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NU HOLDINGS LTD/CAYMAN ISL-A

NUNYSE
πŸ† #234 by market capEarnings Nov 12US Equity
$12.42β–² $0.19 (+1.55%)
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24hβ–² 1.6%
7dβ–Ό 12.4%
14dβ–Ό 12.5%
30dβ–Ό 13.1%
ytdβ–Ό 25.9%
1yβ–Ό 22.2%
🏦Market Cap
$60.13B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+43.0%
High Growth
πŸ“ŠGross Margin
44.0%
Healthy
πŸ’΅FCF Margin
-21.8%
Thin
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
72
Fair

Trading Snapshot

Day Range
$12.32 – $12.47
52-Week Range
$11.20 – $18.98
Volume
$2.15B
Avg Volume
$1.93B
Shares Outstanding
4.84B
Next Earnings
Nov 6, 2026

Fundamentals Snapshot

Annual Revenue
$15.88B
Last Q Revenue
$5.52B
P/E Ratio
18.4
P/S Ratio
3.4x
EPS (TTM)
$0.74
Dividend Yield
0.00%
Dilution (1yr)
+2.1%

Why Investors Own NU

  • βœ“High-growth profile β€” revenue up +24.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 47% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NU logo

NU HOLDINGS LTD/CAYMAN ISL-A

NU
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$15.9Bβ–² +43.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
44.8%β–Ό βˆ’2.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$3.9Bβ–² +38.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$3.5Bβ–² +57.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.91Bβ–² +2.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$9.8Bβ–Ό βˆ’$3.0B YoY
StockOtter Β· stockotter.space

About NU HOLDINGS LTD/CAYMAN ISL-A

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 SΓ£o Paulo, Brazil.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$12.71
β–² +2.4% Upside
High Target$14.63
Low Target$9.72
Based on 39 analysts

Latest News & Updates

πŸš€
Zacks Investment ResearchΒ·4h ago

Nu vs. Chime: Which Digital Banking Stock Is the Better Buy?

Nu and Chime offer distinct digital banking growth stories, with scale, profitability, member gains and expanding products shaping their outlooks.

πŸ›°οΈ
The Motley FoolΒ·5h ago

Prediction: Nu Holdings' Sell-Off on Monday Is an Opportunity

Nu stock took a $6.5 billion hit on Monday after unconfirmed reports had it interested in acquiring a European fintech platform. Monzo offers a shortcut into Europe, tempting for many different reasons, including that Nu

247 WallstΒ·8h ago

Nu Holdings Keeps Imploding: Goldman Sachs Reiterated Its Belief That NU Shares are Going to Double

Goldman Sachs sees Nu Holdings doubling from here, yet the stock keeps sliding even as profits hit record highs. Understanding what separates those two realities could define whether this is the buying opportunity of the

Seeking AlphaΒ·9h ago

Nu Holdings: Massive User Growth That The Market Does Not Reward

Nu Holdings is rated a buy, driven by sustained user growth, strong operating efficiency, and replicable expansion across Latin America. NU reported 55% YoY revenue growth, 66% YoY net income growth, and a 33% ROE in Q2

πŸ›°οΈ
Zacks Investment ResearchΒ·21h ago

Nu Holdings Ltd. (NU) Declines More Than Market: Some Information for Investors

The latest trading day saw Nu Holdings Ltd. (NU) settling at $12.23, representing a -10.01% change from its previous close.

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InvezzΒ·1d ago

Needham says buy Nu stock as it sinks on acquisition reports

Nu Holdings (NU) stock is slipping this morning as investors digest media reports that the fintech firm is in preliminary talks to acquire UK-based digital bank Monzo. But Needham's senior Kyle Peterson believes the pull