75/100B13.210
USD
1.42
(12.04%)
Post Trading·13.070USD-0.140(-1.06%)
Last updated: · Delayed 15 min
If you had invested in Nu Holdings ago, it would be worth $2,977 today, against $1,994 in SPY and $2,418 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
75/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation—
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength4
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders—
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
Nu Holdings key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Growth stock · 10.0/10Growth 10.0 · Value 4.5
- Day range
- 12.105 – 13.240
- 52-week range
- 11.200 – 18.980
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 63.81B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 16.31
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 0.50
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 0.81
- EPS growth forecast (FY2026)
- +40.6%
- Volume
- 9,412,129
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 0.94
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 78.2/100Environment 73 · Social 83 · Governance 78
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- David Velez Osorno
- Employees
- 8K
- Website
- nubank.com.br
- IPO date
- 9 Dec 2021
Nu Holdings earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Latest results · Q3 FY2026
Reported EPS
0.22-2.78%
est. 0.23
Reported revenue
6.30B+5.66%
est. 5.96B
Next report · Q4 FY2026
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 0.28 | — | — | +26.62% | 7.04B | — | — | +11.72% | |
| Q2 FY2027 | 0.27 | — | — | +20.83% | 6.71B | — | — | +14.27% | |
| Q1 FY2027 | 0.24 | — | — | +27.42% | 6.43B | — | — | +20.97% | |
| Q4 FY2026 | 0.23 | — | — | +21.05% | 6.23B | — | — | +27.10% | |
| Q3 FY2026 | 0.23 | 0.22 | -2.78% | +29.41% | 5.96B | 6.30B | +5.66% | +57.31% | |
| Q2 FY2026 | 0.20 | 0.22 | +10.89% | +57.14% | 5.39B | 5.88B | +9.10% | +65.99% | |
| Q1 FY2026 | 0.20 | 0.19 | -4.23% | +66.81% | 5.06B | 5.32B | +5.05% | +63.67% | |
| Q4 FY2025 | 0.20 | 0.19 | -4.90% | +58.33% | 4.55B | 4.90B | +7.67% | +63.92% | |
| Q3 FY2025 | 0.16 | 0.17 | +6.25% | +41.67% | 3.52B | 4.00B | +13.68% | +40.16% | |
| Q2 FY2025 | 0.13 | 0.14 | +5.03% | +16.67% | 3.19B | 3.54B | +10.99% | +28.71% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 1.39 | — | — | +26.89% | 34.56B | — | — | +24.70% |
| FY2027 | 1.09 | — | — | +26.65% | 27.72B | — | — | +22.42% |
| FY2026 | 0.86 | — | — | +40.61% | 22.64B | — | — | +44.28% |
| FY2025 | 0.61 | 0.61 | +0.68% | +36.42% | 14.00B | 15.69B | +12.06% | +38.47% |
| FY2024 | 0.42 | 0.45 | +6.01% | +87.50% | 10.10B | 11.33B | +12.21% | +44.69% |
| FY2023 | 0.23 | 0.24 | +3.73% | +901.67% | 6.94B | 7.83B | +12.88% | +73.32% |
| FY2022 | 0.01 | 0.02 | +352.67% | — | 4.79B | 4.52B | -5.61% | — |
Analysts' estimates for FY2026 over the last 7 days:EPS Revenue How the estimates moved
Nu Holdings analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
12-month price target
17.36 USD
+31.42%
Analysts' 1-year price targets range from 13.00 to 20.50, with an average of 17.36.
Past year
1-year forecast
Strong sellStrong buy
Hold
8 ratings
| Buy | 4 | |
| Hold | 3 | |
| Sell | 1 |
12-month price target
| Highest target | 20.50 |
| Average target | 17.36 |
| Lowest target | 13.00 |
| Current price | 13.21 |
Nu Holdings valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 16.31
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 15.30
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 3.07
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 4.45
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 6.00
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
63.81B USD
+
Total debt
2.97B USD
−
Cash and short-term investments
38.14B USD
=
Enterprise value
28.64B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
Nu Holdings against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Truist Financial, Fifth Third Bancorp, The PNC Financial Services Group, U.S. Bancorp, Huntington Bancshares, and M&T Bank, the US Banks - Regional companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- Gross marginAbove its median44.8%34.7%45.9%Against its peers: 7 of 7Peers' median 64.1%
- Operating marginAbove its median24.4%-11.3%25.2%Against its peers: 4 of 7Peers' median 23.6%
- Net marginHighest in 5 years18.1%-10.9%18.1%Against its peers: 4 of 7Peers' median 18.7%
- Return on equityAbove its median25.4%-7.5%25.8%Against its peers: 1 of 7Peers' median 10.6%
- Free cash flow marginHighest in 5 years22.0%-195.2%22.0%Against its peers: 3 of 7Peers' median 18.7%
- Revenue growthLowest in 5 years43.0%43.0%198.8%Against its peers: 1 of 7Peers' median 0.6%
- Debt to EBITDAHighest in 5 years1.31×0.31×1.31×Against its peers: 1 of 7Peers' median 5.90×
- Current ratioLowest in 5 years0.590.591.12Against its peers: 3 of 7Peers' median 0.29
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Nu Holdings growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 20.81B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 3.92B USD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 43.00%
- Operating margin
- 22.20%
- Net margin
- 18.82%
Revenue / Net income
Revenue Net income Net margin
How Nu Holdings makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue15.88B 100.0%
Cost of revenue8.76B 55.2%
Gross profit7.12B 44.8%
Selling and administration602.21M 3.8%
Other operating expenses2.65B 16.7%
Operating income3.87B 24.4%
Tax996.75M 6.3%
Other expense2.78M 0.0%
Net income2.87B 18.1%
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
Nu Holdings financial health
- Cash and short-term investments
- 38.14B USD
- Total debt
- 2.97B USD
- Net cash
- 35.17B USD
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 0.89
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 0.21
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 6 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 0.99
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
Nu Holdings ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 59.50%
- Institutional holders
- 940 (-34)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 74.50%
Who owns the shares
Institutions 59.5% Others 40.5%
As of 30 Jun 2026
Shares free to trade
Free float 3.60B shares ·74.5% Closely held 1.23B shares ·25.5%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q4 2026 | 0 | 1 | 13.58M | 25.00K |
| Q3 2026 | 0 | 4 | 3.83M | 428.94K |
| Q2 2026 | 0 | 1 | 2.36M | 2.47M |
| Q1 2026 | 0 | 2 | 0.00 | 300.00K |
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Title: Nu Holdings Ltd
Sector: Financial Services
Industry: Banks - Regional
Nubank is a Brazilian financial technology firm that offers digital banking services in Brazil, Mexico, and Colombia. Founded in 2013, it is best known for its credit cards and online savings accounts. However, Nubank has expanded its offerings to cover consumer loans, insurance, investments, and cryptocurrency through its mobile app. Thanks to its success in disrupting Brazil's concentrated and fee-heavy banking sector, the company now serves over 100 million customers across its three core markets. Brazil provides more than 90% of its revenue.