Nu Holdings Financials
| NU Stock | USD 13.50 0.22 1.60% |
Operating Margin | PE Ratio 29.8261 | Profit Margin | Short Ratio 1.84 | EPS Estimate Current Year 0.5684 |
The essential information of the day-to-day investment outlook for Nu Holdings includes many different criteria found on its balance sheet. An individual investor should monitor Nu Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Nu Holdings.
Cash And Equivalents |
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Please note, the imprecision that can be found in Nu Holdings' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Nu Holdings. Check Nu Holdings' Beneish M Score to see the likelihood of Nu Holdings' management manipulating its earnings.
Nu Holdings Stock Summary
Nu Holdings competes with Smithfield Foods,, NH Foods, Austevoll Seafood, and Vita Coco. Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil. Nu Holdings is traded on New York Stock Exchange in the United States.Specialization | Financial Services, Banks - Regional |
| Instrument | USA Stock View All |
| Exchange | New York Stock Exchange |
| ISIN | KYG6683N1034 |
| CUSIP | G6683N103 |
| Location | Brazil |
| Business Address | Rua Capote Valente, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.nubank.com.br |
| Phone | 800 592 2000 |
| Currency | USD - US Dollar |
Nu Holdings Key Financial Ratios
| Revenue | 11.1 B | |||
| Gross Profit | 5.65 B | |||
| EBITDA | 2.87 B | |||
| Net Income | 1.97 B | |||
| Cash And Equivalents | 1.18 M |
Nu Holdings Key Balance Sheet Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Total Assets | 10.2B | 19.9B | 29.9B | 43.3B | 49.9B | 25.6B | |
| Other Current Liab | (3.3B) | (38.3M) | 15.4B | 22.6B | 27.9B | 29.3B | |
| Other Liab | 108.3M | 127.4M | 251.3M | 719.2M | 827.1M | 868.4M | |
| Net Tangible Assets | 611.1M | 424.9M | 4.0B | 4.3B | 5.0B | 5.2B | |
| Net Debt | (2.3B) | (2.4B) | (6.1B) | (12.2B) | (12.8B) | (12.1B) | |
| Retained Earnings | (102.4M) | (128.4M) | 64.6M | 1.3B | 3.4B | 3.6B | |
| Accounts Payable | 3.3B | 4.9B | 7.1B | 9.8B | 9.3B | 6.1B | |
| Cash | 2.5B | 2.5B | 6.9B | 13.4B | 13.6B | 14.3B | |
| Other Assets | 423.4M | 3.0B | 25.1B | (9.4B) | 5.3B | 3.9B | |
| Long Term Debt | 177.2M | 157.3M | 585.6M | 1.0B | 328.9M | 422.8M | |
| Net Receivables | 2.9B | 4.9B | 9.0B | 14.5B | 13.9B | 7.8B | |
| Long Term Debt Total | 322.0M | 517.6M | 164.9M | 567.6M | 652.7M | 371.3M | |
| Capital Surpluse | 631.2M | 638.0M | 4.7B | 5.0B | 5.7B | 6.0B | |
| Inventory | 7.2B | 12.8B | 6.1B | (269.7M) | (242.7M) | (230.6M) | |
| Other Current Assets | (7.2B) | (12.8B) | 84.4M | 178.1M | 153.1M | 160.8M | |
| Total Liab | 9.7B | 15.4B | 25.0B | 36.9B | 42.3B | 21.7B | |
| Net Invested Capital | 615.3M | 4.6B | 5.5B | 7.5B | 8.2B | 4.4B | |
| Total Current Assets | 5.4B | 7.4B | 26.0B | 36.9B | 30.8B | 17.7B | |
| Cash And Equivalents | 15.4M | 9.3M | 2.8M | 1.2M | 1.1M | 1.0M | |
| Short Term Debt | 136.6M | 7.6M | 235.6M | 324.0M | 531.5M | 308.9M | |
| Intangible Assets | 12.4M | 72.3M | 182.2M | 295.9M | 347.6M | 365.0M | |
| Good Will | 831K | 401.9M | 397.4M | 397.5M | 414.3M | 295.5M |
Nu Holdings Key Income Statement Accounts
The reason investors look at the income statement is to determine what Nu Holdings' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Tax Provision | (21.7M) | (4.8M) | 55.7M | 385.4M | 823.1M | 864.2M | |
| Net Interest Income | 167.8M | 679.4M | 2.0B | 3.7B | 6.8B | 7.1B | |
| Interest Income | 382.9M | 1.0B | 3.6B | 5.6B | 9.6B | 10.1B | |
| Interest Expense | 215.1M | 367.3M | 1.5B | 2.0B | 2.8B | 3.0B | |
| Total Revenue | 737.1M | 1.7B | 4.8B | 7.7B | 11.1B | 11.7B | |
| Gross Profit | 496.4M | 1.2B | 3.1B | 3.3B | 5.1B | 5.4B | |
| Operating Income | (92.0M) | (170.2M) | (308.9M) | 1.5B | 2.8B | 2.9B | |
| Ebit | 21.9M | 197.5M | 1.2B | 1.5B | 2.8B | 2.9B | |
| Ebitda | 29.3M | 214.9M | 1.3B | 1.6B | 2.9B | 3.0B | |
| Cost Of Revenue | 240.7M | 484.5M | 1.7B | 4.3B | 6.0B | 6.3B | |
| Income Before Tax | (193.2M) | (170.2M) | (308.9M) | 1.5B | 2.8B | 2.9B | |
| Net Income | (171.5M) | (165.3M) | (364.6M) | 1.0B | 2.0B | 2.1B | |
| Income Tax Expense | (21.7M) | (4.8M) | 55.7M | 508.5M | 823.1M | 864.2M |
Nu Holdings Key Cash Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change To Inventory | (166.5M) | (47.7M) | (2.1B) | (2.8B) | (2.5B) | (2.4B) | |
| Investments | (16.3M) | (11.2M) | (127.2M) | (173.8M) | (330.6M) | (314.1M) | |
| Change In Cash | 1.1B | 361.9M | 1.5T | 1.8B | 3.3B | 3.1B | |
| Net Borrowings | 209.1M | (66.7M) | (15.0M) | 405.5M | 466.3M | 489.7M | |
| Free Cash Flow | 966.5M | (3.0B) | 641.3B | 1.1B | 2.2B | 2.1B | |
| Depreciation | 7.4M | 17.3M | 35.6B | 62.9M | 77.1M | 73.3M | |
| Other Non Cash Items | 524.9M | 1.0B | 3.1T | 5.3B | 8.2B | 7.8B | |
| Capital Expenditures | 8.0M | 28.5M | 114.3B | 177.0M | 175.0M | 166.2M | |
| Net Income | (171.5M) | (165.3M) | (364.6B) | 1.0B | 2.0B | 2.1B | |
| End Period Cash Flow | 2.3B | 2.7B | 4.2T | 5.9B | 9.2B | 8.7B | |
| Change To Netincome | 179.9M | 256.1M | 943.3M | 2.9B | 3.4B | 3.5B |
Nu Holdings Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Nu Holdings's current stock value. Our valuation model uses many indicators to compare Nu Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Nu Holdings competition to find correlations between indicators driving Nu Holdings's intrinsic value. More Info.Nu Holdings is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about 0.16 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Nu Holdings is roughly 6.36 . Comparative valuation analysis is a catch-all technique that is used if you cannot value Nu Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Nu Holdings Systematic Risk
Nu Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Nu Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-one with a total number of output elements of fourty. The Beta measures systematic risk based on how returns on Nu Holdings correlated with the market. If Beta is less than 0 Nu Holdings generally moves in the opposite direction as compared to the market. If Nu Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Nu Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Nu Holdings is generally in the same direction as the market. If Beta > 1 Nu Holdings moves generally in the same direction as, but more than the movement of the benchmark.
Nu Holdings Thematic Clasifications
Nu Holdings is part of several thematic ideas from Warren Buffett Holdings to Banking. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic IdeasNu Holdings July 1, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Nu Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Nu Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of Nu Holdings based on widely used predictive technical indicators. In general, we focus on analyzing Nu Holdings Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Nu Holdings's daily price indicators and compare them against related drivers.
| Downside Deviation | 3.11 | |||
| Information Ratio | 0.1057 | |||
| Maximum Drawdown | 15.66 | |||
| Value At Risk | (6.11) | |||
| Potential Upside | 4.48 |
Additional Tools for Nu Holdings Stock Analysis
When running Nu Holdings' price analysis, check to measure Nu Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Nu Holdings is operating at the current time. Most of Nu Holdings' value examination focuses on studying past and present price action to predict the probability of Nu Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Nu Holdings' price. Additionally, you may evaluate how the addition of Nu Holdings to your portfolios can decrease your overall portfolio volatility.