NU Stock Overview

Provides digital banking platform in Brazil, Mexico, Colombia, Cayman Islands, Germany, Argentina, the United States, and Uruguay. More details

NU fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	6/6
Past Performance	6/6
Financial Health	1/6
Dividends	0/6

Rewards

Earnings are forecast to grow 28.58% per year

Earnings grew by 378.5% over the past year

Risk Analysis

No risks detected for NU from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Nu Holdings Ltd. Competitors

Grupo Financiero Galicia

BASE:GGAL

AR$11.2t

Banco Macro

BASE:BMA

AR$7.5t

Banco BBVA Argentina

BASE:BBAR

AR$4.6t

Banco Patagonia

BASE:BPAT

AR$2.0t

Price History & Performance

Summary of share price highs, lows and changes for Nu Holdings
Historical stock prices
Current Share Price	US$6,110.00
52 Week High	US$9,990.00
52 Week Low	US$5,490.00
Beta	0.99
1 Month Change	-21.06%
3 Month Change	-28.54%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-5.00%

Recent updates

Shareholder Returns

	NU	AR Banks	AR Market
7D	2.9%	6.7%	5.9%
1Y	n/a	336.5%	153.5%

Return vs Industry: Insufficient data to determine how NU performed against the AR Banks industry.

Return vs Market: Insufficient data to determine how NU performed against the AR Market.

Price Volatility

Is NU's price volatile compared to industry and market?
NU volatility
NU Average Weekly Movement	7.5%
Banks Industry Average Movement	8.0%
Market Average Movement	6.2%
10% most volatile stocks in AR Market	9.0%
10% least volatile stocks in AR Market	4.9%

Stable Share Price: NU has not had significant price volatility in the past 3 months compared to the AR market.

Volatility Over Time: NU's weekly volatility (8%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2013	n/a	David Velez-Osomo	www.nubank.com.br

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, Cayman Islands, Germany, Argentina, the United States, and Uruguay. It offers spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Ultraviolet credit and prepaid card, a premium metal credit card for affluent customers; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated mall that enables customers to purchase goods and services from various ecommerce retailers. The company also provides savings solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business prepaid and credit card; and Nu business accounts for entrepreneur customers and their businesses.

Nu Holdings Ltd. Fundamentals Summary

How do Nu Holdings's earnings and revenue compare to its market cap?
NU fundamental statistics
Market cap	AR$50.92t
Earnings (TTM)	AR$1.82t
Revenue (TTM)	AR$5.58t

28.0x

P/E Ratio

6.5x

P/B Ratio

Is NU overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NU income statement (TTM)
Revenue	US$5.46b
Cost of Revenue	US$0
Gross Profit	US$5.46b
Other Expenses	US$3.68b
Earnings	US$1.78b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 20, 2025

Earnings per share (EPS)	0.37
Gross Margin	100.00%
Net Profit Margin	32.60%
Debt/Equity Ratio	27.8%

How did NU perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 08:17
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Nu Holdings Ltd. is covered by 27 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
John Coffey	Barclays
Rafael Reis	BB Banco de Investimento S.A.
Mario Lucio Pierry	BofA Global Research