Sector note: Free-cash-flow and enterprise-value multiples (P/FCF, FCF yield, EV/EBITDA, EV/EBIT) are omitted — they aren't meaningful for banks and insurers, whose deposits and reserves a standard model misreads as debt. Book value (P/B), ROE and net interest margin are the right lenses here.
NU Valuation Metrics
NU Stock Price Metrics
NU Dividend Metrics
NU Growth Rate Metrics
NU Discounted Cash Flow Metrics
| Fair Value Price | - |
| Margin of Safety | - |
NU Revenue Metrics
NU PE Ratio Metrics
| PE Ratio | 19.55 |
| PE Ratio Avg TTM | 30.55 |
| PE Ratio Avg 3Y | 50.64 |
| Current VS TTM Avg | -36.02% |
| Current VS 3Y Avg | -61.39% |
| Current VS 5Y Avg | -61.39% |
NU PS Ratio Metrics
| PS Ratio | 3.56 |
| PS Ratio Avg TTM | 5.47 |
| PS Ratio Avg 3Y | 5.97 |
| Current VS TTM Avg | -34.96% |
| Current VS 3Y Avg | -40.39% |
| Current VS 5Y Avg | -41.41% |
NU PB Ratio Metrics
| PB Ratio | 4.96 |
| PB Ratio Avg TTM | 7.31 |
| PB Ratio Avg 3Y | 7.64 |
| Current VS TTM Avg | -32.16% |
| Current VS 3Y Avg | -35.07% |
| Current VS 5Y Avg | -28.44% |
NU Debt to Equity Ratio Metrics
| Debt/Equity Ratio | 0.46 |
| Debt/Equity Ratio Avg TTM | 0.29 |
| Debt/Equity Ratio Avg 3Y | 0.23 |
| Current VS TTM Avg | +58.62% |
| Current VS 3Y Avg | +100.00% |
| Current VS 5Y Avg | +98.56% |
NU PEG Ratio Metrics
| PEG Ratio | 0.64 |
| PEG Ratio Avg TTM | 0.46 |
| PEG Ratio Avg 3Y | 0.46 |
| Current VS TTM Avg | +37.63% |
| Current VS 3Y Avg | +37.63% |
| Current VS 5Y Avg | -97.28% |
NU Earnings Yield
| Earnings Yield | 5.12% |
| Earnings Yield Avg TTM | 3.25% |
| Earnings Yield Avg 3Y | 2.43% |
| Current VS TTM Avg | +57.73% |
| Current VS 3Y Avg | +111.02% |
| Current VS 5Y Avg | +111.02% |
NU Current Ratio Metrics
| Current Ratio | 0.59 |
| Current Ratio Avg TTM | 0.77 |
| Current Ratio Avg 3Y | 0.94 |
| Current VS TTM Avg | -23.87% |
| Current VS 3Y Avg | -37.07% |
| Current VS 5Y Avg | -34.44% |
NU Quick Ratio Metrics
| Quick Ratio | 0.59 |
| Quick Ratio Avg TTM | 0.77 |
| Quick Ratio Avg 3Y | 0.94 |
| Current VS TTM Avg | -23.87% |
| Current VS 3Y Avg | -37.07% |
| Current VS 5Y Avg | -34.44% |
NU ROIC Metrics
| ROIC | 16.31% |
| ROIC Avg 3Y | 9.88% |
| ROIC Avg 5Y | 2.77% |
| Current VS 3Y Avg | +65.04% |
| Current VS 5Y Avg | +489.52% |
| Current VS 10Y Avg | +1727.45% |
NU Return on Assets Metrics
| ROA | 3.83 |
| ROA Avg TTM | 3.89 |
| ROA Avg 3Y | 2.24 |
| Current VS TTM Avg | -1.54% |
| Current VS 3Y Avg | +71.36% |
| Current VS 5Y Avg | +257.94% |
NU Return on Equity Metrics
| ROE | 25.41 |
| ROE Avg TTM | 25.60 |
| ROE Avg 3Y | 14.96 |
| Current VS TTM Avg | -0.74% |
| Current VS 3Y Avg | +69.85% |
| Current VS 5Y Avg | +797.88% |
NU Net Profit Margin Metrics
| Net Profit Margin | 18.07% |
| Net Profit Margin Avg TTM | 17.91% |
| Net Profit Margin Avg 3Y | 10.30% |
| Current VS TTM Avg | +0.87% |
| Current VS 3Y Avg | +75.44% |
| Current VS 5Y Avg | +22968.09% |
Last Updated: Friday, June 19, 2026
About Nu Holdings Ltd.
Nu Holdings Ltd. operates as a technology-driven enterprise delivering digital financial services, with its primary operations spanning Brazil, Mexico, and Colombia. It supplies a variety of financial instruments, including Nu and Ultraviolet branded credit and debit cards, alongside comprehensive mobile payment capabilities. These features allow NuAccount customers to effortlessly process transfers, manage bill payments, and perform everyday purchases via their smartphones. The firm also offers savings mechanisms like Nu Personal Accounts, a holistic digital banking solution catering to all personal financial needs, from routine expenditures and money transfers to accumulating savings. For business owners, it provides Nu business accounts specifically designed to support their entrepreneurial ventures. Beyond these, Nu Holdings presents NuInvest, an investment platform offering diverse products such as equities, fixed-income securities, options, and ETFs, in addition to multimarket funds with curated asset allocations individualized based on a client's risk appetite and financial status. Its service offerings further encompass personal unsecured loans; an in-app "buy now, pay later" feature for Nu cardholders to amortize credit, debit, and banking slip payments over up to twelve installments; and NuInsurance solutions, which aid customers in securing life insurance and funeral benefits. The company was established in 2013 and is headquartered in Sao Paulo, Brazil.
- Sector
- Financial Services
- Industry
- Banks - Diversified
- CEO
- David Velez-Osomo