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NU stock logo

NU

Nu Holdings Ltd.

$15.14
0.38
 (2.57%)
Exchange:  NYSE
Market Cap:  73.325B
Shares Outstanding:  4.609B
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  David Velez Osorno
Full Time Employees:  8037
Address: 
Rua Capote Valente, 39
São Paulo
SP
05409-000
BR
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

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/14 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue7,669,10911,104,46415,878,616
Gross Profit3,346,9665,100,6227,121,275
EBITDA1,601,9732,872,3263,970,075.999
Operating Income1,539,0782,795,1983,868,419
Net Income1,030,5301,972,1122,868,892

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets43,345,19549,931,21475,022,199
Total Liabilities36,938,81042,284,13863,700,637
Total Stockholders Equity6,406,3857,646,28911,290,948
Total Debt1,167,672886,53437,764,306
Cash and Cash Equivalents13,370,86213,637,27110,739,217

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow1,266,1892,399,0448,508,827
Capital Expenditure-20,243-5,418-7,215
Free Cash Flow1,089,1862,393,625.9998,501,612
Net Income1,030,5301,513,8942,868,892
Net Change in Cash1,751,1243,262,3020

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)28,786,500.631Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)33,012,660.084Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)30,913,432.744Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)9,306,900.188Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)10,673,250.503Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)9,994,553.930Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)7,975,526.619Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)9,532,138.673Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)8,758,936.292Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)6,149,935.283Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)7,052,810.123Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)6,604,332.121Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)1.780Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)1.940Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)1.630Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)4Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
10.33B  ?P/S
 (TTM)
: 
3.64
?Net Income
 (TTM)
: 
1.972B  ?P/E
 (TTM)
: 
19.7
?Enterprise Value
 (TTM)
: 
102.793B  ?EV/FCF
 (TTM)
: 
-24.38
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
30.26%  ?ROIC
 (TTM)
: 
4.36%
?Net Debt
 (TTM)
: 
-9193674000  ?Debt/Equity
 (TTM)
: 
3.17
?P/B
 (TTM)
: 
5.34  ?Current Ratio
 (TTM)
: 
0.25

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
17.40Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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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.

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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

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.57
MARKETSnap

Trading Metrics:

Open: 14.72   Previous Close: 14.76
Day Low: 14.45   Day High: 15.17
Year Low: 11.2   Year High: 18.98
Price Avg 50: 13.78   Price Avg 200: 15.01
Volume: 0   Average Volume: 67.628M

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NU full analysis

15/08/2026

Hey everyone, welcome back to MarketSnap. Nu just dropped its first-ever billion-dollar quarter, and the stock is moving. Before you chase the hype or hit sell, we're checking the numbers against fair value with MarketSnap — overreaction or justified reset? Here's the headline: Nu Holdings, the Brazilian digital banking giant, reported Q2 2026 net income of one point one billion dollars. That's not just a beat — that's the first quarter the company has ever crossed the billion-dollar profit mark.…

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See in Nexus

Relevant news

Nu Holdings Still Has A Massive Growth Runway
19-08-2026 14:14
Nu Holdings Still Has A Massive Growth Runway
Is Nu Holdings' Mexico Business Finally Carrying Its Own Weight?
17-08-2026 13:20
Is Nu Holdings' Mexico Business Finally Carrying Its Own Weight?
Nu Holdings Q2: The First Billion-Dollar Quarter Deserves A Buy Rating
14-08-2026 09:45
Nu Holdings Q2: The First Billion-Dollar Quarter Deserves A Buy Rating
NU Q2 Earnings Call Highlights
14-08-2026 02:06
NU Q2 Earnings Call Highlights
Nu Holdings Ltd. (NU) Surpasses Q2 Earnings and Revenue Estimates
13-08-2026 21:27
Nu Holdings Ltd. (NU) Surpasses Q2 Earnings and Revenue Estimates
Nu Holdings Ltd. (NU) Q2 2026 Earnings Call Transcript
13-08-2026 20:17
Nu Holdings Ltd. (NU) Q2 2026 Earnings Call Transcript

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