Nu Holdings Ltd. (NU) Return on Invested Capital (ROIC): 16.31%
Is Nu Holdings Ltd.’s return on invested capital (ROIC) high or low?
Nu Holdings Ltd.'s return on invested capital (ROIC) of 16.31% is 490% above its 5-year average of 2.77%, near the high end of its 5-year range (-19.75%–17.06%).
As of Friday, June 19, 2026. 2.25% below its 12-month average of 16.68%.
NU Return on Invested Capital (ROIC) Chart
NU Average Return on Invested Capital (ROIC) Chart
NU Current vs Average Return on Invested Capital (ROIC) Chart
NU Return on Invested Capital (ROIC) Metrics
RETURN ON INVESTED CAPITAL (ROIC)
16.31%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
16.68%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
9.88%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
2.77%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
N/A
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
N/A
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
N/A
CURRENT VS TTM AVG
-2.25%
CURRENT VS 3Y AVG
+65.04%
CURRENT VS 5Y AVG
+489.52%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
NU Competitors' Return on Invested Capital (ROIC)
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Nu Holdings Ltd. (NU) | $61.56B | 16.31% | 16.68% | 9.88% | 2.77% |
| Truist Financial Corporation (TFC)vs › | $60.21B | 3.61% | 1.79% | 1.78% | 2.63% |
| Aflac Incorporated (AFL)vs › | $58.77B | 3.37% | 1.69% | 0.84% | 0.98% |
| The Travelers Companies, Inc. (TRV)vs › | $65.45B | 12.10% | 11.86% | 9.68% | -2.06% |
| The Allstate Corporation (ALL)vs › | $56.93B | 20.79% | 12.46% | 5.83% | 5.47% |
| Aon plc (AON)vs › | $67.86B | 12.16% | 11.68% | 17.25% | 15.63% |
| MetLife, Inc. (MET)vs › | $55.07B | 0.72% | 0.89% | 0.86% | 230.58% |
| Arthur J. Gallagher & Co. (AJG)vs › | $55.00B | 5.25% | 5.15% | 6.33% | 6.87% |
| Discover Financial Services (DFS)vs › | $50.34B | 32.48% | 22.40% | 19.42% | 14.85% |
| Intercontinental Exchange, Inc. (ICE)vs › | $75.71B | 7.03% | 6.66% | 6.46% | 6.24% |
Capital Efficiency
ROIC
16.3%
ROE
25.3%
Nu Holdings Ltd. Return on Invested Capital (ROIC) Formula & Definition
ROIC = NOPAT / Invested Capital
Return on invested capital measures the after-tax return a company earns on all capital (debt and equity) invested in the business.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Nu Holdings Ltd. Return on Invested Capital (ROIC) FAQ
- What is the return on invested capital (ROIC) for Nu Holdings Ltd. (NU)?
- The return on invested capital (ROIC) for NU stock is 16.31%.
- Is Nu Holdings Ltd.'s return on invested capital (ROIC) high or low?
- Nu Holdings Ltd.'s return on invested capital (ROIC) of 16.31% is 490% above its 5-year average of 2.77%, near the high end of its 5-year range (-19.75%–17.06%).
- What is the TTM average return on invested capital (ROIC) for Nu Holdings Ltd. (NU)?
- The TTM average return on invested capital (ROIC) for NU stock is 16.68%.
- What is the 3Y average return on invested capital (ROIC) for Nu Holdings Ltd. (NU)?
- The 3Y average return on invested capital (ROIC) for NU stock is 9.88%.
- What is the 5Y average return on invested capital (ROIC) for Nu Holdings Ltd. (NU)?
- The 5Y average return on invested capital (ROIC) for NU stock is 2.77%.
Nu Holdings Ltd. Return on Invested Capital (ROIC) History
| DATE | RETURN ON INVESTED CAPITAL (ROIC) |
|---|---|
| 2025-12-31 | 16.31% |
| 2024-12-31 | 17.06% |
| 2023-12-31 | 10.59% |
| 2022-12-31 | -4.43% |
| 2021-12-31 | -3.18% |
| 2020-12-31 | -19.75% |
| 2019-12-31 | -3.66% |
| 2018-12-31 | -5.80% |
Related Metrics
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