/NU
Nu Holdings Ltd.
NU • NYSENU • NYSE • Financial Services
$14.58-1.62%-0.24
$14.58-1.62%(-0.24)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
76Low Risk
Momentum
32Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
44.8%▼1.1pp
Revenue after COGS
Operating
24.4%▼0.8pp
After operating expenses
Net
18.1%▲0.3pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
28.2
Price vs earnings
EV/EBITDA
27.2
Enterprise value
FCF Yield
10.5%
Cash generation
Earnings Yield
3.5%
Inverse of P/E
Capital Efficiency
10
GoAI Quality ScoreFair
ROEReturn on Equity
25.4%Strong
ROAReturn on Assets
3.8%Fair
ROICReturn on Invested Capital
3.8%Fair
Financial Health
Current RatioWeak
0.40
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
6.81x
Debt repayment capacity (<3x)
Income QualityStrong
2.97
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $15.88B | $11.10B | $7.67B | $4.52B | $1.51B |
| Gross Profit | $7.12B | $5.10B | $3.35B | $1.57B | $664.56M |
| Gross Margin | 44.8% | 45.9% | 43.6% | 34.7% | 43.9% |
| Operating Income | $3.87B | $2.80B | $1.54B | -$308.90M | -$170.16M |
| Net Income | $2.87B | $1.97B | $1.03B | -$364.58M | -$164.99M |
| Net Margin | 18.1% | 17.8% | 13.4% | -8.1% | -10.9% |
| EPS | $0.59 | $0.41 | $0.22 | -$0.08 | -$0.04 |
Average Price Target
$20.48▲ 40.5% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Nu Holdings Ltd., the average price target is $20.48, with a high forecast of $22.00 and a low forecast of $18.40. The average price target represents a 40.5% increase from the current price of $14.58.
Highest
$22.00
Average
$20.48
Lowest
$18.40
Rating Distribution
Strong Buy
0
0%
Buy
13
59%
Hold
8
36%
Sell
1
5%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
UBS● Maintain
Neutral
2026-03-04Susquehanna● Maintain
Positive
2026-01-27UBS● Maintain
Neutral
2025-12-04JP Morgan● Maintain
Overweight
2025-11-20Keybanc● Maintain
Overweight
2025-11-14Susquehanna● Maintain
Positive
2025-11-14UBS● Maintain
Neutral
2025-10-16JP Morgan● Maintain
Overweight
2025-09-05UBS● Maintain
Neutral
2025-09-02Susquehanna● Maintain
Positive
2025-08-27Earnings History & Surprises
BEAT RATE
54%
Last 13 quarters
AVG SURPRISE
-6.8%
EPS vs Estimate
BEATS / MISSES
7/4
2 met exactly
LATEST EPS
$0.19
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
-4.9%
$0.19 vs $0.20
Q4 '25
+6.3%
$0.17 vs $0.16
Q3 '25
+5.0%
$0.14 vs $0.13
Q2 '25
-5.1%
$0.11 vs $0.12
Q2 '25
No data
Q4 '24
+9.1%
$0.12 vs $0.11
Q3 '24
+20.0%
$0.12 vs $0.10
Q2 '24
$0.09 vs $0.09
Q1 '24
No data
Q4 '23
+16.7%
$0.07 vs $0.06
Q3 '23
$0.05 vs $0.05
Q2 '23
+71.5%
$0.04 vs $0.02
No investor questions available.
Latest News
No news available