
Nu Holdings Ltd.
NUNYSEFinancial ServicesBanks - Regional
Regular session
$14.88
+$0.30 · +2.06%
NU company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
100
Deep Value
Momentum
52
Neutral
Sentiment
55
Mixed
Risk resilience
59
Elevated Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteNu 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 15.88B USD | 11.1B USD | 7.67B USD | 4.52B USD | 1.51B USD |
| Cost of goods sold | 8.76B USD | 6B USD | 4.32B USD | 2.95B USD | 847.99M USD |
| Gross profit | 7.12B USD | 5.1B USD | 3.35B USD | 1.57B USD | 664.56M USD |
| Selling, general, and administrative | 602.21M USD | 1.44B USD | 1.14B USD | 1.43B USD | 659.86M USD |
| Operating expenses | 3.25B USD | 2.31B USD | 1.81B USD | 1.88B USD | 834.73M USD |
| Interest income | 12.03B USD | 9.63B USD | 6.44B USD | 3.56B USD | 1.05B USD |
| Interest expense | 4.58B USD | 2.83B USD | 2.04B USD | 1.55B USD | 367.34M USD |
| Depreciation and amortization | 97.97M USD | 77.13M USD | 62.9M USD | 35.58B USD | 17.34M USD |
| Operating income | 3.87B USD | 2.8B USD | 1.54B USD | −308.9M USD | −170.16M USD |
| Net income | 2.87B USD | 1.97B USD | 1.03B 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
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$15.80
6.18% upsideNU peers
ETFs holding NU
Funds reporting this stock among their holdings, ordered by reported position size.
iShares MSCI Brazil ETFEWZ773.96M9.75%7.97B USD0.59%$35.12+0.17%
iShares Core MSCI Emerging Markets ETFIEMG606.61M0.38%160B USD0.09%$80.275-1.59%
iShares Latin America 40 ETFILF324.61M8.72%3.72B USD0.47%$34.72+0.12%
iShares Russell 1000 Growth ETFIWF190.81M0.15%125.47B USD0.18%$120.91-1.21%
iShares MSCI Emerging Markets ETFEEM134.75M0.43%31.22B USD0.72%$65.91-1.80%
iShares MSCI Emerging Markets ex China ETFEMXC134.72M0.54%24.86B USD0.25%$96.04-1.80%
Capital Group International Focus Equity ETFCGXU104.54M1.58%6.62B USD0.54%$34.705-1.24%
Vanguard Russell 1000 Growth ETFVONG79.81M0.15%51.6B USD0.06%$124.47-1.21%
iShares MSCI Brazil ETFEWZ- Market value
- 773.96M
- Weight
- 9.75%
- AUM
- 7.97B USD
- Expense ratio
- 0.59%
- Price / 1D
- $35.12+0.17%
iShares Core MSCI Emerging Markets ETFIEMG- Market value
- 606.61M
- Weight
- 0.38%
- AUM
- 160B USD
- Expense ratio
- 0.09%
- Price / 1D
- $80.275-1.59%
iShares Latin America 40 ETFILF- Market value
- 324.61M
- Weight
- 8.72%
- AUM
- 3.72B USD
- Expense ratio
- 0.47%
- Price / 1D
- $34.72+0.12%
iShares Russell 1000 Growth ETFIWF- Market value
- 190.81M
- Weight
- 0.15%
- AUM
- 125.47B USD
- Expense ratio
- 0.18%
- Price / 1D
- $120.91-1.21%
iShares MSCI Emerging Markets ETFEEM- Market value
- 134.75M
- Weight
- 0.43%
- AUM
- 31.22B USD
- Expense ratio
- 0.72%
- Price / 1D
- $65.91-1.80%
iShares MSCI Emerging Markets ex China ETFEMXC- Market value
- 134.72M
- Weight
- 0.54%
- AUM
- 24.86B USD
- Expense ratio
- 0.25%
- Price / 1D
- $96.04-1.80%
Capital Group International Focus Equity ETFCGXU- Market value
- 104.54M
- Weight
- 1.58%
- AUM
- 6.62B USD
- Expense ratio
- 0.54%
- Price / 1D
- $34.705-1.24%
Vanguard Russell 1000 Growth ETFVONG- Market value
- 79.81M
- Weight
- 0.15%
- AUM
- 51.6B USD
- Expense ratio
- 0.06%
- Price / 1D
- $124.47-1.21%
Continue in GoAI
Research NUresearch.disclaimer





