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.
Employees10,027IPODec 9, 2021HQc/o Campbells Corporate Services Limited, Willow House, Cricket Square, 4th Floor, Grand Cayman, CYM, KY1-9010
to
Financials
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)
19.78
Forward P/E
16.76
P/E ex-NRI
19.78
Shiller P/E (CAPE)
—
Cash Flow Multiples
P/FCF
—
P/OCF
—
P/Owner Earnings
—
FCF Yield
−2.38%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
20.80
EV / EBITDA
—
EV / Forward EBITDA
20.09
EV / Revenue
4.24
EV / Forward Revenue
5.22
Asset / Sales
P/S
5.46
P/B
5.31
P/Tangible Book
5.82
Growth-Adjusted
PEG
0.30
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
−2.58%
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.
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 %
31.61%
×
×
Net Margin %
27.38%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$13.17B
×
Tax Burden
0.8226
Net Income
$3.61B
÷
Pretax Income
$4.38B
×
Interest Burden
—
Pretax Income
$4.38B
÷
Operating Income
—
×
Asset Turnover
0.18
÷
Revenue
$13.17B
÷
Average Total Assets
$72.74B
Begin Total Assets
$62.73B
End Total Assets
$82.75B
×
Equity Multiplier
6.37
÷
Avg Total Assets
$72.74B
÷
Avg Stockholders Equity
$11.41B
Begin Equity
$9.57B
End Equity
$13.25B
Top institutional holders
Q2 2026| Holder | Shares | % Owned | Chg. shares | |
|---|---|---|---|---|
| BlackRock, Inc. | 355.0M | 7.31% | +15.1M | $4.74B |
| BAILLIE GIFFORD & CO | 229.9M | 4.74% | -16.6M | $3.07B |
| Capital Research Global Investors | 142.8M | 2.94% | +14.3M | $1.91B |
| MORGAN STANLEY | 118.0M | 2.43% | -23.7M | $1.58B |
| JPMORGAN CHASE & CO | 100.0M | 2.06% | +8.6M | $1.31B |
| STATE STREET CORP | 96.8M | 1.99% | +3.8M | $1.29B |
| FMR LLC | 75.6M | 1.56% | +2.4M | $1.01B |
| WCM INVESTMENT MANAGEMENT, LLC | 74.4M | 1.53% | +1.6M | $977.48M |
| LONE PINE CAPITAL LLC | 47.2M | 0.97% | +9.2M | $630.86M |
| NORGES BANK | 46.3M | 0.95% | new | $618.40M |
10 of 871
View allTop insider holdings
as reported| Insider | Shares held | % Owned | |
|---|---|---|---|
| Velez Osorno DavidOfficer | 19.7M | 0.4065% | $287.37M |
| Junqueira Cristina Helena ZingarettiOfficer | 7.4M | 0.1528% | $108.03M |
| Lago Guilherme MarquesOfficer | 7.0M | 0.1437% | $101.57M |
| Livingston Robert PhilipOfficer | 2.2M | 0.0452% | $31.95M |
| Wilson Sarah K.Officer | 1.4M | 0.0295% | $20.83M |
| Fragelli Henrique Camossa SaldanhaOfficer | 979.4K | 0.0202% | $14.26M |
| Marcus DavidDirector | 655.0K | 0.0135% | $9.54M |
| Moreno Mejia Luis AlbertoDirector | 252.5K | 0.0052% | $3.68M |
| LEONE DOUGLAS MDirector | 200.2K | 0.0041% | $2.92M |
| Sands Anita MDirector | 194.2K | 0.0040% | $2.83M |
10 of 14
View allRecent insider activity
through Oct 15, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Velez Osorno DavidOfficer | Grant/Award (Rule 16b-3(d)) | +13.6M | $0 | Oct 15, 2026 |
| Junqueira Cristina Helena ZingarettiOfficer | Open-Market or Private Sale | -25.0K | $375.4K | Oct 5, 2026 |
| Wilson Sarah K.Officer | Grant/Award (Rule 16b-3(d)) | +1.4M | $0 | Sep 28, 2026 |
| Junqueira Cristina Helena ZingarettiOfficer | Open-Market or Private Sale | -65.0K | $956.5K | Aug 25, 2026 |
| Junqueira Cristina Helena ZingarettiOfficer | Open-Market or Private Sale | -25.0K | $375.0K | Aug 24, 2026 |
| PIACENTINI DIEGODirector | Grant/Award (Rule 16b-3(d)) | +1.4K | $0 | Aug 24, 2026 |
| Moreno Mejia Luis AlbertoDirector | Grant/Award (Rule 16b-3(d)) | +1.0K | $0 | Aug 24, 2026 |
| Sands Anita MDirector | Grant/Award (Rule 16b-3(d)) | +1.4K | $0 | Aug 24, 2026 |
| LEONE DOUGLAS MDirector | Grant/Award (Rule 16b-3(d)) | +1.4K | $0 | Aug 24, 2026 |
| Fragelli Henrique Camossa SaldanhaOfficer | Open-Market or Private Sale | -221.7K | $3.51M | Aug 14, 2026 |
10 of 32
View all