Nu Holdings operates a digital-only bank primarily in Brazil, with expanding operations in Mexico and Colombia. It serves retail consumers and small businesses, offering credit cards, checking accounts, personal loans, investments, insurance, and payment services—all through a mobile app with no physical branches. Revenue comes mainly from interest on credit products and fees, with Brazil accounting for most of its business.
Employees8,716IPODec 13, 2021SIC6029HQWillow House, Cricket Square, 4th Floor, Grand Cayman, CYM, KY1-9010
to
Financials (EUR)
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
27.0%
OCF Margin
—
FCF Margin
30.3%
Returns on Capital
ROE
30.1%
ROA
4.6%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
3
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
25.92
Forward P/E
16.99
P/E ex-NRI
25.92
Shiller P/E (CAPE)
—
Cash Flow Multiples
P/FCF
23.55
P/OCF
21.27
P/Owner Earnings
—
FCF Yield
4.34%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
21.76
EV / EBITDA
—
EV / Forward EBITDA
21.01
EV / Revenue
5.02
EV / Forward Revenue
5.53
Asset / Sales
P/S
7.02
P/B
6.54
P/Tangible Book
6.98
Growth-Adjusted
PEG
0.40
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
0.00%
Forward Dividend Yield
0.00%
3Y Dividend Growth
0.0%
Payout Ratio
0.00
5Y Yield on Cost
0.00%
Buybacks & Dilution
3Y Buyback Ratio
−1.10%
5Y Share Change
6.5%
Combined
Shareholder Yield
−0.34%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
0.17
Gross Debt / EBITDA
—
Cash / Debt
11.03
Equity / Assets
0.15
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
7
Altman Z-Score
—
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
No dividend history found.
Date
Transcript
Type
2026-08-13
Q2 2026 Nu Holdings Ltd. Earnings Call (English, Portuguese) Transcript
Earnings Call
2026-05-14
Q1 2026 Nu Holdings Ltd. Earnings Call (English, Portuguese) Transcript
Earnings Call
2026-02-25
Q4 2025 Nu Holdings Ltd Earnings Call (English, Portuguese) Transcript
Earnings Call
2025-11-13
Q3 2025 Nu Holdings Ltd Earnings Call Transcript
Earnings Call
2025-08-14
Q2 2025 Nu Holdings Ltd Earnings Call (English, Portuguese) Transcript
Earnings Call
2025-05-13
Q1 2025 Nu Holdings Ltd Earnings Call Transcript
Earnings Call
2025-02-20
Q4 2024 Nu Holdings Ltd Earnings Call Transcript
Earnings Call
2024-11-13
Q3 2024 Nu Holdings Ltd Earnings Call Transcript
Earnings Call
2024-08-13
Q2 2024 Nu Holdings Ltd Earnings Call Transcript
Earnings Call
2024-05-14
Q1 2024 Nu Holdings Ltd Earnings Call (English, Portuguese) Transcript
Earnings Call
10 of 20
5-Step DuPont Analysis
ROE %
29.46%
×
×
Net Margin %
26.95%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
€9.26B
×
Tax Burden
0.7409
Net Income
€2.50B
÷
Pretax Income
€3.37B
×
Interest Burden
—
Pretax Income
€3.37B
÷
Operating Income
—
×
Asset Turnover
0.17
÷
Revenue
€9.26B
÷
Average Total Assets
€55.82B
Begin Total Assets
€47.68B
End Total Assets
€63.96B
×
Equity Multiplier
6.59
÷
Avg Total Assets
€55.82B
÷
Avg Stockholders Equity
€8.47B
Begin Equity
€7.30B
End Equity
€9.64B