pww.comNu Holdings Ltd. - NYSE:NU

Profile

Price

USD$ 13.14

()

Market Cap

USD$ 62.405B

Shares Out

4749.244 M

Employees

5403

Dividends

Yield

0 %

Payout (TTM)

0 %

DPS (TTM)

0

DPS Growth 3Yr

0 %

DPS Growth 5Yr

0 %

DPS Growth 10Yr

0 %

FinancialHealth

Cash

-

Net Debt

USD$ -12.198B

Debt/Equity (TTM)

20.0 %

Returns(TTM)

ROA

3.66 %

ROE

25.64 %

ROCE

5.32 %

Valuation(TTM)

P/E

35.975

P/B

8.379

P/FCF

7.055 %

Margins(TTM)

Gross

50.3 %

Operating

24.16 %

Pre-Tax

24.16 %

Net

16.62 %

FCFPS

1.873 %

Growth(CAGR)

RevPS 3Yr

9.515 %

RevPS 5Yr

21.725 %

RevPS 10Yr

21.725 %

NetIncomePS 3Yr

6.844 %

NetIncomePS 5Yr

36.064 %

NetIncomePS 10Yr

36.064 %

  • Last Price

    USD$ 13.14

  • 5D

    3.302%

  • 1M

    19.781%

  • 3M

    -8.559%

  • 1Y

    41.748%

Nu Holdings Ltd. (NYSE: NU) presents a strong bull case with significant customer growth, particularly in Brazil, Mexico, and Colombia, alongside expanding revenue streams and operational efficiency. The company has achieved robust profitability, with a net income increase of 107% year-over-year and a focus on secured lending. However, bears highlight risks such as increasing competition, potential asset quality issues, and the capital-intensive nature of market expansion. Additionally, currency volatility and regulatory uncertainties pose challenges. While Nu is positioned for long-term growth, investors should be cautious of market saturation and execution risks in new ventures.

Valuation And Growth

Segments

Guidance and Outlook

Bulls - Bears Say

1Y

3Y

5Y

ALL

For the Fiscal PeriodFeb-28-2025Jan-31-2025Dec-31-2024Nov-30-2024Oct-31-2024Sep-30-2024Aug-31-2024Jul-31-2024Jun-30-2024May-31-2024Apr-30-2024Mar-31-2024Feb-29-2024Jan-31-2024Dec-31-2023Nov-30-2023Oct-31-2023Sep-30-2023Aug-31-2023Jul-31-2023Jun-30-2023May-31-2023Apr-30-2023Mar-31-2023Feb-28-2023Jan-31-2023Dec-31-2022Nov-30-2022Oct-31-2022Sep-30-2022Aug-31-2022Jul-31-2022Jun-30-2022May-31-2022Apr-30-2022Mar-31-2022Feb-28-2022Jan-31-2022Dec-31-2021

Valuation Multiples

TEV/LTM Unlevered FCF

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Market Cap/LTM Levered FCF

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

P/LTM Normalized EPS

39.68

39.99

31.29

37.84

51.77

46.83

51.35

50.48

53.65

49.44

54.84

60.24

55.95

59.53

57.59

56.28

88.41

78.16

73.85

166.73

165.27

141.18

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

P/LTM EPS

36.06

36.33

28.43

34.38

48.12

43.53

47.74

46.66

49.58

45.69

51.20

56.25

52.24

111.38

107.76

105.30

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

P/BV

8.26

8.33

6.51

7.88

10.44

9.44

10.35

8.53

9.06

8.35

8.08

8.88

8.24

6.95

6.73

6.57

6.89

6.09

5.76

7.20

7.14

6.10

4.95

4.57

4.84

4.58

4.01

4.39

4.93

4.34

4.84

4.10

3.64

3.71

6.24

8.01

7.94

16.80

21.24

P/Tangible BV

9.23

9.30

7.27

8.80

11.62

10.51

11.53

9.51

10.11

9.31

9.06

9.95

9.24

7.85

7.60

7.42

7.79

6.89

6.51

8.17

8.09

6.91

5.62

5.18

5.49

5.20

4.55

4.98

5.59

4.92

5.48

4.61

4.10

4.17

6.98

8.97

8.89

22.09

27.93

TEV/LTM Total Revenue

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Market Cap/LTM Total Revenue

11.56

11.65

9.12

11.03

14.73

13.33

14.61

13.60

14.42

13.29

13.96

15.34

14.25

13.09

12.66

12.37

14.80

13.08

12.36

16.94

16.80

14.35

13.17

12.15

12.86

14.81

12.96

14.18

18.68

16.44

18.30

18.94

16.83

17.14

32.79

42.12

41.74

50.77

63.80

TEV/LTM EBITDA

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

TEV/LTM EBIT

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Margin Analysis

Gross Margin

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

SG&A Margin

38.01

38.01

38.01

38.01

40.65

40.65

40.65

43.56

43.56

43.56

45.90

45.90

45.90

51.18

51.18

59.08

59.08

59.08

67.37

67.37

67.37

79.70

79.70

79.70

94.66

94.66

94.66

99.52

99.52

99.52

104.23

104.23

104.23

105.76

105.76

105.76

102.21

102.21

102.21

EBITDA Margin

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

EBIT Margin

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Earnings from Cont. Ops Margin

32.60

32.60

32.60

32.60

31.19

31.19

31.19

29.67

29.67

29.67

27.80

27.80

27.80

11.87

11.87

2.92

2.92

2.92

-8.01

-8.01

-8.01

-19.82

-19.82

-19.82

-9.06

-9.06

-9.06

-14.02

-14.02

-14.02

-15.52

-15.52

-15.52

-19.45

-19.45

-19.45

-30.42

-30.42

-30.42

Net Income Margin

32.60

32.60

32.60

32.60

31.19

31.19

31.19

29.67

29.67

29.67

27.80

27.80

27.80

11.87

11.87

2.92

2.92

2.92

-8.00

-8.00

-8.00

-19.82

-19.82

-19.82

-9.04

-9.04

-9.04

-13.99

-13.99

-13.99

-15.49

-15.49

-15.49

-19.41

-19.41

-19.41

-30.40

-30.40

-30.40

Levered Free Cash Flow Margin

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unlevered Free Cash Flow Margin

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Margin Analysis

Total Revenue

-
-
-
-
-

US$ 5461.47

-
-

US$ 4906.12

-
-

US$ 4272.43

-
-

US$ 3706.83

-
-

US$ 3133.57

-
-

US$ 2633.47

-
-

US$ 2220.26

-
-

US$ 1839.42

-
-

US$ 1470.93

-
-

US$ 1251.94

-
-

US$ 1036.55

-
-

US$ 850.04

Profitability

Return on Equity

26.31 %

26.31 %

26.31 %

26.31 %

24.35 %

24.35 %

24.35 %

21.11 %

21.11 %

21.11 %

18.24 %

18.24 %

18.24 %

6.99 %

6.99 %

1.48 %

1.48 %

1.48 %

-3.56 %

-3.56 %

-3.56 %

-7.81 %

-7.81 %

-7.81 %

-4.00 %

-4.00 %

-4.00 %

-5.26 %

-5.26 %

-5.26 %

-5.75 %

-5.75 %

-5.75 %

-6.78 %

-6.78 %

-6.78 %

-

-

-

Return on Assets

4.22 %

4.22 %

4.22 %

4.22 %

3.90 %

3.90 %

3.90 %

3.46 %

3.46 %

3.46 %

2.81 %

2.81 %

2.81 %

1.21 %

1.21 %

0.26 %

0.26 %

0.26 %

-0.66 %

-0.66 %

-0.66 %

-1.47 %

-1.47 %

-1.47 %

-0.65 %

-0.65 %

-0.65 %

-0.90 %

-0.90 %

-0.90 %

-0.94 %

-0.94 %

-0.94 %

-1.10 %

-1.10 %

-1.10 %

-

-

-

Return on Capital

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends

Dividend/Market Cap

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Buyback Yield/Market Cap

-

-1.09 %

-1.09 %

-1.09 %

-0.98 %

-0.98 %

-0.98 %

-1.59 %

-1.42 %

-1.42 %

-1.52 %

-1.52 %

-1.52 %

-1.48 %

-1.48 %

-1.48 %

-1.42 %

-1.42 %

-1.42 %

-1.09 %

-1.09 %

-1.09 %

-1.23 %

-1.23 %

-1.23 %

-1.06 %

-1.67 %

-1.67 %

-1.47 %

-1.47 %

-1.47 %

-1.18 %

-1.18 %

-1.18 %

-0.63 %

-0.63 %

-0.63 %

-0.60 %

-

Dividend/TEV

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Buyback/TEV

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Free Cash Flow Yield/Market Cap

-

5.69 %

7.27 %

6.01 %

5.01 %

5.54 %

2.02 %

2.50 %

2.36 %

0.78 %

0.86 %

0.78 %

2.06 %

2.66 %

2.75 %

-3.58 %

-3.56 %

-4.03 %

5.69 %

4.92 %

4.97 %

2.00 %

2.63 %

2.85 %

2.66 %

2.88 %

3.30 %

-7.01 %

-6.25 %

-7.10 %

-9.68 %

-11.30 %

-12.72 %

-15.84 %

-10.10 %

-7.86 %

-8.69 %

-8.96 %

-7.13 %

Free Cash Flow Yield/TEV

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Growth

Total Revenue

US$ 73.49

US$ 73.49

US$ 73.49

US$ 73.49

US$ 86.00

US$ 86.00

US$ 86.00

US$ 92.43

US$ 92.43

US$ 92.43

US$ 101.52

US$ 101.52

US$ 101.52

US$ 113.03

US$ 113.03

US$ 110.35

US$ 110.35

US$ 110.35

US$ 114.20

US$ 114.20

US$ 114.20

US$ 116.39

US$ 116.39

US$ 116.39

US$ 117.09

US$ 117.09

US$ 117.09

US$ 138.82

US$ 138.82

US$ 138.82

US$ 132.40

US$ 132.40

US$ 132.40

US$ 99.96

US$ 99.96

US$ 99.96

-
-
-

Gross Profit

73.49 %

73.49 %

73.49 %

73.49 %

86.00 %

86.00 %

86.00 %

92.43 %

92.43 %

92.43 %

101.52 %

101.52 %

101.52 %

113.03 %

113.03 %

110.35 %

110.35 %

110.35 %

114.20 %

114.20 %

114.20 %

116.39 %

116.39 %

116.39 %

117.09 %

117.09 %

117.09 %

138.82 %

138.82 %

138.82 %

132.40 %

132.40 %

132.40 %

99.96 %

99.96 %

99.96 %

-

-

-

EBITDA

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Earnings from Cont. Ops.

378.54 %

378.54 %

378.54 %

378.54 %

1891.23 %

1891.23 %

1891.23 %

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Income

378.54 %

378.54 %

378.54 %

378.54 %

1891.23 %

1891.23 %

1891.23 %

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unlevered Free Cash Flow

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividend per Share

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Balance Sheet

  • 1y
  • 2y
  • 5y
  • ALL


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