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NU

BULLISH
$14.48 Live
Nu Holdings Ltd. · NYSE
Target $19.87 (+37.2%)
$11.71 52W Range $18.98
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$70.38B
P/E
24.97
ROE
30.3%
Profit margin
41.0%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
75%
NU presents a stark contrast between traditional accounting health and explosive growth metrics, highlighted by a weak Piotroski F-Score of 2/9. While the deterministic health score is poor, the company's operational performance is exceptional, featuring 60.9% YoY earnings growth and a highly attractive PEG ratio of 0.85. The current price of $14.48 trades at a significant premium to the Graham Number ($5.51) but remains below the growth-based intrinsic value of $17.11. Ultimately, the strong ROE of 30.28% and aggressive scaling suggest a high-growth fintech trajectory that outweighs short-term deterministic health warnings.

Key Strengths

Exceptional earnings growth (60.9% YoY)
Strong profitability with 41.04% profit margins
High Return on Equity (ROE) of 30.28%
Undervalued relative to growth (PEG Ratio: 0.85)
Strong analyst consensus with a 'strong_buy' rating

Key Risks

Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider sentiment with recent selling activity
High Price-to-Book ratio (6.23) suggesting a premium valuation
Bearish technical trend (0/100)
Lack of dividend yield for income support
AI Fair Value Estimate
Based on comprehensive analysis
$16.8
+16.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
52
Moderate
Value
60
Future
95
Past
85
Health
20
Dividend
0
AI Verdict
High-Growth Speculative
Key drivers: Hyper-growth in revenue and earnings, Strong operational margins, Poor deterministic health scores
Confidence
80%
Value
60/100

Ref P/E 24.97, PEG 0.85, Graham Number $5.51

Positives
  • PEG ratio < 1.0
  • Forward P/E (12.62) is significantly lower than current P/E
Watchpoints
  • Price is nearly 3x the Graham Number
  • High P/B ratio
Future
95/100

Ref Growth rates

Positives
  • 43.9% YoY Revenue growth
  • 61.5% Q/Q Earnings growth
Watchpoints
  • Sustainability of hyper-growth in regional banking
Past
85/100

Ref Historical trends

Positives
  • Consistent earnings progression over 18 quarters
  • Strong recovery from early losses in 2022
Watchpoints
  • Recent 6-month price decline of 9.8%
Health
20/100

Ref Piotroski F-Score

Positives
  • Strong ROA (4.6%)
Watchpoints
  • Piotroski F-Score of 2/9 is critically low
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$14.48
Analyst Target
$19.87
Upside/Downside
+37.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NU and closest competitors.

Updated 2026-04-30
NU
Nu Holdings Ltd.
Primary
5Y
+40.2%
3Y
+170.2%
1Y
+16.5%
6M
-9.8%
1M
+0.8%
1W
+0.1%
AON
Aon plc
Peer
5Y
+68.5%
3Y
+6.7%
1Y
-6.6%
6M
-9.0%
1M
-5.0%
1W
-1.5%
HOO
Robinhood Markets, Inc.
Peer
5Y
+135.7%
3Y
+827.3%
1Y
+67.7%
6M
-43.9%
1M
+25.9%
1W
-5.0%
APO
Apollo Global Management, Inc.
Peer
5Y
+159.8%
3Y
+112.4%
1Y
-4.2%
6M
+5.1%
1M
+15.5%
1W
+3.2%
AJG
Arthur J. Gallagher & Co.
Peer
5Y
+125.8%
3Y
+32.2%
1Y
-11.3%
6M
-19.3%
1M
-2.9%
1W
-2.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
24.97
Forward P/E
12.62
PEG Ratio
0.85
P/B Ratio
6.23
P/S Ratio
10.07
EV/Revenue
8.48
EV/EBITDA
N/A
Market Cap
$70.38B

Profitability

Profit margins and return metrics

Profit Margin 41.04%
Operating Margin 52.14%
Gross Margin N/A
ROE 30.28%
ROA 4.6%

Growth

Revenue and earnings growth rates

Revenue Growth +43.9%
Earnings Growth +60.9%
Q/Q Revenue Growth +48.68%
Q/Q Earnings Growth +61.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.36

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$3.1B
Net Margin
28.4%
Total Assets
$74.9B
Liabilities
$63.6B
Equity
$11.3B
Debt/Equity
5.63x
Operating CF
$0.8B
CapEx
$-0.1B
Free Cash Flow
$0.8B
FCF Yield
92%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-14
$N/A
2026-02-25
$0.18
-1.6% surprise
2025-11-13
$0.17
+0.6% surprise
2025-08-14
$0.14
+2.2% surprise

Financial Services Sector Comparison

Comparing NU against 975 companies in the Financial Services sector (156 bullish, 425 neutral, 394 bearish)
P/E Ratio
24.97
This Stock
vs
34.86
Sector Avg
-28.4% (Discount)
Return on Equity (ROE)
30.28%
This Stock
vs
0.29%
Sector Avg
+10259.8% (Excellent)
Profit Margin
41.04%
This Stock
vs
88.25%
Sector Avg
-53.5% (Weaker)
Revenue Growth
43.9%
This Stock
vs
33.02%
Sector Avg
+33.0% (Fast Growth)

Similar Companies

Peer comparison within the same industry

NU Nu Holdings Ltd.
BULLISH
Mkt Cap
$70.4B
P/E
25.0
ROE
30.3%
Price
$14.48
AON Aon plc
NEUTRAL
Mkt Cap
$73.0B
P/E
26.9
ROE
37.7%
Price
$338.69
 Compare with NU
HOOD Robinhood Markets, Inc.
BEARISH
Mkt Cap
$73.9B
P/E
40.0
ROE
22.0%
Price
$82.07
 Compare with NU
APO Apollo Global...
NEUTRAL
Mkt Cap
$74.2B
P/E
23.3
ROE
14.7%
Price
$128.72
 Compare with NU
AJG Arthur J....
BEARISH
Mkt Cap
$65.0B
P/E
40.0
ROE
9.1%
Price
$253.21
 Compare with NU

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

FRAGELLI HENRIQUE CAMOSSA SALDANHA
Officer
Option Exercise
2026-04-08
2,361,450 shares · $770,390
JUNQUERIA CRISTINA HELENA ZINGARETTI
Officer
Sell
2026-03-23
300,000 shares · $4,444,162
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F
2026-04-08

Nu Holdings submitted its 20-F annual report on April 8, 2026. Due to the absence of detailed excerpts, specific financial highlights and risk factors are not available for summary.

20-F
20-F
2025-04-16

Nu Holdings filed its 20-F annual report on April 16, 2025, providing a comprehensive overview of its fiscal year financial performance. The filing details the company's financial highlights and outlines the primary operational and market risks associated with its business.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
21 analysts
CICC
2026-04-14
init
Outperform
UBS
2026-03-19
up
Neutral Buy
UBS
2026-03-04
Maintains
Neutral Neutral
Susquehanna
2026-01-27
Maintains
Positive Positive
UBS
2025-12-04
Maintains
Neutral Neutral
JP Morgan
2025-11-20
Maintains
Overweight Overweight
Keybanc
2025-11-14
Maintains
Overweight Overweight
Susquehanna
2025-11-14
Maintains
Positive Positive

Past News Coverage

Recent headlines mentioning NU from our newsroom.

Newest → oldest
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