Financial Services · Banks - Regional
Price
$13.17
Market Cap
$63.8B
Employees
8,037
Beta
0.95
Avg Volume
52,464,637
CEO
David Velez Osorno
Business Description
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides 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. It also offers 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. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
20.09
Stock Price: $13.17
EPS (Diluted): 0.59
EPS (Diluted): 0.59
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
7.17
Stock Price: $13.17
Total Equity: $11.29B
Shares: 4,907,352,000
Total Equity: $11.29B
Shares: 4,907,352,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
11.48
Market Cap: $63.78B
Total Debt: $5.18B
Cash: $15.00B
EBITDA: $3.97B
Total Debt: $5.18B
Cash: $15.00B
EBITDA: $3.97B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$71.1B
Market Cap: $63.78B
Total Debt: $5.18B
Cash: $15.00B
Total Debt: $5.18B
Cash: $15.00B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
44.8%
Gross Profit: $7.12B
Revenue: $15.88B
Revenue: $15.88B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
24.4%
Operating Income: $3.87B
Revenue: $15.88B
Revenue: $15.88B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
18.1%
Net Income: $2.87B
Revenue: $15.88B
Revenue: $15.88B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
28.9%
Net Income: $2.87B
Total Equity: $11.29B
Total Equity: $11.29B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
16.5%
Operating Income: $3.87B
Tax Rate: 25.7%
Equity: $11.29B
Total Debt: $5.18B
Cash: $15.00B
Tax Rate: 25.7%
Equity: $11.29B
Total Debt: $5.18B
Cash: $15.00B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.59
Current Assets: $35.44B
Current Liabilities: $59.81B
Current Liabilities: $59.81B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.46
Short-Term Debt: $2.53B
Long-Term Debt: $2.66B
Total Debt: $5.18B
Total Equity: $11.29B
Long-Term Debt: $2.66B
Total Debt: $5.18B
Total Equity: $11.29B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$3.24
Revenue: $15.88B
Shares: 4,907,352,000
Shares: 4,907,352,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$2.30
Total Equity: $11.29B
Shares: 4,907,352,000
Shares: 4,907,352,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$0.71
Operating CF: $3.50B
CapEx: -$7.22M
Shares: 4,907,352,000
CapEx: -$7.22M
Shares: 4,907,352,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $13.17
Stock Price: $13.17
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $2.87B
Net Income: $2.87B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares NU against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 25, 2026 3:02am (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.5B | $4.5B | $7.7B | $11.1B | $15.9B |
| Cost of Revenue | $848.0M | $3.0B | $4.3B | $6.0B | $8.8B |
| Gross Profit | $664.6M | $1.6B | $3.3B | $5.1B | $7.1B |
| Operating Expenses | $834.7M | $1.9B | $1.8B | $2.3B | $3.2B |
| Operating Income | -$170.2M | -$308.9M | $1.5B | $2.8B | $3.9B |
| Net Income | -$165.0M | -$364.6M | $1.0B | $2.0B | $2.9B |
| EBITDA | -$152.8M | $35.3B | $1.6B | $2.9B | $4.0B |
| EPS | $-0.04 | $-0.08 | $0.22 | $0.41 | $0.59 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 25, 2026 3:03am (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.5B | $6.9B | $13.4B | $13.6B | $15.0B |
| Total Current Assets | $15.6B | $25.9B | $36.7B | $37.2B | $35.4B |
| Total Assets | $19.9B | $29.9B | $43.3B | $49.9B | $74.9B |
| Current Liabilities | $14.7B | $23.2B | $33.9B | $38.9B | $59.8B |
| Long-Term Debt | $157.3M | $547.2M | $806.7M | $328.9M | $2.7B |
| Total Liabilities | $15.4B | $25.0B | $36.9B | $42.3B | $63.6B |
| Total Equity | $4.4B | $4.9B | $6.4B | $7.6B | $11.3B |
| Retained Earnings | -$128.4M | $64.6M | $1.3B | $3.4B | $6.4B |
Cash Flow (Annual)
Last updated: Jun 25, 2026 3:03am (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$2.9B | $755.6M | $1.3B | $2.4B | $3.5B |
| Capital Expenditure | -$28.5M | -$114.3M | -$177.0M | -$175.0M | -$7.2M |
| Free Cash Flow | -$3.0B | $641.3M | $1.1B | $2.2B | $3.5B |
| Acquisitions (net) | -$114.5M | -$10.3M | $0 | -$5.6M | -$1.5M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$4.6M | $0 | $0 | $0 | $0 |
| Net Change in Cash | $361.9M | $1.5B | $1.8B | $3.3B | $5.8B |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 3:09am (5h ago)| Metric | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|
| Revenue |
$22.1B $21.1B – $22.8B
|
$27.3B $24.2B – $30.6B
|
$30.6B $28.1B – $33.4B
|
$30.9B $28.4B – $33.7B
|
| EBITDA |
$7.2B $6.8B – $7.4B
|
$8.8B $7.8B – $9.9B
|
$9.9B $9.1B – $10.8B
|
$10.0B $9.2B – $10.9B
|
| Net Income |
$4.0B $3.6B – $4.5B
|
$5.3B $4.4B – $6.2B
|
$7.1B $5.8B – $8.8B
|
$8.7B $7.8B – $9.7B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 25, 2026 3:02am (2d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +198.8% | +69.7% | +44.8% | +43.0% |
| Gross Profit Growth | +135.7% | +113.7% | +52.4% | +39.6% |
| Operating Income Growth | -81.5% | +598.2% | +81.6% | +38.4% |
| Net Income Growth | -121.0% | +382.7% | +91.4% | +45.5% |
| EBITDA Growth | +23,180.1% | -95.5% | +79.3% | +38.2% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 3:09am (5h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-15 | Sands Anita M | S-Sale | 21,000.00 | $12.24 | $257,042 |
| 2026-04-23 | Fragelli Henrique Camossa Saldanha | F-InKind | 11,991.00 | $14.44 | $173,150 |
| 2026-04-23 | Lago Guilherme Marques | F-InKind | 24,348.00 | $14.44 | $351,585 |
| 2026-04-23 | Junqueira Cristina Helena Zingaretti | F-InKind | 8,264.00 | $14.44 | $119,332 |
| 2026-04-23 | Velez Osorno David | F-InKind | 45,690.00 | $14.44 | $659,764 |
| 2026-04-01 | PIACENTINI DIEGO | 0.00 | $0.00 | $0 | |
| 2026-04-01 | PIACENTINI DIEGO | 0.00 | $0.00 | $0 | |
| 2026-04-08 | Fragelli Henrique Camossa Saldanha | M-Exempt | 594,450.00 | $0.43 | $254,603 |
| 2026-04-08 | Fragelli Henrique Camossa Saldanha | M-Exempt | 1,767,000.00 | $0.29 | $515,787 |
| 2026-04-08 | Fragelli Henrique Camossa Saldanha | M-Exempt | 1,767,000.00 | $0.29 | $515,787 |
| 2026-04-08 | Fragelli Henrique Camossa Saldanha | M-Exempt | 594,450.00 | $0.43 | $254,603 |
| 2026-03-23 | Junqueira Cristina Helena Zingaretti | S-Sale | 220,000.00 | $14.82 | $3.3M |
| 2026-03-23 | Junqueira Cristina Helena Zingaretti | S-Sale | 80,000.00 | $14.81 | $1.2M |
| 2026-03-18 | Young Eric | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Young Eric | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Lago Guilherme Marques | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Lago Guilherme Marques | 1,500,000.00 | $0.43 | $642,450 | |
| 2026-03-18 | Fragelli Henrique Camossa Saldanha | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Fragelli Henrique Camossa Saldanha | 594,450.00 | $0.43 | $254,603 | |
| 2026-03-18 | Fragelli Henrique Camossa Saldanha | 1,767,000.00 | $0.29 | $515,787 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for NU — it's generated by the pipeline (
market-narrative step).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30