Stock AnalizNu Holdings Ltd. NU
Finance: Consumer Services · IPO 2021 · data as of November 13, 2026
Nu Holdings Ltd. (NU) is a financial company listed in the US with a market value of about $64.2B. In the twelve months to September 30, 2026 it had revenue of $14.5B and net income of $3.9B, a net margin of 27.0%.
Its overall Stock Analiz score is 1.4 out of 5 (weak). The strongest part is value (2/5); the weakest is shareholder returns (0/5).
Key numbers: a P/E of 16.6, 5-year revenue growth of 80% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 32% below the current price.
Score: 1.4 / 5
Checks passed
- P/E below 25
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
Checks not passed
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.5B | $10.6B | $11.5B | $8.0B | $4.8B | $1.7B | $737M | $612M |
| Net income | $3.9B | $2.9B | $2.0B | $1.0B | -$365M | -$165M | -$171M | -$93M |
| Free cash flow | -$626M | $3.2B | $2.4B | $1.3B | $756M | -$2.9B | $975M | — |
| EPS (diluted) | $0.80 | $0.58 | $0.41 | $0.21 | $-0.08 | $-0.03 | $-0.04 | $-0.02 |
| Net margin | 27.0% | 27.0% | 17.1% | 12.8% | -7.6% | -9.7% | -23.3% | -15.1% |
| ROIC | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 23 analysts is $17.83, 35% above the current price; targets range from $12.00 to $23.00; the consensus rating is “Buy”; expected EPS is $0.85 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Nu Holdings’s P/E ratio?
About 16.6, based on the last twelve months of diluted earnings per share (forward P/E about 12.7).
Is Nu Holdings stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 32% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Nu Holdings pay a dividend?
Not currently.
Is Nu Holdings a good stock to buy?
We do not give buy or sell advice. Nu Holdings scores 1.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.