Nu Holdings Ltd

MIL : 1NUH

CYM·Financial Services·Banks·Ordinary Shares Class A

€12.45

−0.24 (−1.89%)latest daily quote

Market Cap

€60.45B

Enterprise Value

€47.63B

P/E (TTM)

19.43

P/B

5.21

Net Cash / (Debt)

—

52-Week Range

—

5-Year Range

—

Avg Volume (3M)

1.72K

ListingsMIL FRA NYSE

Nu Holdings (Nubank) operates a digital-only bank in Brazil, Mexico, and Colombia. It offers credit cards, savings accounts, personal loans, insurance, investments, and crypto trading—all through a mobile app, with no physical branches.

Customers are retail consumers, primarily in Brazil, which accounts for over 90% of revenue. The company makes money through interest income on credit products, interchange fees on card spending, and fees on financial services like insurance and investments.

It built its user base (100M+ customers) by undercutting traditional Brazilian banks on fees in a market historically dominated by a handful of large, expensive incumbents.

Employees10,027IPOApr 28, 2025HQc/o Campbells Corporate Services Limited, Willow 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

27.4%

OCF Margin

−10.5%

FCF Margin

−12.7%

Returns on Capital

ROE

31.5%

ROA

4.9%

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)

19.43

Forward P/E

16.68

P/E ex-NRI

19.43

Shiller P/E (CAPE)

—

Cash Flow Multiples

P/FCF

—

P/OCF

—

P/Owner Earnings

—

FCF Yield

−2.42%

Enterprise Value Multiples

EV / EBIT

—

EV / Forward EBIT

—

EV / EBITDA

—

EV / Forward EBITDA

—

EV / Revenue

4.12

EV / Forward Revenue

4.87

Asset / Sales

P/S

5.33

P/B

5.21

P/Tangible Book

5.71

Growth-Adjusted

PEG

0.29

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%

Combined

Shareholder Yield

−2.74%

Balance Sheet

Metric

Current

Leverage

Debt / Equity

0.36

Gross Debt / EBITDA

—

Cash / Debt

4.13

Equity / Assets

0.16

Coverage

Interest Coverage

—

Short-Term Liquidity

Current Ratio

0.00

Quick Ratio

0.00

Cash Ratio

0.00

Composite Scores

Piotroski F-Score

5

Altman Z-Score

—

Split History

Date

Split

No split history found.

Dividends

Ex-date

Amount

Pay date

No dividend history found.

Transcripts

Date

Transcript

Type

Q2 2026 Nu Holdings Ltd. Earnings Call (English, Portuguese) Transcript

Q1 2026 Nu Holdings Ltd. Earnings Call (English, Portuguese) Transcript

Q4 2025 Nu Holdings Ltd Earnings Call (English, Portuguese) Transcript

Q3 2025 Nu Holdings Ltd Earnings Call Transcript

Q2 2025 Nu Holdings Ltd Earnings Call (English, Portuguese) Transcript

Q1 2025 Nu Holdings Ltd Earnings Call Transcript

Q4 2024 Nu Holdings Ltd Earnings Call Transcript

Q3 2024 Nu Holdings Ltd Earnings Call Transcript

Q2 2024 Nu Holdings Ltd Earnings Call Transcript

Q1 2024 Nu Holdings Ltd Earnings Call (English, Portuguese) Transcript

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5-Step DuPont Analysis

ROE %

31.34%

×

×

Net Margin %

27.37%

×

×

Operating Margin %

—

Operating Income

—

÷

Revenue

€11.34B

×

Tax Burden

0.8231

Net Income

€3.10B

÷

Pretax Income

€3.77B

×

Interest Burden

—

Pretax Income

€3.77B

÷

Operating Income

—

×

Asset Turnover

0.18

÷

Revenue

€11.34B

÷

Average Total Assets

€63.11B

Begin Total Assets

€54.39B

End Total Assets

€71.83B

×

Equity Multiplier

6.37

÷

Avg Total Assets

€63.11B

÷

Avg Stockholders Equity

€9.90B

Begin Equity

€8.30B

End Equity

€11.50B