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Nu Holdings Ltd. NU

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11.74 USD -0.25 (-2.09%)

At closeNov 6, 2026, 4:25 AM EST

11.79 +0.05 +0.43%

Pre-market · Nov 6, 4:25 AM ET

11.21 Day range 12.02
11.20 52-week range 18.98
YTD
-29.87%
1 year
-27.40%

Financial health

Altman Z-Score

0.59 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.

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