Nu Holdings Ltd. NU

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Price alert · NU

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11.61 USD -0.44 -3.65%

At close · Oct 30

11.65 +0.04 +0.33%

After hours · Oct 30, 7:56 PM ET

Bid
11.60 × 32,300
Ask
11.61 × 52,900
11.48 Day range 11.86
11.60 52-week range 18.76
YTD
-30.65%
1 year
-27.71%
Open
11.75
Prev close
12.05
Mkt cap
56.08B
Vol
92.98M
Avg vol
78.31M
EPS
0.73
P/E
15.90
Div yield
0.00%
More statistics
Low
11.48
High
11.86
Forward P/E
10.32
Beta
0.95
Short ratio
1.65
Inst. own
82.45%
Dividend
0.00
Ex-div date
Earnings
Nov 12, 2026
50-d avg
14.37
200-d avg
14.48
1y target
18.80

MAX chart

Chart tools
Interval

Events in this range
  • Aug 14, 2025Earnings: 0.14; estimate 0.1333; surprise 5.03%
  • Nov 13, 2025Earnings: 0.17; estimate 0.16; surprise 6.25%
  • Feb 25, 2026Earnings: 0.19; estimate 0.1998; surprise -4.9%
  • May 14, 2026Earnings: 0.19; estimate 0.1984; surprise -4.23%
  • Aug 13, 2026Earnings: 0.22; estimate 0.1984; surprise 10.89%
  • Aug 25, 2026Rating: Wolfe Research · Outperform → Outperform
  • Sep 11, 2026Rating: Needham · Buy → Buy
  • Sep 16, 2026Downgrade: Itau BBA · Outperform → Market Perform
  • Sep 28, 2026Rating: Needham · Buy → Buy
  • Oct 6, 2026Rating: JP Morgan · Overweight → Overweight
  • Oct 20, 2026Rating: UBS · Buy → Buy
Signals (83)
NameDateAgo
SMA: BearishOct 26, 20266 days ago
SMA: BearishOct 26, 20266 days ago
MACD: Sell SignalOct 26, 20266 days ago
SMA: BullishOct 5, 20263 weeks ago
SMA: BullishOct 5, 20263 weeks ago
SMA: BearishSep 14, 20261 month ago
SMA: BearishSep 14, 20261 month ago
SMA: BullishAug 10, 20262 months ago
MACD: Buy SignalJul 6, 20263 months ago
SMA: BullishJun 22, 20264 months ago
SMA: BearishApr 20, 20266 months ago
SMA: BullishApr 13, 20266 months ago
SMA: BearishFeb 23, 20268 months ago
SMA: BearishFeb 23, 20268 months ago
SMA: BullishFeb 16, 20268 months ago
SMA: BearishFeb 9, 20268 months ago
MACD: Sell SignalFeb 2, 20269 months ago
SMA: BullishJan 19, 20269 months ago
MACD: Buy SignalJan 19, 20269 months ago
SMA: BearishJan 12, 20269 months ago
MACD: Sell SignalJan 12, 20269 months ago
RSI: OverboughtNov 24, 202511 months ago
SMA: BullishAug 11, 20251 year ago
SMA: BearishJul 28, 20251 year ago
SMA: BullishJun 23, 20251 year ago
SMA: BearishJun 9, 20251 year ago
SMA: BullishMay 26, 20251 year ago
SMA: BearishMay 19, 20251 year ago
SMA: BullishApr 28, 20251 year ago
MACD: Buy SignalApr 28, 20251 year ago
SMA: BullishApr 21, 20251 year ago
SMA: BearishFeb 17, 20251 year ago
SMA: BearishFeb 17, 20251 year ago
MACD: Sell SignalFeb 17, 20251 year ago
MACD: Buy SignalFeb 3, 20251 year ago
SMA: BullishJan 27, 20251 year ago
SMA: BullishJan 20, 20251 year ago
SMA: BearishNov 25, 20241 year ago
SMA: BearishNov 11, 20241 year ago
SMA: BullishOct 14, 20242 years ago
SMA: BearishSep 30, 20242 years ago
MACD: Sell SignalSep 30, 20242 years ago
MACD: Buy SignalAug 19, 20242 years ago
SMA: BullishAug 12, 20242 years ago
SMA: BullishAug 5, 20242 years ago
SMA: BearishJul 29, 20242 years ago
SMA: BearishJul 22, 20242 years ago
MACD: Sell SignalJul 22, 20242 years ago
MACD: Buy SignalJul 1, 20242 years ago
RSI: OverboughtJun 24, 20242 years ago
SMA: BullishApr 29, 20242 years ago
MACD: Sell SignalApr 22, 20242 years ago
SMA: BearishApr 15, 20242 years ago
MACD: Buy SignalJan 8, 20242 years ago
RSI: OverboughtJan 8, 20242 years ago
SMA: BullishDec 25, 20232 years ago
SMA: BearishDec 18, 20232 years ago
MACD: Sell SignalNov 27, 20232 years ago
MACD: Buy SignalOct 30, 20233 years ago
SMA: BullishOct 2, 20233 years ago
SMA: BearishAug 14, 20233 years ago
MACD: Sell SignalAug 14, 20233 years ago
RSI: OverboughtMay 22, 20233 years ago
SMA: BearishApr 3, 20233 years ago
SMA: BullishMar 27, 20233 years ago
SMA: BullishMar 27, 20233 years ago
SMA: BearishMar 20, 20233 years ago
SMA: BearishMar 20, 20233 years ago
SMA: BullishJan 23, 20233 years ago
SMA: BullishJan 23, 20233 years ago
SMA: BearishDec 5, 20223 years ago
SMA: BullishNov 21, 20223 years ago
SMA: BearishNov 7, 20223 years ago
SMA: BearishNov 7, 20223 years ago
SMA: BullishOct 31, 20224 years ago
SMA: BullishOct 31, 20224 years ago
SMA: BearishSep 26, 20224 years ago
SMA: BullishJul 18, 20224 years ago
RSI: OversoldApr 25, 20224 years ago
SMA: BearishApr 4, 20224 years ago
SMA: BullishMar 14, 20224 years ago
SMA: BearishFeb 21, 20224 years ago
SMA: BullishFeb 14, 20224 years ago

Financial health

Altman Z-Score

0.58 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 28.4×
FY 2018: -1666×FY 2019: -514×FY 2020: -278×FY 2021: -262×FY 2022: -52.2×FY 2023: 37.9×FY 2024: 25.3×FY 2025: 28.4×
FY 2018 5y median 25.3× FY 2025
P/S 5.1×
FY 2018: 188×FY 2019: 101×FY 2020: 82.8×FY 2021: 28.6×FY 2022: 4.2×FY 2023: 5.1×FY 2024: 4.5×FY 2025: 5.1×
FY 2018 5y median 5.1× FY 2025
P/B 7.2×
FY 2018: 160×FY 2019: 77.8×FY 2020: 109×FY 2021: 9.7×FY 2022: 3.9×FY 2023: 6.2×FY 2024: 6.5×FY 2025: 7.2×
FY 2018 5y median 6.5× FY 2025
P/FCF 23.2×
FY 2018: -4026×FY 2019: 175×FY 2020: 49.3×FY 2021: -14.6×FY 2022: 29.7×FY 2023: 36.2×FY 2024: 22.3×FY 2025: 23.2×
FY 2018 5y median 23.2× FY 2025
EV/EBITDA 17.9×
FY 2018: -1470×FY 2019: -382×FY 2020: -254×FY 2021: -268×FY 2022: -47.4×FY 2023: 17.0×FY 2024: 12.8×FY 2025: 17.9×
FY 2018 5y median 12.8× FY 2025
EV/Sales 4.5×
FY 2018: 188×FY 2019: 101×FY 2020: 82.1×FY 2021: 27.0×FY 2022: 2.9×FY 2023: 3.6×FY 2024: 3.3×FY 2025: 4.5×
FY 2018 5y median 3.6× FY 2025
FCF Yield 4.3%
FY 2018: -0.0%FY 2019: 0.6%FY 2020: 2.0%FY 2021: -6.8%FY 2022: 3.4%FY 2023: 2.8%FY 2024: 4.5%FY 2025: 4.3%
FY 2018 5y median 3.4% FY 2025

Profitability

Gross Margin 44.8%
FY 2018: 35.3%FY 2019: 39.3%FY 2020: 33.1%FY 2021: 43.9%FY 2022: 34.7%FY 2023: 43.6%FY 2024: 45.9%FY 2025: 44.8%
FY 2018 5y median 43.9% FY 2025
Operating Margin 24.4%
FY 2018: -13.2%FY 2019: -27.6%FY 2020: -33.6%FY 2021: -11.3%FY 2022: -6.8%FY 2023: 20.1%FY 2024: 25.2%FY 2025: 24.4%
FY 2018 5y median 20.1% FY 2025
Net Margin 18.1%
FY 2018: -11.3%FY 2019: -19.7%FY 2020: -29.8%FY 2021: -10.9%FY 2022: -8.1%FY 2023: 13.4%FY 2024: 17.8%FY 2025: 18.1%
FY 2018 5y median 13.4% FY 2025
ROE 25.4%
FY 2018: -9.6%FY 2019: -15.1%FY 2020: -39.1%FY 2021: -3.7%FY 2022: -7.5%FY 2023: 16.1%FY 2024: 25.8%FY 2025: 25.4%
FY 2018 5y median 16.1% FY 2025
ROIC 16.3%
FY 2018: -5.8%FY 2019: -3.7%FY 2020: -19.7%FY 2021: -3.2%FY 2022: -4.4%FY 2023: 10.6%FY 2024: 17.1%FY 2025: 16.3%
FY 2018 5y median 10.6% FY 2025
ROA 3.8%
FY 2018: -1.0%FY 2019: -1.4%FY 2020: -1.7%FY 2021: -0.8%FY 2022: -1.2%FY 2023: 2.4%FY 2024: 3.9%FY 2025: 3.8%
FY 2018 5y median 2.4% FY 2025

Growth (YoY)

Revenue 43.0%
FY 2018: 0.0%FY 2019: 85.2%FY 2020: 22.5%FY 2021: 163.1%FY 2022: 198.8%FY 2023: 69.7%FY 2024: 44.8%FY 2025: 43.0%
FY 2018 FY 2025
Operating Income 38.4%
FY 2018: 0.0%FY 2019: -287.1%FY 2020: -49.4%FY 2021: 11.9%FY 2022: -81.5%FY 2023: 598.2%FY 2024: 81.6%FY 2025: 38.4%
FY 2018 FY 2025
EPS (diluted) 45.0%
FY 2018: 0.0%FY 2019: -224.2%FY 2020: -85.1%FY 2021: 3.8%FY 2022: -117.9%FY 2023: 369.2%FY 2024: 90.5%FY 2025: 45.0%
FY 2018 FY 2025
Free Cash Flow 57.1%
FY 2018: 0.0%FY 2019: 2395.4%FY 2020: 256.1%FY 2021: -405.5%FY 2022: 121.7%FY 2023: 69.8%FY 2024: 104.2%FY 2025: 57.1%
FY 2018 FY 2025

Financial Health

Current Ratio 0.6×
FY 2018: 0.9×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.6×
FY 2018 5y median 1.1× FY 2025
Quick Ratio 0.6×
FY 2018: 0.9×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.6×
FY 2018 5y median 1.1× FY 2025
Debt / Equity 0.5×
FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.5×
FY 2018 5y median 0.2× FY 2025
Net Debt / EBITDA -2.5×
FY 2018: 2.7×FY 2019: 0.9×FY 2020: 2.2×FY 2021: 15.4×FY 2022: 22.3×FY 2023: -7.6×FY 2024: -4.4×FY 2025: -2.5×
FY 2018 5y median -2.5× FY 2025
Interest Coverage 0.8×
FY 2018: -0.7×FY 2019: -1.2×FY 2020: -0.9×FY 2021: -0.5×FY 2022: -0.2×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.8×
FY 2018 5y median 0.8× FY 2025

Dividends

Dividend Yield 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31