Symbols / NU Stock $12.19 +0.83% Nu Holdings Ltd.

Financial Services • Banks - Regional • Brazil • NYQ
NU (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. David Velez-Osomo
Exch · Country NYQ · Brazil
Market Cap 59.26B
Enterprise Value 49.51B
Income 3.18B
Sales 7.59B
FCF (ttm) —
Book/sh 2.59
Cash/sh 3.27
Employees —
Insider 10d —
IPO Dec 09, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 18.75
Forward P/E 10.64
PEG 0.72
P/S 7.80
P/B 4.71
P/C —
EV/EBITDA —
EV/Sales 6.52
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.65
EPS next Y 1.15
EPS Growth 55.90%
Revenue Growth 43.70%
EPS Gr Q/Q 56.50%
Rev Gr Q/Q —
Earnings (next) 2026-08-13
Earnings (prior) 2026-05-14
ROA 4.84%
ROE 30.05%
ROIC —
Gross Margin 0.00%
Oper. Margin 48.23%
Profit Margin 41.92%
Shs Outstand 3.84B
Shs Float 3.61B
Insider Own 5.63%
Instit Own 88.63%
Short Float 3.79%
Short Ratio 2.66
Short Interest 143.68M
52W High 18.98
vs 52W High -35.77%
52W Low 11.20
vs 52W Low 8.84%
Beta 0.95
Impl. Vol. 44.53%
Rel Volume 0.65
Avg Volume 52.18M
Volume 33.94M
Target (mean) $18.39
Tgt Median $18.90
Tgt Low $10.00
Tgt High $22.00
# Analysts 21
Recom Strong_buy
Prev Close $12.09
Price $12.19
Change 0.83%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$18.39
Mean price target
2. Current target
$12.19
Latest analyst target
3. DCF / Fair value
$9.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$12.19
Low
$10.00
High
$22.00
Mean
$18.39

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-06-03 down Susquehanna Positive → Neutral $13
2026-06-02 down B of A Securities Neutral → Underperform $10
2026-05-20 main UBS Buy → Buy $17
2026-04-14 init CICC — → Outperform $18
2026-03-19 up UBS Neutral → Buy $18
2026-03-04 main UBS Neutral → Neutral $17
2026-01-27 main Susquehanna Positive → Positive $22
2025-12-04 main UBS Neutral → Neutral $18
2025-11-20 main JP Morgan Overweight → Overweight $18
2025-11-14 main Keybanc Overweight → Overweight $19
2025-11-14 main Susquehanna Positive → Positive $19
2025-10-16 main UBS Neutral → Neutral $16
2025-09-05 main JP Morgan Overweight → Overweight $17
2025-09-02 main UBS Neutral → Neutral $16
2025-08-27 main Susquehanna Positive → Positive $17
2025-08-25 main B of A Securities Neutral → Neutral $16
2025-08-25 up Banco Bradesco BBI S.A Neutral → Outperform $17
2025-08-20 up Citigroup Sell → Buy $18
2025-06-30 main JP Morgan Overweight → Overweight $16
2025-05-14 main Susquehanna Positive → Positive $15
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-15 SANDS ANITA M Director — 21,000 $12.24 $257,042
2026-04-08 FRAGELLI HENRIQUE CAMOSSA SALDANHA Officer — 2,361,450 $0.29 $770,390
2026-03-23 JUNQUERIA CRISTINA HELENA ZINGARETTI Officer — 300,000 $14.81 $4,444,162
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
10,626.85
+28.50%
8,269.60
+46.83%
5,632.18
+89.56%
2,971.20
Operating Revenue
10,626.85
+28.50%
8,269.60
+46.83%
5,632.18
+89.56%
2,971.20
Selling General And Administration
1,611.27
+11.95%
1,439.28
+26.52%
1,137.61
-20.35%
1,428.33
Selling And Marketing Expense
271.11
+25.11%
216.70
+47.76%
146.66
+7.72%
136.14
General And Administrative Expense
1,340.16
+9.62%
1,222.58
+23.37%
990.96
-23.31%
1,292.19
Salaries And Wages
931.67
+4.42%
892.20
+24.98%
713.87
-30.87%
1,032.70
Other Gand A
408.49
+23.64%
330.38
+19.23%
277.09
+6.78%
259.49
Reconciled Depreciation
97.97
+27.02%
77.13
+22.63%
62.90
+76.77%
35.58
Net Income
2,868.89
+45.47%
1,972.11
+91.37%
1,030.53
+382.66%
-364.58
Pretax Income
3,868.42
+38.40%
2,795.20
+81.62%
1,539.08
+598.24%
-308.90
Net Interest Income
8,856.00
+30.31%
6,796.18
+54.36%
4,402.79
+119.34%
2,007.31
Interest Expense
4,578.68
+61.51%
2,834.86
+39.17%
2,036.92
+31.59%
1,547.90
Interest Income
13,434.68
+39.49%
9,631.04
+49.56%
6,439.71
+81.13%
3,555.21
Other Non Operating Income Expenses
64.44
+849.62%
-8.60
+58.48%
-20.70
+30.67%
-29.86
Tax Provision
996.75
+21.10%
823.09
+61.85%
508.55
+812.47%
55.73
Tax Rate For Calcs
0.00
-12.24%
0.00
-11.02%
0.00
-2.82%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
2,871.67
+45.61%
1,972.11
+91.37%
1,030.53
+382.62%
-364.63
Net Income From Continuing Operation Net Minority Interest
2,868.89
+45.47%
1,972.11
+91.37%
1,030.53
+382.66%
-364.58
Net Income From Continuing And Discontinued Operation
2,868.89
+45.47%
1,972.11
+91.37%
1,030.53
+382.66%
-364.58
Net Income Continuous Operations
2,871.67
+45.61%
1,972.11
+91.37%
1,030.53
+382.62%
-364.63
Minority Interests
-2.78
0.00
0.00
-100.00%
0.06
Normalized Income
2,868.89
+45.47%
1,972.11
+91.37%
1,030.53
+382.66%
-364.58
Net Income Common Stockholders
2,868.89
+45.47%
1,972.11
+91.37%
1,030.53
+382.66%
-364.58
Diluted EPS
0.58
+44.92%
0.40
+90.19%
0.21
+371.92%
-0.08
Basic EPS
0.59
+44.25%
0.41
+89.20%
0.22
+378.85%
-0.08
Basic Average Shares
4,832.94
+0.85%
4,792.08
+1.12%
4,738.84
+1.32%
4,676.98
Diluted Average Shares
4,907.35
+0.38%
4,888.92
+0.65%
4,857.58
+3.86%
4,676.98
Diluted NI Availto Com Stockholders
2,868.89
+45.47%
1,972.11
+91.37%
1,030.53
+382.66%
-364.58
Depreciation Amortization Depletion Income Statement
97.97
+27.02%
77.13
+22.63%
62.90
+76.77%
35.58
Depreciation And Amortization In Income Statement
97.97
+27.02%
77.13
+22.63%
62.90
+76.77%
35.58
Other Non Interest Expense
905.08
+15.97%
780.42
+33.02%
586.68
+53.82%
381.41
Line Item Trend 2023-12-31
Total Assets
43,345.19
Cash And Cash Equivalents
13,370.86
Cash Equivalents
854.85
Cash Financial
1,760.49
Other Short Term Investments
8,652.55
Receivables
14,531.87
Accounts Receivable
12,414.10
Gross Accounts Receivable
14,488.30
Allowance For Doubtful Accounts Receivable
-2,074.20
Other Receivables
2,117.77
Prepaid Assets
178.08
Net PPE
69.75
Gross PPE
69.75
Other Properties
69.75
Goodwill And Other Intangible Assets
693.42
Goodwill
397.54
Other Intangible Assets
295.88
Investments And Advances
9,257.06
Long Term Equity Investment
0.00
Total Liabilities Net Minority Interest
36,938.81
Payables And Accrued Expenses
11,381.17
Payables
11,214.30
Accounts Payable
9,755.28
Other Payable
158.17
Current Accrued Expenses
166.88
Total Tax Payable
1,300.85
Income Tax Payable
1,300.85
Current Debt And Capital Lease Obligation
113.59
Current Debt
113.59
Other Current Borrowings
113.59
Long Term Debt And Capital Lease Obligation
843.62
Long Term Debt
806.68
Long Term Capital Lease Obligation
36.94
Long Term Provisions
30.15
Non Current Deferred Liabilities
287.79
Non Current Deferred Revenue
287.79
Non Current Deferred Taxes Liabilities
—
Stockholders Equity
6,406.39
Common Stock Equity
6,406.39
Capital Stock
0.08
Common Stock
0.08
Share Issued
4,765.94
Ordinary Shares Number
4,765.94
Treasury Shares Number
0.00
Additional Paid In Capital
4,972.92
Retained Earnings
1,276.95
Gains Losses Not Affecting Retained Earnings
156.43
Minority Interest
0.00
Other Equity Adjustments
156.43
Total Equity Gross Minority Interest
6,406.39
Total Capitalization
7,213.07
Invested Capital
7,326.66
Total Debt
957.22
Capital Lease Obligations
36.94
Net Tangible Assets
5,712.97
Tangible Book Value
5,712.97
Available For Sale Securities
604.51
Cash Cash Equivalents And Federal Funds Sold
13,397.48
Derivative Product Liabilities
28.17
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
3,500.46
+45.91%
2,399.04
+89.47%
1,266.19
+67.58%
755.57
Cash Flow From Continuing Operating Activities
3,500.46
+45.91%
2,399.04
+89.47%
1,266.19
+67.58%
755.57
Net Income From Continuing Operations
2,871.67
+45.61%
1,972.11
+91.37%
1,030.53
+382.62%
-364.63
Depreciation Amortization Depletion
97.97
+27.02%
77.13
+22.63%
62.90
+76.77%
35.58
Depreciation And Amortization
97.97
+27.02%
77.13
+22.63%
62.90
+76.77%
35.58
Other Non Cash Items
404.60
+107.61%
194.89
+35.58%
143.75
-63.62%
395.08
Stock Based Compensation
271.85
-0.20%
272.38
+28.15%
212.55
-16.06%
253.20
Deferred Tax
-427.26
+40.11%
-713.43
-5.59%
-675.68
-61.80%
-417.61
Deferred Income Tax
-427.26
+40.11%
-713.43
-5.59%
-675.68
-61.80%
-417.61
Operating Gains Losses
3.69
—
0.02
-97.64%
0.85
Gain Loss On Investment Securities
—
—
—
18.64
Unrealized Gain Loss On Investment Securities
-50.43
-205.21%
47.93
+201.75%
15.88
-14.79%
18.64
Change In Working Capital
-11,078.67
-49.89%
-7,391.28
-57.08%
-4,705.36
-154.25%
-1,850.72
Change In Receivables
-12,039.58
-119.39%
-5,487.87
+39.12%
-9,014.80
-58.28%
-5,695.49
Changes In Account Receivables
-12,445.83
-111.91%
-5,873.06
+25.45%
-7,878.31
-51.11%
-5,213.67
Change In Payables And Accrued Expense
4,132.41
+881.90%
-528.51
-118.75%
2,818.59
+26.90%
2,221.04
Change In Payable
4,132.41
+881.90%
-528.51
-118.75%
2,818.59
+26.90%
2,221.04
Change In Account Payable
4,132.41
+881.90%
-528.51
-118.75%
2,818.59
+26.90%
2,221.04
Change In Other Working Capital
8,048.39
+139.65%
3,358.37
-59.85%
8,363.90
+61.61%
5,175.22
Change In Other Current Assets
-3,578.42
-404.51%
1,175.15
+125.54%
-4,601.44
-73.46%
-2,652.76
Change In Other Current Liabilities
2,659.68
+139.22%
1,111.83
-13.14%
1,279.99
+30.71%
979.28
Investing Cash Flow
-342.31
-3.53%
-330.63
-86.79%
-177.00
-39.21%
-127.15
Cash Flow From Continuing Investing Activities
-342.31
-3.53%
-330.63
-86.79%
-177.00
-39.21%
-127.15
Net PPE Purchase And Sale
-7.21
-33.17%
-5.42
+73.24%
-20.24
-1.21%
-20.00
Purchase Of PPE
-7.21
-33.17%
-5.42
+73.24%
-20.24
-1.21%
-20.00
Capital Expenditure
-340.77
-94.74%
-174.99
+1.14%
-177.00
-54.85%
-114.31
Net Investment Purchase And Sale
0.00
+100.00%
-150.00
0.00
+100.00%
-2.50
Purchase Of Investment
0.00
+100.00%
-150.00
0.00
+100.00%
-2.50
Net Business Purchase And Sale
-1.54
+72.70%
-5.64
0.00
+100.00%
-10.35
Purchase Of Business
-1.54
+72.70%
-5.64
0.00
+100.00%
-10.35
Net Intangibles Purchase And Sale
-333.55
-96.70%
-169.57
-8.17%
-156.76
-66.23%
-94.31
Purchase Of Intangibles
-333.55
-96.70%
-169.57
-8.17%
-156.76
-66.23%
-94.31
Financing Cash Flow
2,290.23
+214.70%
727.74
+71.15%
425.21
-34.99%
654.04
Cash Flow From Continuing Financing Activities
2,290.23
+214.70%
727.74
+71.15%
425.21
-34.99%
654.04
Net Issuance Payments Of Debt
2,284.01
+216.26%
722.20
+73.58%
416.07
+2.60%
405.52
Issuance Of Debt
2,823.47
+115.55%
1,309.89
+179.00%
469.50
-19.21%
581.14
Repayment Of Debt
-539.46
+8.21%
-587.70
-999.85%
-53.43
+69.57%
-175.62
Long Term Debt Issuance
2,823.47
+115.55%
1,309.89
+179.00%
469.50
-19.21%
581.14
Long Term Debt Payments
-539.46
+8.21%
-587.70
-999.85%
-53.43
+69.57%
-175.62
Net Long Term Debt Issuance
2,284.01
+216.26%
722.20
+73.58%
416.07
+2.60%
405.52
Net Common Stock Issuance
—
0.00
0.00
-100.00%
248.00
Common Stock Payments
—
—
0.00
0.00
Repurchase Of Capital Stock
—
—
0.00
0.00
Proceeds From Stock Option Exercised
6.22
+12.17%
5.55
-39.37%
9.15
+103.06%
4.50
Net Other Financing Charges
—
—
—
-3.98
Changes In Cash
5,448.39
+94.85%
2,796.16
+84.64%
1,514.40
+18.09%
1,282.46
Effect Of Exchange Rate Changes
369.51
-20.73%
466.14
+96.92%
236.72
+28.53%
184.18
Beginning Cash Position
9,185.74
+55.07%
5,923.44
+41.97%
4,172.32
+54.21%
2,705.68
End Cash Position
15,003.64
+63.34%
9,185.74
+55.07%
5,923.44
+41.97%
4,172.32
Free Cash Flow
3,159.70
+42.07%
2,224.05
+104.19%
1,089.19
+69.85%
641.27
Common Stock Issuance
—
0.00
0.00
-100.00%
248.00
Earnings Losses From Equity Investments
3.69
0.00
0.00
—
Interest Paid CFO
-92.29
-4.78%
-88.08
-6.25%
-82.90
-167.99%
-30.93
Interest Received CFO
8,439.95
+44.99%
5,820.90
+71.74%
3,389.33
+115.45%
1,573.13
Issuance Of Capital Stock
—
0.00
0.00
-100.00%
248.00
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Issuance
—
—
0.00
0.00
Taxes Refund Paid
-1,641.66
-30.03%
-1,262.54
-106.15%
-612.45
-106.15%
-297.09
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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