View ValuationNu Holdings 향후 성장Future 기준 점검 5/6Nu Holdings (는) 각각 연간 19.9% 및 42.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 21.5% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 31.9% 로 예상됩니다.핵심 정보19.9%이익 성장률21.53%EPS 성장률Banks 이익 성장6.2%매출 성장률42.9%향후 자기자본이익률31.86%애널리스트 커버리지Good마지막 업데이트21 May 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updatesReported 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 6.0% growth forecast for the Banks industry in Italy.Buy Or Sell Opportunity • May 17Now 24% undervalued after recent price dropOver the last 90 days, the stock has fallen 26% to €10.36. The fair value is estimated to be €13.66, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 34% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 268% in 2 years. Earnings are forecast to grow by 84% in the next 2 years.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 5.7% growth forecast for the Banks industry in Italy.New Risk • Feb 23New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Italian 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. This is currently the only risk that has been identified for the company.공시 • 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.공시 • 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 5.5% growth forecast for the Banks industry in Italy.공시 • 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.공시 • 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 18Second 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 40% p.a. on average during the next 3 years, compared to a 3.1% growth forecast for the Banks industry in Italy.공시 • 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 • Jul 21New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Italian stocks, typically moving 5.6% 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.공시 • 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 2.5% growth forecast for the Banks industry in Italy.공시 • 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).이익 및 매출 성장 예측BIT:1NUH - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202833,6477,170N/AN/A212/31/202726,2745,438N/AN/A912/31/202621,9374,105N/AN/A73/31/20267,5943,184-9,866-9,532N/A12/31/20256,9912,869-9,702-9,361N/A9/30/20256,3612,529-6,784-6,410N/A6/30/20255,8492,300-7,909-7,625N/A3/31/20255,6472,151-4,159-3,928N/A12/31/20245,5131,972-3,687-3,512N/A9/30/20245,2831,780-5,522-5,411N/A6/30/20244,8471,530-5,807-5,686N/A3/31/20244,2481,268-7,841-7,684N/A12/31/20233,7071,031-6,576-6,399N/A9/30/20233,128372-6,378-6,204N/A6/30/20232,62877-2,777-2,617N/A3/31/20232,215-178-2,944-2,798N/A12/31/20221,839-365-5,637-5,523N/A9/30/20221,471-133-7,702-7,602N/A6/30/20221,252-175-8,366-8,290N/A3/31/20221,037-161-8,259-8,221N/A12/31/2021850-165-6,959-6,931N/A9/30/2021706-206-4,968-4,950N/A6/30/2021553-204-3,591-3,581N/A3/31/2021475-188-3,131-3,118N/A12/31/2020454-171-1,905-1,897N/A12/31/2019327-93N/A-1,813N/A12/31/2018155-29N/A-652N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: 1NUH 의 연간 예상 수익 증가율(19.9%)이 saving rate(3.3%)보다 높습니다.수익 vs 시장: 1NUH 의 연간 수익(19.9%)이 Italian 시장(11.1%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: 1NUH 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: 1NUH 의 수익(연간 42.9%)이 Italian 시장(연간 5.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: 1NUH 의 수익(연간 42.9%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: 1NUH의 자본 수익률은 3년 후 31.9%로 높을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/25 13:32종가2026/05/22 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Nu Holdings Ltd.는 28명의 분석가가 다루고 있습니다. 이 중 14명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Ramsey El-AssalBarclaysJohn CoffeyBarclaysRafael ReisBB Banco de Investimento S.A.25명의 분석가 더 보기
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 6.0% growth forecast for the Banks industry in Italy.
Buy Or Sell Opportunity • May 17Now 24% undervalued after recent price dropOver the last 90 days, the stock has fallen 26% to €10.36. The fair value is estimated to be €13.66, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 34% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 268% in 2 years. Earnings are forecast to grow by 84% in the next 2 years.
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 5.7% growth forecast for the Banks industry in Italy.
New Risk • Feb 23New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Italian 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. This is currently the only risk that has been identified for the company.
공시 • 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.
공시 • 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 5.5% growth forecast for the Banks industry in Italy.
공시 • 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.
공시 • 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 18Second 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 40% p.a. on average during the next 3 years, compared to a 3.1% growth forecast for the Banks industry in Italy.
공시 • 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 • Jul 21New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Italian stocks, typically moving 5.6% 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.
공시 • 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 2.5% growth forecast for the Banks industry in Italy.
공시 • 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).