Nu Holdings Ltd. (NU) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 5YClears the 15%+, 20%+, and 30%+ revenue bars over 5Y.
- Score
- 75/100
- 5Y CAGR
- 94.2%
- Median YoY
- 69%
- YoY volatility
- σ 98.0pp· choppy
- Quarters ≥ 20%
- 20 of 20
- Negative quarters
- 0
- Valuation vs own 5Y history
- P/S 3.8x · 5Y median 6.0x · 5th percentile
How this score is computed
- Quarters at or above 20%: 20 of 20 → 40 of 40 pts
- Steadiness (typical swing 98.0pp) → 0 of 25 pts
- Pace (median 69% YoY) → 20 of 20 pts
- Latest quarter (53.4% YoY) → 15 of 15 pts
- Score: 75 of 100
Annual revenue · last 8 fiscal years
Quarterly YoY revenue growth vs the 20% line · 5Y
P/S multiple vs its 5Y median · context only
Across metrics · 5Y
| Metric | 5Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 94.2% | 69% | 98.0pp | 20 of 20 | 0 |
| EPSEPS | — | — | — | — | — |
| Op cash flowOperating cash flow | 29.1% | — | — | — | — |
| EBITDAEBITDA | — | — | — | — | — |
| FCFFree cash flow | 29.3% | — | — | — | — |
Reported figures over 5Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: NU on the compounders surface · All compounders, ranked
About Nu Holdings Ltd.
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.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- David Velez Osorno