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Earnings transcript
Read the complete earnings call transcript.
NU
Nu Holdings Ltd.
$11.88
0.28
(2.41%)
| Exchange: | NYSE |
| Market Cap: | 57.536B |
| Shares Outstanding: | 4.609B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Diversified | |||||
| CEO: | David Velez-Osomo | |||||
| Full Time Employees: | 5403 | |||||
| Address: |
| |||||
| Website: | https://www.nubank.com.br |
Nu Holdings Ltd. operates as a technology-driven enterprise delivering digital financial services, with its primary operations spanning Brazil, Mexico, and Colombia. It supplies a variety of financial instruments, including Nu and Ultraviolet branded credit and debit cards, alongside comprehensive mobile payment capabilities. These features allow NuAccount customers to effortlessly process transfers, manage bill payments, and perform everyday purchases via their smartphones. The firm also offers savings mechanisms like Nu Personal Accounts, a holistic digital banking solution catering to all personal financial needs, from routine expenditures and money transfers to accumulating savings. For business owners, it provides Nu business accounts specifically designed to support their entrepreneurial ventures. Beyond these, Nu Holdings presents NuInvest, an investment platform offering diverse products such as equities, fixed-income securities, options, and ETFs, in addition to multimarket funds with curated asset allocations individualized based on a client’s risk appetite and financial status. Its service offerings further encompass personal unsecured loans; an in-app “buy now, pay later” feature for Nu cardholders to amortize credit, debit, and banking slip payments over up to twelve installments; and NuInsurance solutions, which aid customers in securing life insurance and funeral benefits. The company was established in 2013 and is headquartered in Sao Paulo, Brazil.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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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 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 28,792,848.839 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 33,446,036.433 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 30,910,087.621 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 9,308,952.613 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 10,813,364.457 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 9,993,472.426 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 7,922,821.658 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 9,624,936.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 8,697,299.951 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 6,151,291.512 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 7,145,396.455 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 6,603,617.470 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.770 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.960 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.610 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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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
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
2.41
Trading Metrics:
| Open: | 11.72 | Previous Close: | 11.6 | |
| Day Low: | 11.66 | Day High: | 12.04 | |
| Year Low: | 11.2 | Year High: | 18.98 | |
| Price Avg 50: | 13.77 | Price Avg 200: | 15.47 | |
| Volume: | 45.591M | Average Volume: | 53.085M |
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Login — it's freeNU full analysis
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…
