1NUH Stock Overview

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

1NUH fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	6/6
Past Performance	6/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 7.7% below our estimate of its fair value

Earnings are forecast to grow 23.8% per year

Earnings grew by 91.4% over the past year

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Nu Holdings Ltd. Competitors

UniCredit

BIT:UCG

€83.8b

Intesa Sanpaolo

BIT:ISP

€86.3b

Banco BPM

BIT:BAMI

€15.1b

Mediobanca Banca di Credito Finanziario

BIT:MB

€16.6b

Price History & Performance

Summary of share price highs, lows and changes for Nu Holdings
Historical stock prices
Current Share Price	US$11.38
52 Week High	US$11.05
52 Week Low	US$10.82
Beta	1.11
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	11.63%

Recent updates

Shareholder Returns

	1NUH	IT Banks	IT Market
7D	3.7%	3.8%	3.4%
1Y	n/a	42.0%	12.8%

Return vs Industry: Insufficient data to determine how 1NUH performed against the Italian Banks industry.

Return vs Market: Insufficient data to determine how 1NUH performed against the Italian Market.

Price Volatility

Is 1NUH's price volatile compared to industry and market?
1NUH volatility
1NUH Average Weekly Movement	n/a
Banks Industry Average Movement	5.9%
Market Average Movement	5.3%
10% most volatile stocks in IT Market	8.7%
10% least volatile stocks in IT Market	3.3%

Stable Share Price: 1NUH's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1NUH's volatility change 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, the Cayman Islands, and the United States. It offers spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. The company also provides transactional Solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card.

Nu Holdings Ltd. Fundamentals Summary

How do Nu Holdings's earnings and revenue compare to its market cap?
1NUH fundamental statistics
Market cap	€54.81b
Earnings (TTM)	€1.75b
Revenue (TTM)	€4.90b

31.3x

P/E Ratio

8.1x

P/B Ratio

Is 1NUH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1NUH income statement (TTM)
Revenue	US$5.51b
Cost of Revenue	US$0
Gross Profit	US$5.51b
Other Expenses	US$3.54b
Earnings	US$1.97b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

May 13, 2025

Earnings per share (EPS)	0.41
Gross Margin	100.00%
Net Profit Margin	35.77%
Debt/Equity Ratio	27.1%

How did 1NUH perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/09 04:10
End of Day Share Price	2025/05/09 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

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 Github.

Analyst Sources

Nu Holdings Ltd. is covered by 28 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

Nu Holdings BIT:1NUH Stock Report