Nu Holdings（NU N）株式概要Nu Holdings Ltd.はブラジル、メキシコ、コロンビア、ケイマン諸島、米国でデジタル・バンキング・プラットフォームを提供している。 詳細NU N ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長6/6過去の実績5/6財務の健全性5/6配当金0/6報酬収益は年間20.04%増加すると予測されています 過去1年間で収益は48%増加しました リスク分析MX市場と比較した過去 3 か月間の株価の変動過去3か月間に大規模なインサイダー売却が発生 すべてのリスクチェックを見るNU N Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW491,559 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINROAG491,559 investors already sharing narrativesYour Fair ValueMex$Current PriceMex$238.4963.5% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-188m46b2016201920222025202620282031Revenue US$45.8bEarnings US$19.2bAdvancedSet Fair ValueView all narrativesNu Holdings Ltd. 競合他社Grupo Financiero Banorte. deSymbol: BMV:GFNORTE OMarket cap: Mex$503.0bGrupo Financiero Inbursa. deSymbol: BMV:GFINBUR OMarket cap: Mex$252.7bBanco del Bajío Institución de Banca MúltipleSymbol: BMV:BBAJIO OMarket cap: Mex$68.6bNational Bank of CanadaSymbol: TSX:NAMarket cap: CA$90.0b価格と性能株価の高値、安値、推移の概要Nu Holdings過去の株価現在の株価US$238.4952週高値US$329.9452週安値US$194.51ベータ0.951ヶ月の変化6.95%3ヶ月変化-8.64%1年変化-1.09%3年間の変化80.36%5年間の変化n/aIPOからの変化53.86%最新ニュースお知らせ • Jul 07Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026. Location: rua capote valente, 39, pinheiros, sao paulo - sp, 05409-000, sao paulo Brazilお知らせ • Jun 19Nu Holdings Ltd. to Report Q2, 2026 Results on Aug 13, 2026Nu Holdings Ltd. announced that they will report Q2, 2026 results on Aug 13, 2026お知らせ • Jun 17Nu Holdings Ltd. to Report Q3, 2026 Results on Nov 12, 2026Nu Holdings Ltd. announced that they will report Q3, 2026 results on Nov 12, 2026お知らせ • Jun 05Nu Holdings Ltd. (NYSE:NU) announces an Equity Buyback for $1,000 million worth of its shares.Nu Holdings Ltd. (NYSE:NU) announces a share repurchase program. Under the program, the company will repurchase up to $1,000 million worth of its shares. The repurchases will be funded using cash balances derived from retained and future earnings and the acquired shares will either be retained in treasury or canceled. The program is valid for a 12 month period ending on June 3, 2027.お知らせ • Jun 02Nubank Announces CFO ChangesNubank announced the appointment of Rob Livingston as Chief Financial Officer, effective July 13, 2026, succeeding Guilherme Lago, who transitioned to the role of Special Advisor after five years as CFO and seven years at Nu. Lago will support the transition through August 31, 2026, and will remain as a Special Advisor to the Management Team of Nu Holdings and to its Audit and Risk Committee, advising on corporate development and other strategic matters. Livingston will be responsible for leading Nubank’s global finance organization, including capital and liquidity planning, financial reporting, corporate development, tax and investor relations. Rob Livingston brought more than 30 years of experience in financial services across North America, Europe and Asia. He joined Nubank from Visa, where he recently served as CFO for North America, the company's largest business. Over more than 12 years at Visa, he also led Corporate Finance and Investor Relations for Visa Inc., served as CFO for Visa Europe and board member of Visa Europe Limited, and had business leadership roles in China and Canada. Prior to Visa, Livingston spent 18 years at Capital One, with deep experience in credit, marketing and finance and senior leadership roles including President of Capital One Canada, Divisional CFO, and serving as a Senior Credit Officer at the company. He holds a BA in Economics from Yale University. Under Lago’s tenure as CFO, Nubank scaled from a regional fintech to one of the world’s largest digital banking platforms, broadened its product portfolio across Brazil, Mexico and Colombia, and strengthened its balance sheet, profitability and capital position.Reported Earnings • May 17First quarter 2026 earnings released: EPS: US$0.18 (vs US$0.12 in 1Q 2025)First quarter 2026 results: EPS: US$0.18 (up from US$0.12 in 1Q 2025). Revenue: US$1.98b (up 44% from 1Q 2025). Net income: US$872.1m (up 56% from 1Q 2025). Profit margin: 44% (up from 40% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 65% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.最新情報をもっと見るRecent updatesお知らせ • Jul 07Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026. Location: rua capote valente, 39, pinheiros, sao paulo - sp, 05409-000, sao paulo Brazilお知らせ • Jun 19Nu Holdings Ltd. to Report Q2, 2026 Results on Aug 13, 2026Nu Holdings Ltd. announced that they will report Q2, 2026 results on Aug 13, 2026お知らせ • Jun 17Nu Holdings Ltd. to Report Q3, 2026 Results on Nov 12, 2026Nu Holdings Ltd. announced that they will report Q3, 2026 results on Nov 12, 2026お知らせ • Jun 05Nu Holdings Ltd. (NYSE:NU) announces an Equity Buyback for $1,000 million worth of its shares.Nu Holdings Ltd. (NYSE:NU) announces a share repurchase program. Under the program, the company will repurchase up to $1,000 million worth of its shares. The repurchases will be funded using cash balances derived from retained and future earnings and the acquired shares will either be retained in treasury or canceled. The program is valid for a 12 month period ending on June 3, 2027.お知らせ • Jun 02Nubank Announces CFO ChangesNubank announced the appointment of Rob Livingston as Chief Financial Officer, effective July 13, 2026, succeeding Guilherme Lago, who transitioned to the role of Special Advisor after five years as CFO and seven years at Nu. Lago will support the transition through August 31, 2026, and will remain as a Special Advisor to the Management Team of Nu Holdings and to its Audit and Risk Committee, advising on corporate development and other strategic matters. Livingston will be responsible for leading Nubank’s global finance organization, including capital and liquidity planning, financial reporting, corporate development, tax and investor relations. Rob Livingston brought more than 30 years of experience in financial services across North America, Europe and Asia. He joined Nubank from Visa, where he recently served as CFO for North America, the company's largest business. Over more than 12 years at Visa, he also led Corporate Finance and Investor Relations for Visa Inc., served as CFO for Visa Europe and board member of Visa Europe Limited, and had business leadership roles in China and Canada. Prior to Visa, Livingston spent 18 years at Capital One, with deep experience in credit, marketing and finance and senior leadership roles including President of Capital One Canada, Divisional CFO, and serving as a Senior Credit Officer at the company. He holds a BA in Economics from Yale University. Under Lago’s tenure as CFO, Nubank scaled from a regional fintech to one of the world’s largest digital banking platforms, broadened its product portfolio across Brazil, Mexico and Colombia, and strengthened its balance sheet, profitability and capital position.Reported Earnings • May 17First quarter 2026 earnings released: EPS: US$0.18 (vs US$0.12 in 1Q 2025)First quarter 2026 results: EPS: US$0.18 (up from US$0.12 in 1Q 2025). Revenue: US$1.98b (up 44% from 1Q 2025). Net income: US$872.1m (up 56% from 1Q 2025). Profit margin: 44% (up from 40% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 65% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.Reported Earnings • Feb 26Full year 2025 earnings released: EPS: US$0.59 (vs US$0.41 in FY 2024)Full year 2025 results: EPS: US$0.59 (up from US$0.41 in FY 2024). Revenue: US$6.99b (up 27% from FY 2024). Net income: US$2.87b (up 46% from FY 2024). Profit margin: 41% (up from 36% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 52% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 44% per year, which means it is significantly lagging earnings growth.New Risk • Feb 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.お知らせ • Jan 30+ 1 more updateNu Holdings Appoints Roberto Campos Neto as Chairman of the Board of Directors for US National Bank SubsidiaryNu Holdings announced that Roberto Campos Neto, former President of the Central Bank of Brazil, will serve as Chairman of the Board of Directors for its newly approved US national bank, Nubank, N.A. The US organization will be led by Nu's co-founder Cristina Junqueira, who has relocated to the US to spearhead the bank’s development and long-term growth.お知らせ • Jan 22+ 1 more updateNu Holdings Ltd. to Report Q4, 2025 Results on Feb 25, 2026Nu Holdings Ltd. announced that they will report Q4, 2025 results at 4:00 PM, US Eastern Standard Time on Feb 25, 2026Reported Earnings • Nov 14Third quarter 2025 earnings released: EPS: US$0.16 (vs US$0.12 in 3Q 2024)Third quarter 2025 results: EPS: US$0.16 (up from US$0.12 in 3Q 2024). Revenue: US$1.92b (up 36% from 3Q 2024). Net income: US$782.5m (up 41% from 3Q 2024). Profit margin: 41% (up from 39% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 51% per year, which means it is significantly lagging earnings growth.お知らせ • Oct 01+ 1 more updateNubank Announces Board Appointments for United States BusinessNubank announced that the Board of Directors of the United States business will be composed by Roberto Campos Neto, former President of the Central Bank of Brazil, who will serve as Chairman of the Board; Cristina Junqueira; Youssef Lahrech, former Nu President and COO and current Nu Audit and Risk Committee observer; Brian Brooks, former Acting Comptroller of the Currency and current Chairman and CEO of Meridian Capital Group; and Kelley Morrell, former Blackstone Senior Managing Director, Chief Strategy Officer of CIT Group, and U.S. Treasury Department executive, and current Founder and Managing Partner of Highline Capital Management.お知らせ • Sep 25Nu Holdings Ltd. to Report Q3, 2025 Results on Nov 13, 2025Nu Holdings Ltd. announced that they will report Q3, 2025 results at 4:00 PM, US Eastern Standard Time on Nov 13, 2025Reported Earnings • Aug 15Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.10 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.10 in 2Q 2024). Revenue: US$1.63b (up 14% from 2Q 2024). Net income: US$636.8m (up 31% from 2Q 2024). Profit margin: 39% (up from 34% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 39% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 38% per year, which means it is significantly lagging earnings growth.お知らせ • Aug 11Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025. Location: rua capote valente, 39 pinheriros, sao paulo-sp, 05409-000, sao paulo BrazilNew Risk • Aug 06New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 5.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.お知らせ • Jun 30+ 1 more updateNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth IndexReported Earnings • May 14First quarter 2025 earnings released: EPS: US$0.12 (vs US$0.079 in 1Q 2024)First quarter 2025 results: EPS: US$0.12 (up from US$0.079 in 1Q 2024). Revenue: US$1.38b (up 11% from 1Q 2024). Net income: US$557.2m (up 47% from 1Q 2024). Profit margin: 41% (up from 30% in 1Q 2024). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 107% per year but the company’s share price has only increased by 50% per year, which means it is significantly lagging earnings growth.Buy Or Sell Opportunity • May 13Now 20% overvaluedOver the last 90 days, the stock has fallen 8.8% to Mex$256. The fair value is estimated to be Mex$213, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 58% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 41% per annum. Earnings are also forecast to grow by 24% per annum over the same time period.お知らせ • May 07Nu Holdings Appoints Roberto Campos Neto as Vice Chairman and Global Head of Public Policy, Effective July 1, 2025Nu Holdings announced the expected appointment of former Brazilian Central Bank president Roberto Campos Neto to its Management Team and to the Board of Directors, effective July 1, 2025, after completing a six-month cooling-off period as determined by Brazilian legislation. Reporting directly to David Vélez, founder and CEO of Nubank, Campos Neto will serve as Vice Chairman of Nubank and Global Head of Public Policy. His role will involve supporting Nu’s international expansion program, engaging with global financial regulators, representing Nu Holdings in international forums and boards, elevating economic and risk analysis for Nu’s operations in Brazil and Latin America, and contributing to the design of Nu’s long-term business strategy. Campos Neto has an extensive career in the financial sector, having served as the President of the Central Bank of Brazil from 2019 to the end of 2024. During his tenure, the organization received the award for “Central Bank of the Year” in 2024 by Central Banking Magazine. He is the only person to have received the “Best Central Banker of the Year” award from LatinFinance magazine for three consecutive years. In 2020, he was recognized by The Banker magazine as the Central Bank President of the Year for his leadership in addressing inflation during the pandemic. At the Central Bank, Campos Neto implemented a broad agenda focused on financial inclusion, financial education, increased competition, and sustainability. His efforts led to the inclusion of millions of Brazilians in the financial sector and increased access to credit. He oversaw the launch and development of the instant payment method Pix, advanced the Open Finance agenda, and promoted Drex, a digital real utilizing blockchain technology. The Brazilian Central Bank received numerous local and international awards for its work in curbing inflation, modernizing the financial system, combating climate change, and fostering international collaboration. Before his tenure at the Central Bank, Campos Neto held major leadership roles in the financial sector for over two decades, including positions at Santander, Claritas Investments, and Bozano Simonsen. He earned a Bachelor's and Master's degree in Economics from the University of California, Los Angeles (UCLA).お知らせ • Mar 03Nu Holdings Ltd. to Report Q2, 2025 Results on Aug 14, 2025Nu Holdings Ltd. announced that they will report Q2, 2025 results on Aug 14, 2025Valuation Update With 7 Day Price Move • Feb 27Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to Mex$231, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in South America. Total returns to shareholders of 22% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$234 per share.Reported Earnings • Feb 21Full year 2024 earnings releasedFull year 2024 results: Revenue: US$4.79b (up 31% from FY 2023). Net income: US$1.51b (up 26% from FY 2023). Profit margin: 32% (down from 33% in FY 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 56% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Banks industry in South America.Buy Or Sell Opportunity • Feb 05Now 20% overvaluedOver the last 90 days, the stock has fallen 7.4% to Mex$280. The fair value is estimated to be Mex$232, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 63% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 236% in 2 years. Earnings are forecast to grow by 99% in the next 2 years.お知らせ • Dec 21Nu Holdings Ltd. to Report Q1, 2025 Results on May 13, 2025Nu Holdings Ltd. announced that they will report Q1, 2025 results on May 13, 2025New Risk • Nov 29New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 6.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.Valuation Update With 7 Day Price Move • Nov 20Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to Mex$270, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 6x in the Banks industry in South America. Total returns to shareholders of 90% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$187 per share.Reported Earnings • Nov 14Third quarter 2024 earnings released: EPS: US$0.12 (vs US$0.064 in 3Q 2023)Third quarter 2024 results: EPS: US$0.12 (up from US$0.064 in 3Q 2023). Revenue: US$1.41b (up 45% from 3Q 2023). Net income: US$553.4m (up 83% from 3Q 2023). Profit margin: 39% (up from 31% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 46% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.お知らせ • Oct 02Nu Holdings Ltd. to Report Q4, 2024 Results on Feb 20, 2025Nu Holdings Ltd. announced that they will report Q4, 2024 results on Feb 20, 2025Reported Earnings • Aug 14Second quarter 2024 earnings released: EPS: US$0.10 (vs US$0.048 in 2Q 2023)Second quarter 2024 results: EPS: US$0.10 (up from US$0.048 in 2Q 2023). Revenue: US$1.42b (up 73% from 2Q 2023). Net income: US$487.3m (up 117% from 2Q 2023). Profit margin: 34% (up from 27% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.New Risk • Aug 02New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.お知らせ • Jul 15Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024. Location: rua capote valente, 39, pinheiros, sao paulo-sp, 05409-000, sao paulo Brazilお知らせ • Jul 03Nu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value Indexお知らせ • May 29Nu Holdings Ltd. to Report Q3, 2024 Results on Nov 13, 2024Nu Holdings Ltd. announced that they will report Q3, 2024 results on Nov 13, 2024Reported Earnings • May 16First quarter 2024 earnings released: EPS: US$0.079 (vs US$0.03 in 1Q 2023)First quarter 2024 results: EPS: US$0.079 (up from US$0.03 in 1Q 2023). Revenue: US$1.24b (up 77% from 1Q 2023). Net income: US$378.8m (up 167% from 1Q 2023). Profit margin: 30% (up from 20% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America.お知らせ • Apr 04Nu Holdings Ltd. to Report Q2, 2024 Results on Aug 13, 2024Nu Holdings Ltd. announced that they will report Q2, 2024 results on Aug 13, 2024New Risk • Mar 27New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.Reported Earnings • Feb 26Full year 2023 earnings released: EPS: US$0.22 (vs US$0.078 loss in FY 2022)Full year 2023 results: EPS: US$0.22 (up from US$0.078 loss in FY 2022). Revenue: US$3.71b (up 101% from FY 2022). Net income: US$1.03b (up US$1.40b from FY 2022). Profit margin: 28% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Non-performing loans: 6.31% (up from 5.28% in FY 2022). Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Banks industry in South America.New Risk • Feb 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (5.3% average weekly change). Large one-off items impacting financial results.お知らせ • Dec 02Nu Holdings Ltd. to Report Q1, 2024 Results on May 14, 2024Nu Holdings Ltd. announced that they will report Q1, 2024 results on May 14, 2024お知らせ • Sep 01Nu Holdings Ltd. to Report Q4, 2023 Results on Feb 22, 2024Nu Holdings Ltd. announced that they will report Q4, 2023 results on Feb 22, 2024Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: US$47.54 (vs US$0.006 loss in 2Q 2022)Second quarter 2023 results: EPS: US$47.54 (up from US$0.006 loss in 2Q 2022). Revenue: US$824.8m (up 100% from 2Q 2022). Net income: US$224.9m (up US$254.6m from 2Q 2022). Profit margin: 27% (up from net loss in 2Q 2022). Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Banks industry in Mexico.Board Change • Aug 10High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.お知らせ • Jul 18Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023, at 17:00 Coordinated Universal Time. Location: Rua Capote Valente, 120, Pinheiros São Paulo Brazil Agenda: To consider and approve to resolve, as an ordinary resolution, that the Company’s audited financial statements and the Company’s Annual Report on Form 20-F for the fiscal year ended December 31, 2022 be approved and ratified and to resolve, as an ordinary resolution, that the reelection of the individuals listed from “a” to “i”,as directors of the Company, each to serve for a term ending on the date of the next annual general meeting of the Members, or until such person resigns or is removed in accordance with the terms of the Memorandum and Articles of Association of the Company, be approved David Velez Osorno; Douglas Mauro Leone;Anita Mary Sands;Daniel Krepel Goldberg;David Alexandre Marcus;Luis Alberto Moreno Mejia;Jacqueline Dawn Reses; Rogério Paulo Calderón Peres; and Thuan Quang Pham.お知らせ • May 19+ 1 more updateNu Holdings Ltd. to Report Q3, 2023 Results on Nov 14, 2023Nu Holdings Ltd. announced that they will report Q3, 2023 results on Nov 14, 2023Reported Earnings • May 17First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: US$1.14b (up 248% from 1Q 2022). Net income: US$141.8m (up US$186.9m from 1Q 2022). Profit margin: 12% (up from net loss in 1Q 2022). Revenue is forecast to grow 36% p.a. on average during the next 3 years, compared to a 7.4% growth forecast for the Banks industry in Mexico.Reported Earnings • Feb 17Full year 2022 earnings released: US$0.078 loss per share (vs US$0.10 loss in FY 2021)Full year 2022 results: US$0.078 loss per share. Revenue: US$1.84b (up 116% from FY 2021). Net loss: US$364.6m (loss widened 121% from FY 2021). Non-performing loans: 5.28% (up from 4.51% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in Mexico.お知らせ • Jan 06Nu Holdings Ltd. to Report Q4, 2022 Results on Feb 14, 2023Nu Holdings Ltd. announced that they will report Q4, 2022 results on Feb 14, 2023Board Change • Nov 16High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Director Rogério Paulo Peres was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Aug 17Second quarter 2022 earnings released: US$0.006 loss per share (vs US$0.011 loss in 2Q 2021)Second quarter 2022 results: US$0.006 loss per share. Revenue: US$411.6m (up 110% from 2Q 2021). Net loss: US$29.7m (loss widened 95% from 2Q 2021). Over the next year, revenue is forecast to grow 302%, compared to a 26% growth forecast for the Banks industry in Mexico.Breakeven Date Change • Jul 07Forecast breakeven date moved forward to 2023The 12 analysts covering Nu Holdings previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of US$17.3m in 2023. Average annual earnings growth of 70% is required to achieve expected profit on schedule.Breakeven Date Change • Jun 17Forecast breakeven date pushed back to 2024The 14 analysts covering Nu Holdings previously expected the company to break even in 2023. New consensus forecast suggests losses will reduce by 50% per year to 2023. The company is expected to make a profit of US$630.6m in 2024. Average annual earnings growth of 76% is required to achieve expected profit on schedule.Reported Earnings • May 17First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: US$328.5m (up 131% from 1Q 2021). Net loss: US$45.1m (loss narrowed 8.9% from 1Q 2021). Over the next year, revenue is forecast to grow 238%, compared to a 30% growth forecast for the industry in Mexico.Board Change • Apr 27High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.Board Change • Mar 12High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.株主還元NU NMX BanksMX 市場7D-0.6%-1.2%1.0%1Y-1.1%-2.1%17.4%株主還元を見る業界別リターン: NU N過去 1 年間で-2.1 % の収益を上げたMX Banks業界を上回りました。リターン対市場: NU Nは、過去 1 年間で17.4 % のリターンを上げたMX市場を下回りました。価格変動Is NU N's price volatile compared to industry and market?NU N volatilityNU N Average Weekly Movement5.4%Banks Industry Average Movement4.5%Market Average Movement3.5%10% most volatile stocks in MX Market5.7%10% least volatile stocks in MX Market2.2%安定した株価: NU Nの株価は、 MX市場と比較して過去 3 か月間で変動しています。時間の経過による変動: NU Nの weekly volatility ( 5% ) は過去 1 年間安定していますが、依然としてMXの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト2013n/aDavid Velez-Osomonubank.com.brNu Holdings Ltd.は、ブラジル、メキシコ、コロンビア、ケイマン諸島、米国でデジタル・バンキング・プラットフォームを提供している。同社は、クレジットカードおよびプリペイドカードとして機能するデジタル対応カード「Nuクレジット＆プリペイドカード」、Nuエクスペリエンスを進化させた「Nubank+ Tier」、プレミアムメタルクレジットカード「Ultravioletクレジット＆プリペイドカード」、NuAccountの顧客が携帯電話を通じて送金や請求書の支払い、日常的な買い物ができるモバイル決済ソリューション、さまざまなeコマース小売業者から商品やサービスを購入できる統合マーケットプレイス「Nuショッピング」などの支出ソリューションを提供している。同社はまた、個人の財務活動のためのデジタル口座ソリューションであるNuパーソナル口座、起業家顧客とその事業のためのNuビジネス口座、Nuビジネスプリペイドカードとクレジットカードなどのトランザクション・ソリューションも提供している。また、貯蓄・投資ソリューションとして、目標ベースの投資ソリューション「Money Boxes」、カスタマイズされた競合のないガイダンスが魅力的な投資商品「Investing Solutions」、Nuアプリを通じて暗号通貨を売買するソリューション「NuCrypto」などを提供している。さらに同社は、個人向け無担保ローンや有担保ローン、クレジットカードやデジタル口座の顧客が無料で即座にピアツーピア送金ができるPixファイナンス、クレジットカードやデジタル口座の顧客が支払いができるBoletoファイナンス、購入資金調達、キャッシュインファイナンス、Nuアプリを通じてオンライン購入やサービスの支払いができるNuPayなどの借入ソリューションを提供している。さらに、生命保険、モバイル保険、自動車保険、住宅保険、ファイナンシャル・プロテクション保険などのNuInsuranceプロテクション・ソリューションや、旅行ポータルNuTravel、携帯電話サービスNuCelなどの金融サービス以外のソリューションも提供している。Nu Holdings Ltd.は2013年に設立され、ブラジルのサンパウロに本社を置いている。もっと見るNu Holdings Ltd. 基礎のまとめNu Holdings の収益と売上を時価総額と比較するとどうか。NU N 基礎統計学時価総額Mex$1.16t収益（TTM）Mex$55.78b売上高(TTM)Mex$133.05b20.8xPER（株価収益率5.2xPBR（株価純資産倍率NU N は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計NU N 損益計算書（TTM）収益US$7.59b売上原価US$0売上総利益US$7.59bその他の費用US$4.41b収益US$3.18b直近の収益報告Mar 31, 2026次回決算日Aug 13, 2026一株当たり利益（EPS）0.65グロス・マージン100.00%純利益率41.92%有利子負債／自己資本比率48.4%NU N の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/20 22:03終値2026/07/17 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Nu Holdings Ltd. 14 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。27 アナリスト機関Ramsey El-AssalBarclaysJohn CoffeyBarclaysRafael ReisBB Banco de Investimento S.A.24 その他のアナリストを表示
お知らせ • Jul 07Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026. Location: rua capote valente, 39, pinheiros, sao paulo - sp, 05409-000, sao paulo Brazil
お知らせ • Jun 19Nu Holdings Ltd. to Report Q2, 2026 Results on Aug 13, 2026Nu Holdings Ltd. announced that they will report Q2, 2026 results on Aug 13, 2026
お知らせ • Jun 17Nu Holdings Ltd. to Report Q3, 2026 Results on Nov 12, 2026Nu Holdings Ltd. announced that they will report Q3, 2026 results on Nov 12, 2026
お知らせ • Jun 05Nu Holdings Ltd. (NYSE:NU) announces an Equity Buyback for $1,000 million worth of its shares.Nu Holdings Ltd. (NYSE:NU) announces a share repurchase program. Under the program, the company will repurchase up to $1,000 million worth of its shares. The repurchases will be funded using cash balances derived from retained and future earnings and the acquired shares will either be retained in treasury or canceled. The program is valid for a 12 month period ending on June 3, 2027.
お知らせ • Jun 02Nubank Announces CFO ChangesNubank announced the appointment of Rob Livingston as Chief Financial Officer, effective July 13, 2026, succeeding Guilherme Lago, who transitioned to the role of Special Advisor after five years as CFO and seven years at Nu. Lago will support the transition through August 31, 2026, and will remain as a Special Advisor to the Management Team of Nu Holdings and to its Audit and Risk Committee, advising on corporate development and other strategic matters. Livingston will be responsible for leading Nubank’s global finance organization, including capital and liquidity planning, financial reporting, corporate development, tax and investor relations. Rob Livingston brought more than 30 years of experience in financial services across North America, Europe and Asia. He joined Nubank from Visa, where he recently served as CFO for North America, the company's largest business. Over more than 12 years at Visa, he also led Corporate Finance and Investor Relations for Visa Inc., served as CFO for Visa Europe and board member of Visa Europe Limited, and had business leadership roles in China and Canada. Prior to Visa, Livingston spent 18 years at Capital One, with deep experience in credit, marketing and finance and senior leadership roles including President of Capital One Canada, Divisional CFO, and serving as a Senior Credit Officer at the company. He holds a BA in Economics from Yale University. Under Lago’s tenure as CFO, Nubank scaled from a regional fintech to one of the world’s largest digital banking platforms, broadened its product portfolio across Brazil, Mexico and Colombia, and strengthened its balance sheet, profitability and capital position.
Reported Earnings • May 17First quarter 2026 earnings released: EPS: US$0.18 (vs US$0.12 in 1Q 2025)First quarter 2026 results: EPS: US$0.18 (up from US$0.12 in 1Q 2025). Revenue: US$1.98b (up 44% from 1Q 2025). Net income: US$872.1m (up 56% from 1Q 2025). Profit margin: 44% (up from 40% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 65% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 07Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026. Location: rua capote valente, 39, pinheiros, sao paulo - sp, 05409-000, sao paulo Brazil
お知らせ • Jun 19Nu Holdings Ltd. to Report Q2, 2026 Results on Aug 13, 2026Nu Holdings Ltd. announced that they will report Q2, 2026 results on Aug 13, 2026
お知らせ • Jun 17Nu Holdings Ltd. to Report Q3, 2026 Results on Nov 12, 2026Nu Holdings Ltd. announced that they will report Q3, 2026 results on Nov 12, 2026
お知らせ • Jun 05Nu Holdings Ltd. (NYSE:NU) announces an Equity Buyback for $1,000 million worth of its shares.Nu Holdings Ltd. (NYSE:NU) announces a share repurchase program. Under the program, the company will repurchase up to $1,000 million worth of its shares. The repurchases will be funded using cash balances derived from retained and future earnings and the acquired shares will either be retained in treasury or canceled. The program is valid for a 12 month period ending on June 3, 2027.
お知らせ • Jun 02Nubank Announces CFO ChangesNubank announced the appointment of Rob Livingston as Chief Financial Officer, effective July 13, 2026, succeeding Guilherme Lago, who transitioned to the role of Special Advisor after five years as CFO and seven years at Nu. Lago will support the transition through August 31, 2026, and will remain as a Special Advisor to the Management Team of Nu Holdings and to its Audit and Risk Committee, advising on corporate development and other strategic matters. Livingston will be responsible for leading Nubank’s global finance organization, including capital and liquidity planning, financial reporting, corporate development, tax and investor relations. Rob Livingston brought more than 30 years of experience in financial services across North America, Europe and Asia. He joined Nubank from Visa, where he recently served as CFO for North America, the company's largest business. Over more than 12 years at Visa, he also led Corporate Finance and Investor Relations for Visa Inc., served as CFO for Visa Europe and board member of Visa Europe Limited, and had business leadership roles in China and Canada. Prior to Visa, Livingston spent 18 years at Capital One, with deep experience in credit, marketing and finance and senior leadership roles including President of Capital One Canada, Divisional CFO, and serving as a Senior Credit Officer at the company. He holds a BA in Economics from Yale University. Under Lago’s tenure as CFO, Nubank scaled from a regional fintech to one of the world’s largest digital banking platforms, broadened its product portfolio across Brazil, Mexico and Colombia, and strengthened its balance sheet, profitability and capital position.
Reported Earnings • May 17First quarter 2026 earnings released: EPS: US$0.18 (vs US$0.12 in 1Q 2025)First quarter 2026 results: EPS: US$0.18 (up from US$0.12 in 1Q 2025). Revenue: US$1.98b (up 44% from 1Q 2025). Net income: US$872.1m (up 56% from 1Q 2025). Profit margin: 44% (up from 40% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 65% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Feb 26Full year 2025 earnings released: EPS: US$0.59 (vs US$0.41 in FY 2024)Full year 2025 results: EPS: US$0.59 (up from US$0.41 in FY 2024). Revenue: US$6.99b (up 27% from FY 2024). Net income: US$2.87b (up 46% from FY 2024). Profit margin: 41% (up from 36% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 52% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 44% per year, which means it is significantly lagging earnings growth.
New Risk • Feb 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
お知らせ • Jan 30+ 1 more updateNu Holdings Appoints Roberto Campos Neto as Chairman of the Board of Directors for US National Bank SubsidiaryNu Holdings announced that Roberto Campos Neto, former President of the Central Bank of Brazil, will serve as Chairman of the Board of Directors for its newly approved US national bank, Nubank, N.A. The US organization will be led by Nu's co-founder Cristina Junqueira, who has relocated to the US to spearhead the bank’s development and long-term growth.
お知らせ • Jan 22+ 1 more updateNu Holdings Ltd. to Report Q4, 2025 Results on Feb 25, 2026Nu Holdings Ltd. announced that they will report Q4, 2025 results at 4:00 PM, US Eastern Standard Time on Feb 25, 2026
Reported Earnings • Nov 14Third quarter 2025 earnings released: EPS: US$0.16 (vs US$0.12 in 3Q 2024)Third quarter 2025 results: EPS: US$0.16 (up from US$0.12 in 3Q 2024). Revenue: US$1.92b (up 36% from 3Q 2024). Net income: US$782.5m (up 41% from 3Q 2024). Profit margin: 41% (up from 39% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 51% per year, which means it is significantly lagging earnings growth.
お知らせ • Oct 01+ 1 more updateNubank Announces Board Appointments for United States BusinessNubank announced that the Board of Directors of the United States business will be composed by Roberto Campos Neto, former President of the Central Bank of Brazil, who will serve as Chairman of the Board; Cristina Junqueira; Youssef Lahrech, former Nu President and COO and current Nu Audit and Risk Committee observer; Brian Brooks, former Acting Comptroller of the Currency and current Chairman and CEO of Meridian Capital Group; and Kelley Morrell, former Blackstone Senior Managing Director, Chief Strategy Officer of CIT Group, and U.S. Treasury Department executive, and current Founder and Managing Partner of Highline Capital Management.
お知らせ • Sep 25Nu Holdings Ltd. to Report Q3, 2025 Results on Nov 13, 2025Nu Holdings Ltd. announced that they will report Q3, 2025 results at 4:00 PM, US Eastern Standard Time on Nov 13, 2025
Reported Earnings • Aug 15Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.10 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.10 in 2Q 2024). Revenue: US$1.63b (up 14% from 2Q 2024). Net income: US$636.8m (up 31% from 2Q 2024). Profit margin: 39% (up from 34% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 39% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 38% per year, which means it is significantly lagging earnings growth.
お知らせ • Aug 11Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025. Location: rua capote valente, 39 pinheriros, sao paulo-sp, 05409-000, sao paulo Brazil
New Risk • Aug 06New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 5.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.
お知らせ • Jun 30+ 1 more updateNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth Index
Reported Earnings • May 14First quarter 2025 earnings released: EPS: US$0.12 (vs US$0.079 in 1Q 2024)First quarter 2025 results: EPS: US$0.12 (up from US$0.079 in 1Q 2024). Revenue: US$1.38b (up 11% from 1Q 2024). Net income: US$557.2m (up 47% from 1Q 2024). Profit margin: 41% (up from 30% in 1Q 2024). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 107% per year but the company’s share price has only increased by 50% per year, which means it is significantly lagging earnings growth.
Buy Or Sell Opportunity • May 13Now 20% overvaluedOver the last 90 days, the stock has fallen 8.8% to Mex$256. The fair value is estimated to be Mex$213, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 58% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 41% per annum. Earnings are also forecast to grow by 24% per annum over the same time period.
お知らせ • May 07Nu Holdings Appoints Roberto Campos Neto as Vice Chairman and Global Head of Public Policy, Effective July 1, 2025Nu Holdings announced the expected appointment of former Brazilian Central Bank president Roberto Campos Neto to its Management Team and to the Board of Directors, effective July 1, 2025, after completing a six-month cooling-off period as determined by Brazilian legislation. Reporting directly to David Vélez, founder and CEO of Nubank, Campos Neto will serve as Vice Chairman of Nubank and Global Head of Public Policy. His role will involve supporting Nu’s international expansion program, engaging with global financial regulators, representing Nu Holdings in international forums and boards, elevating economic and risk analysis for Nu’s operations in Brazil and Latin America, and contributing to the design of Nu’s long-term business strategy. Campos Neto has an extensive career in the financial sector, having served as the President of the Central Bank of Brazil from 2019 to the end of 2024. During his tenure, the organization received the award for “Central Bank of the Year” in 2024 by Central Banking Magazine. He is the only person to have received the “Best Central Banker of the Year” award from LatinFinance magazine for three consecutive years. In 2020, he was recognized by The Banker magazine as the Central Bank President of the Year for his leadership in addressing inflation during the pandemic. At the Central Bank, Campos Neto implemented a broad agenda focused on financial inclusion, financial education, increased competition, and sustainability. His efforts led to the inclusion of millions of Brazilians in the financial sector and increased access to credit. He oversaw the launch and development of the instant payment method Pix, advanced the Open Finance agenda, and promoted Drex, a digital real utilizing blockchain technology. The Brazilian Central Bank received numerous local and international awards for its work in curbing inflation, modernizing the financial system, combating climate change, and fostering international collaboration. Before his tenure at the Central Bank, Campos Neto held major leadership roles in the financial sector for over two decades, including positions at Santander, Claritas Investments, and Bozano Simonsen. He earned a Bachelor's and Master's degree in Economics from the University of California, Los Angeles (UCLA).
お知らせ • Mar 03Nu Holdings Ltd. to Report Q2, 2025 Results on Aug 14, 2025Nu Holdings Ltd. announced that they will report Q2, 2025 results on Aug 14, 2025
Valuation Update With 7 Day Price Move • Feb 27Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to Mex$231, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in South America. Total returns to shareholders of 22% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$234 per share.
Reported Earnings • Feb 21Full year 2024 earnings releasedFull year 2024 results: Revenue: US$4.79b (up 31% from FY 2023). Net income: US$1.51b (up 26% from FY 2023). Profit margin: 32% (down from 33% in FY 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 56% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Banks industry in South America.
Buy Or Sell Opportunity • Feb 05Now 20% overvaluedOver the last 90 days, the stock has fallen 7.4% to Mex$280. The fair value is estimated to be Mex$232, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 63% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 236% in 2 years. Earnings are forecast to grow by 99% in the next 2 years.
お知らせ • Dec 21Nu Holdings Ltd. to Report Q1, 2025 Results on May 13, 2025Nu Holdings Ltd. announced that they will report Q1, 2025 results on May 13, 2025
New Risk • Nov 29New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 6.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.
Valuation Update With 7 Day Price Move • Nov 20Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to Mex$270, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 6x in the Banks industry in South America. Total returns to shareholders of 90% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$187 per share.
Reported Earnings • Nov 14Third quarter 2024 earnings released: EPS: US$0.12 (vs US$0.064 in 3Q 2023)Third quarter 2024 results: EPS: US$0.12 (up from US$0.064 in 3Q 2023). Revenue: US$1.41b (up 45% from 3Q 2023). Net income: US$553.4m (up 83% from 3Q 2023). Profit margin: 39% (up from 31% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 46% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.
お知らせ • Oct 02Nu Holdings Ltd. to Report Q4, 2024 Results on Feb 20, 2025Nu Holdings Ltd. announced that they will report Q4, 2024 results on Feb 20, 2025
Reported Earnings • Aug 14Second quarter 2024 earnings released: EPS: US$0.10 (vs US$0.048 in 2Q 2023)Second quarter 2024 results: EPS: US$0.10 (up from US$0.048 in 2Q 2023). Revenue: US$1.42b (up 73% from 2Q 2023). Net income: US$487.3m (up 117% from 2Q 2023). Profit margin: 34% (up from 27% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.
New Risk • Aug 02New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
お知らせ • Jul 15Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024. Location: rua capote valente, 39, pinheiros, sao paulo-sp, 05409-000, sao paulo Brazil
お知らせ • Jul 03Nu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value Index
お知らせ • May 29Nu Holdings Ltd. to Report Q3, 2024 Results on Nov 13, 2024Nu Holdings Ltd. announced that they will report Q3, 2024 results on Nov 13, 2024
Reported Earnings • May 16First quarter 2024 earnings released: EPS: US$0.079 (vs US$0.03 in 1Q 2023)First quarter 2024 results: EPS: US$0.079 (up from US$0.03 in 1Q 2023). Revenue: US$1.24b (up 77% from 1Q 2023). Net income: US$378.8m (up 167% from 1Q 2023). Profit margin: 30% (up from 20% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America.
お知らせ • Apr 04Nu Holdings Ltd. to Report Q2, 2024 Results on Aug 13, 2024Nu Holdings Ltd. announced that they will report Q2, 2024 results on Aug 13, 2024
New Risk • Mar 27New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
Reported Earnings • Feb 26Full year 2023 earnings released: EPS: US$0.22 (vs US$0.078 loss in FY 2022)Full year 2023 results: EPS: US$0.22 (up from US$0.078 loss in FY 2022). Revenue: US$3.71b (up 101% from FY 2022). Net income: US$1.03b (up US$1.40b from FY 2022). Profit margin: 28% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Non-performing loans: 6.31% (up from 5.28% in FY 2022). Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Banks industry in South America.
New Risk • Feb 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (5.3% average weekly change). Large one-off items impacting financial results.
お知らせ • Dec 02Nu Holdings Ltd. to Report Q1, 2024 Results on May 14, 2024Nu Holdings Ltd. announced that they will report Q1, 2024 results on May 14, 2024
お知らせ • Sep 01Nu Holdings Ltd. to Report Q4, 2023 Results on Feb 22, 2024Nu Holdings Ltd. announced that they will report Q4, 2023 results on Feb 22, 2024
Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: US$47.54 (vs US$0.006 loss in 2Q 2022)Second quarter 2023 results: EPS: US$47.54 (up from US$0.006 loss in 2Q 2022). Revenue: US$824.8m (up 100% from 2Q 2022). Net income: US$224.9m (up US$254.6m from 2Q 2022). Profit margin: 27% (up from net loss in 2Q 2022). Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Banks industry in Mexico.
Board Change • Aug 10High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
お知らせ • Jul 18Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023, at 17:00 Coordinated Universal Time. Location: Rua Capote Valente, 120, Pinheiros São Paulo Brazil Agenda: To consider and approve to resolve, as an ordinary resolution, that the Company’s audited financial statements and the Company’s Annual Report on Form 20-F for the fiscal year ended December 31, 2022 be approved and ratified and to resolve, as an ordinary resolution, that the reelection of the individuals listed from “a” to “i”,as directors of the Company, each to serve for a term ending on the date of the next annual general meeting of the Members, or until such person resigns or is removed in accordance with the terms of the Memorandum and Articles of Association of the Company, be approved David Velez Osorno; Douglas Mauro Leone;Anita Mary Sands;Daniel Krepel Goldberg;David Alexandre Marcus;Luis Alberto Moreno Mejia;Jacqueline Dawn Reses; Rogério Paulo Calderón Peres; and Thuan Quang Pham.
お知らせ • May 19+ 1 more updateNu Holdings Ltd. to Report Q3, 2023 Results on Nov 14, 2023Nu Holdings Ltd. announced that they will report Q3, 2023 results on Nov 14, 2023
Reported Earnings • May 17First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: US$1.14b (up 248% from 1Q 2022). Net income: US$141.8m (up US$186.9m from 1Q 2022). Profit margin: 12% (up from net loss in 1Q 2022). Revenue is forecast to grow 36% p.a. on average during the next 3 years, compared to a 7.4% growth forecast for the Banks industry in Mexico.
Reported Earnings • Feb 17Full year 2022 earnings released: US$0.078 loss per share (vs US$0.10 loss in FY 2021)Full year 2022 results: US$0.078 loss per share. Revenue: US$1.84b (up 116% from FY 2021). Net loss: US$364.6m (loss widened 121% from FY 2021). Non-performing loans: 5.28% (up from 4.51% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in Mexico.
お知らせ • Jan 06Nu Holdings Ltd. to Report Q4, 2022 Results on Feb 14, 2023Nu Holdings Ltd. announced that they will report Q4, 2022 results on Feb 14, 2023
Board Change • Nov 16High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Director Rogério Paulo Peres was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Aug 17Second quarter 2022 earnings released: US$0.006 loss per share (vs US$0.011 loss in 2Q 2021)Second quarter 2022 results: US$0.006 loss per share. Revenue: US$411.6m (up 110% from 2Q 2021). Net loss: US$29.7m (loss widened 95% from 2Q 2021). Over the next year, revenue is forecast to grow 302%, compared to a 26% growth forecast for the Banks industry in Mexico.
Breakeven Date Change • Jul 07Forecast breakeven date moved forward to 2023The 12 analysts covering Nu Holdings previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of US$17.3m in 2023. Average annual earnings growth of 70% is required to achieve expected profit on schedule.
Breakeven Date Change • Jun 17Forecast breakeven date pushed back to 2024The 14 analysts covering Nu Holdings previously expected the company to break even in 2023. New consensus forecast suggests losses will reduce by 50% per year to 2023. The company is expected to make a profit of US$630.6m in 2024. Average annual earnings growth of 76% is required to achieve expected profit on schedule.
Reported Earnings • May 17First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: US$328.5m (up 131% from 1Q 2021). Net loss: US$45.1m (loss narrowed 8.9% from 1Q 2021). Over the next year, revenue is forecast to grow 238%, compared to a 30% growth forecast for the industry in Mexico.
Board Change • Apr 27High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
Board Change • Mar 12High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
