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Earnings transcript
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NU
Nu Holdings Ltd.
$14.09
-0.1
(-0.7%)
| Exchange: | NYSE |
| Market Cap: | 68.24B |
| Shares Outstanding: | 4.609B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | David Velez Osorno | |||||
| Full Time Employees: | 8037 | |||||
| Address: |
| |||||
| Website: | https://nubank.com.br |
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 7,669,109 | 11,104,464 | 15,878,616 |
| Gross Profit | 3,346,966 | 5,100,622 | 7,121,275 |
| EBITDA | 1,601,973 | 2,872,326 | 3,970,075.999 |
| Operating Income | 1,539,078 | 2,795,198 | 3,868,419 |
| Net Income | 1,030,530 | 1,972,112 | 2,868,892 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 43,345,195 | 49,931,214 | 75,022,199 |
| Total Liabilities | 36,938,810 | 42,284,138 | 63,700,637 |
| Total Stockholders Equity | 6,406,385 | 7,646,289 | 11,290,948 |
| Total Debt | 1,167,672 | 886,534 | 37,764,306 |
| Cash and Cash Equivalents | 13,370,862 | 13,637,271 | 10,739,217 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,266,189 | 2,399,044 | 8,508,827 |
| Capital Expenditure | -20,243 | -5,418 | -7,215 |
| Free Cash Flow | 1,089,186 | 2,393,625.999 | 8,501,612 |
| Net Income | 1,030,530 | 1,513,894 | 2,868,892 |
| Net Change in Cash | 1,751,124 | 3,262,302 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 28,995,644.979 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 33,347,906.048 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 30,913,432.744 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 9,374,518.187 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 10,781,638.138 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 9,994,553.930 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 7,979,894.162 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 9,568,551.225 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 8,679,927.925 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 6,194,616.790 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 7,124,431.923 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 6,604,332.121 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 1.770 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 1.950 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 1.630 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 4 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: Nu Holdings reported strong financial results in Q3 2024, as highlighted in the earnings call transcript, with significant growth in revenue and net income. Key metrics such as return on equity (ROE) and net profit margin (TTM) reflect operational efficiency and profitability compared to industry benchmarks.
- Strong Cash Flow Generation: Analysis of the cash flow statements indicates consistent positive net cash from operating activities and healthy free cash flow (TTM), demonstrating the company’s ability to fund operations and potential expansions without excessive reliance on external financing.
- Market Position and Growth: The company has shown impressive performance metrics over multiple time frames (1-week, 1-month, 3-month, 6-month, and 1-year), often outperforming industry averages within the financial technology sector, as per the provided performance data.
- Low Debt Levels: The balance sheet data reveals a manageable debt-to-equity ratio (TTM), indicating a conservative capital structure that reduces financial risk and enhances investor confidence.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates NU intrinsic value between $7.20 – $13.27 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about NU valuation
Is Nu Holdings Ltd. (NU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Nu Holdings Ltd. (NU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is NU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is NU’s P/E ratio?
You can see NU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for NU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is NU a good long-term investment?
Whether NU fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
NU
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Daily snapshot
-0.7
Trading Metrics:
| Open: | 14.25 | Previous Close: | 14.19 | |
| Day Low: | 14.01 | Day High: | 14.35 | |
| Year Low: | 11.2 | Year High: | 18.98 | |
| Price Avg 50: | 12.98 | Price Avg 200: | 15.14 | |
| Volume: | 90.85M | Average Volume: | 64.106M |
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Welcome to MARKETSNAP’s SWOT analysis for Nu Holdings! If you’re a long-term investor looking to build wealth and dig into promising stocks, you’re in the right place. Today, we’re breaking down Nu Holdings, a digital banking powerhouse that’s been making waves in the fintech space. For those who might not be as familiar, Nu Holdings is a Brazil-based company in the financial services industry, operating primarily as a digital bank with a strong focus on Latin America. They’ve positioned themselves…
