Nu Holdings Ltd. logo

Nu Holdings Ltd.

NU

NYSEFinancial ServicesBanks - Regional

Regular session

$14.88

+$0.30 · +2.06%

Aug 24, 10:19 AM ET

NU company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

52

Neutral

Sentiment

55

Mixed

Risk resilience

59

Elevated Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
BR
CEO
David Velez Osorno
Listed since
Dec 9, 2021
Employees
8,037

Market position

Day range

Current $14.88

52-week range

Current $14.88

Open
$14.41
Previous close
$14.58
Volume
5.57M
0.08× average
Average volume
67.54M
Average daily volume
Market cap
72.07B USD
Beta
0.94
Market reference 1
50-day average
$13.731
+8.37% above average
200-day average
$15.0188
-0.92% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
71.11B USD
P/E (TTM)
20.11×
P/B (TTM)
5.45×
P/S (TTM)
3.72×
EV / EBITDA
17.91×
Earnings yield
3.55%
Free cash flow yield
4.32%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
44.03%
Operating margin
22.62%
Net margin
18.61%
Return on equity
25.41%
Return on assets
3.83%
Return on invested capital
16.31%

Financial health

Debt / equity
3.17×
Current ratio
0.59×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends52%29%6%-17%Gross margin, FY2021: 43.94%Gross margin, FY2022: 34.66%Gross margin, FY2023: 43.64%Gross margin, FY2024: 45.93%Gross margin, FY2025: 44.85%Operating margin, FY2021: -11.25%Operating margin, FY2022: -6.84%Operating margin, FY2023: 20.07%Operating margin, FY2024: 25.17%Operating margin, FY2025: 24.36%Net margin, FY2021: -10.91%Net margin, FY2022: -8.07%Net margin, FY2023: 13.44%Net margin, FY2024: 17.76%Net margin, FY2025: 18.07%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 43.94%. Gross margin FY2022 34.66%. Gross margin FY2023 43.64%. Gross margin FY2024 45.93%. Gross margin FY2025 44.85%. Operating margin FY2021 -11.25%. Operating margin FY2022 -6.84%. Operating margin FY2023 20.07%. Operating margin FY2024 25.17%. Operating margin FY2025 24.36%. Net margin FY2021 -10.91%. Net margin FY2022 -8.07%. Net margin FY2023 13.44%. Net margin FY2024 17.76%. Net margin FY2025 18.07%.

Income trends

Revenue

15.88B USD+42.99%

Operating income

3.87B USD+38.40%

Net income

2.87B USD+45.47%
Income trends across reported periods17.5B USD11.01B USD4.51B USD−1.99B USDRevenue, FY2021: 1.51B USDRevenue, FY2022: 4.52B USDRevenue, FY2023: 7.67B USDRevenue, FY2024: 11.1B USDRevenue, FY2025: 15.88B USDOperating income, FY2021: −170.16M USDOperating income, FY2022: −308.9M USDOperating income, FY2023: 1.54B USDOperating income, FY2024: 2.8B USDOperating income, FY2025: 3.87B USDNet income, FY2021: −164.99M USDNet income, FY2022: −364.58M USDNet income, FY2023: 1.03B USDNet income, FY2024: 1.97B USDNet income, FY2025: 2.87B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.51B USD. Revenue FY2022 4.52B USD. Revenue FY2023 7.67B USD. Revenue FY2024 11.1B USD. Revenue FY2025 15.88B USD. Operating income FY2021 −170.16M USD. Operating income FY2022 −308.9M USD. Operating income FY2023 1.54B USD. Operating income FY2024 2.8B USD. Operating income FY2025 3.87B USD. Net income FY2021 −164.99M USD. Net income FY2022 −364.58M USD. Net income FY2023 1.03B USD. Net income FY2024 1.97B USD. Net income FY2025 2.87B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue15.88B USD11.1B USD7.67B USD4.52B USD1.51B USD
Cost of goods sold8.76B USD6B USD4.32B USD2.95B USD847.99M USD
Gross profit7.12B USD5.1B USD3.35B USD1.57B USD664.56M USD
Selling, general, and administrative602.21M USD1.44B USD1.14B USD1.43B USD659.86M USD
Operating expenses3.25B USD2.31B USD1.81B USD1.88B USD834.73M USD
Interest income12.03B USD9.63B USD6.44B USD3.56B USD1.05B USD
Interest expense4.58B USD2.83B USD2.04B USD1.55B USD367.34M USD
Depreciation and amortization97.97M USD77.13M USD62.9M USD35.58B USD17.34M USD
Operating income3.87B USD2.8B USD1.54B USD−308.9M USD−170.16M USD
Net income2.87B USD1.97B USD1.03B USD−364.58M USD−164.99M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
+3.97%
11 comparable reports
Latest EPS result
0.22
Estimate 0.2 · Beat by 10.89%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.260.210.150.1Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 20, 2025: actual 0.12, estimate 0.119, surprise +0.76%, Beat. Q2 2025, reported May 13, 2025: actual 0.114, estimate 0.12, surprise -5.08%, Miss. Q3 2025, reported Aug 14, 2025: actual 0.14, estimate 0.133, surprise +5.03%, Beat. Q4 2025, reported Nov 13, 2025: actual 0.17, estimate 0.16, surprise +6.25%, Beat. Q1 2026, reported Feb 25, 2026: actual 0.19, estimate 0.2, surprise -4.90%, Miss. Q2 2026, reported May 14, 2026: actual 0.19, estimate 0.198, surprise -4.23%, Miss. Q3 2026, reported Aug 13, 2026: actual 0.22, estimate 0.198, surprise +10.89%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 0.22, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates6.14B4.93B3.72B2.51BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 20, 2025: actual 2.99B USD, estimate 2.76B USD, surprise +8.34%, Beat. Q2 2025, reported May 13, 2025: actual 3.25B USD, estimate 3.23B USD, surprise +0.64%, Beat. Q3 2025, reported Aug 14, 2025: actual 3.54B USD, estimate 3.19B USD, surprise +10.99%, Beat. Q4 2025, reported Nov 13, 2025: actual 4B USD, estimate 3.52B USD, surprise +13.68%, Beat. Q1 2026, reported Feb 25, 2026: actual 4.9B USD, estimate 4.55B USD, surprise +7.67%, Beat. Q2 2026, reported May 14, 2026: actual 5.88B USD, estimate 5.06B USD, surprise +16.12%, Beat. Q3 2026, reported Aug 13, 2026: actual 5.88B USD, estimate 5.39B USD, surprise +9.10%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 5.89B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$15.80

6.18% upside
Past 12 months12-month forecastHigh $19.00Average $15.80Low $13.00

NU peers

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