Company Overview
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 based in Sao Paulo, Brazil.
Why Investors Should Care
Generates a return on equity of 31.6%, reflecting efficient use of shareholder capital.
Revenue has grown at a 52.9% CAGR over the past five years.
Maintains a net profit margin of 42.7%.
Carries low leverage with a debt-to-equity ratio of 0.17.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $10.63B (+28.5% YoY); net profit $2.87B.
- Trailing 12 Months Year-on-year growth — revenue +52.1%, earnings +66.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 52.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 52.93% |
| 1 Year: | 52.10% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 66.30% |
Stock Price Performance
| 1 Year: | +23.93% |
| 6 Months: | +4.50% |
| 3 Months: | +32.16% |
| 1 Month: | +10.77% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.14 · Neutral
P/E of 21.00 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 31.6%.
- Excellent profit margin of 42.7%.
- Compounding revenue at 52.9% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NU Nu Holdings Ltd. R3KFINANCIAL | 15.33 | 21.00 | $58.38B | 0.00% | - | 31.63% | 52.93% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 2.25B | 2.51B | 2.73B | 3.14B | 3.54B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 896.20M | 1.03B | 1.28B | 1.38B | 1.27B |
| Pretax Income | 795.07M | 879.36M | 1.12B | 1.08B | 954.31M |
| Tax Provision | 237.87M | 242.38M | 333.61M | 182.90M | 82.88M |
| Net Income | 557.20M | 636.84M | 782.47M | 892.38M | 872.06M |
| Diluted EPS | 0.11 | 0.13 | 0.16 | - | 0.18 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 2.97B | 5.63B | 8.27B | 10.63B |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 1.55B | 2.04B | 2.83B | 4.58B |
| Pretax Income | -308.90M | 1.54B | 2.80B | 3.87B |
| Tax Provision | 55.73M | 508.55M | 823.09M | 996.75M |
| Net Income | -364.58M | 1.03B | 1.97B | 2.87B |
| Diluted EPS | -0.08 | 0.21 | 0.40 | 0.58 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 29.93B | 43.35B | 49.93B | 74.89B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 6.89B | 13.37B | 13.64B | 20.93B |
| Inventory | - | - | - | - | - |
| Receivables | - | 8.23B | 12.41B | 12.26B | 18.27B |
| Total Liabilities | - | 25.04B | 36.94B | 42.28B | 63.57B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 547.24M | 806.68M | 328.87M | 269.81M |
| Total Debt | - | 605.92M | 957.22M | 577.95M | 1.90B |
| Total Equity | - | 4.89B | 6.41B | 7.65B | 11.29B |
| Shares Outstanding | - | 4.69B | 4.77B | 4.82B | 4.86B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 755.57M | 1.27B | 2.40B | 3.50B |
| Investing Cash Flow | - | -127.15M | -177.00M | -330.63M | -342.31M |
| Financing Cash Flow | - | 654.04M | 425.21M | 727.74M | 2.29B |
| Capital Expenditure | - | -114.31M | -177.00M | -174.99M | -340.77M |
| Free Cash Flow | - | 641.27M | 1.09B | 2.22B | 3.16B |
| Net Change in Cash | - | 1.28B | 1.51B | 2.80B | 5.45B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | -12.3% | 18.3% | 23.8% | 27.0% |
| ROE % | -7.5% | 16.1% | 25.8% | 25.4% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.32% | 355.01M | $4.85B |
| 2 | BAILLIE GIFFORD & CO | 6.04% | 229.93M | $3.14B |
| 3 | Capital Research Global Investors | 3.75% | 142.76M | $1.95B |
| 4 | Morgan Stanley | 3.10% | 117.97M | $1.61B |
| 5 | JPMORGAN CHASE & CO | 2.63% | 99.96M | $1.36B |
| 6 | State Street Corporation | 2.54% | 96.81M | $1.32B |
| 7 | FMR, LLC | 1.99% | 75.61M | $1.03B |
| 8 | WCM Investment Management, LLC | 1.96% | 74.45M | $1.02B |
| 9 | Lone Pine Capital Llc | 1.24% | 47.22M | $644.55M |
| 10 | NORGES BANK | 1.22% | 46.29M | $631.82M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NU
NU Holdings AI Push: Can NuFormer Strengthen Its Competitive Edge?
NU deepens its AI push with NuFormer, using a vast database to drive underwriting, service and growth.
Brazilian Banks Expand Crypto Offerings as Regulation Takes Hold
Itaú, Nubank, and Banco do Brasil now sell more than a dozen tokens each to retail clients, even as none of them touch crypto with their own balance sheet.
Nu Holdings Cleared $1 Billion in Quarterly Net Income With 139 Million Customers
Nubank had record earnings in Q2, and the stock has moved higher.
Here’s What Weighed on Nu Holdings (NU) in Q2
Baron Capital, an investment management company, released its second-quarter 2026 investor letter for its “Baron Global Opportunity Fund”. The letter can be downloaded here. The fund achieved a strong quarter, gaining 26.7% (Institutional S…
Q1 Earnings Highlights: Nubank (NYSE:NU) Vs The Rest Of The Personal Loan Stocks
The end of the earnings season is always a good time to take a step back and see who shined (and who didn’t). Let’s take a look at how personal loan stocks fared in Q1, starting with Nubank (NYSE:NU).…
Nubank (NU): Buy, Sell, or Hold Post Q1 Earnings?
Since February 2026, Nubank has been in a holding pattern, posting a small return of 1.2% while floating around $15.16. The stock also fell short of the S&P 500’s 11.7% gain during that period.
NU — Frequently Asked Questions
What is the current share price of Nu Holdings Ltd. (NU)?
As of 2026-09-19 21:16 PDT, Nu Holdings Ltd. (NU) trades at $15.33 on NYSE. Its 52-week range is $11.60 to $18.76.
What is the market capitalisation of NU?
Nu Holdings Ltd. (NU) has a market capitalisation of $58.38B on NYSE.
What is the P/E ratio of NU?
NU trades at a trailing price-to-earnings (P/E) ratio of 21.00. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 4.98.
What is the return on equity (ROE) of NU?
NU has a return on equity (ROE) of 31.63%.
Is NU a good stock to buy?
This page provides a data-driven analysis of Nu Holdings Ltd. (NU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.