Annual)24.52%

LT Debt / Equity (Annual)0.17x

P/CF (TTM)15.83x

ROI (5Y Avg)2.09%

P/E Excl Extra (TTM)18.27x

LT Debt / Equity (Quarterly)0.14x

EPS Basic Excl Extra (TTM)$0.65

P/TBV (Quarterly)5.76x

P/B Ratio (Annual)7.07x

Pretax Margin (TTM)23.02%

Book Value / Share (Annual)$2.33

Price vs S&P 500 (13W)-27.49%

Beta0.97x

P/FCF (Annual)18.41x

Revenue / Share (TTM)$3.56

ROE (TTM)28.94%

52-Week Low$11.20

vGradeD

gGradeB

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.18est. 0.20

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.13

4.17

4.16

Industry Peers — Finance Services(153)

Symbol	Value Score	Growth Score	Momentum Score	Price
NUNu Holdings Ltd.	D	B	C	$11.97
AXPAmerican Express Company	D	B	B	$310.66
MSTRStrategy Inc Common Stock Class A	D	D	D	$120.44
COINCoinbase Global, Inc. Class A Common Stock	D	C	D	$152.40
SYFSYNCHRONY FINANCIAL	B	C	B	$70.84
SOFISoFi Technologies, Inc. Common Stock	D	B	C	$16.03
CRCLCircle Internet Group, Inc.	D	C	C	$80.28
IRENIREN Limited Ordinary Shares	F	B	B	$54.35
WULFTeraWulf Inc. Common Stock	F	B	A	$24.00
HUTHut 8 Corp. Common Stock	F	A	A	$112.24
RIOTRiot Platforms, Inc. Common Stock	D	C	A	$24.66

About

Nu Holdings Ltd operates a digital banking platform in Brazil offering retail and business customers credit cards, personal loans, investments, insurance, and payment services. The company leverages a technology-driven model to deliver low-cost financial services with a focus on digital accessibility. Brazil accounts for the majority of the company's revenue.