Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesNu Holdings Ltd

Nu Holdings Ltd

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
12.0292 USD 0.29 ( 2.46%)
Last update at 2026-11-06T21:03:00Z
VOLUME
58222549
Market Cap
68547.47M
P/E
19.71

Momentum Score

…

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is based in Sao Paulo, Brazil.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
11.79
Low
12.28
High
52 Week Price Range
11.20
Low
18.98
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Nu Holdings Ltd (Nubank) is a Brazil-headquartered digital bank offering mobile-first banking, credit cards and lending across Latin America. Long-term growth may be driven by expanding financial inclusion, cross-selling to a large digital customer base and scale gains that could support margin improvement, which may appeal to investors seeking fintech exposure in the region.
Major risks include credit losses tied to regional economic cycles, intense competition from incumbents and neo-banks, regulatory and currency volatility, and execution risk as the company expands products and geographies.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
11.74
Dividend Yield
-
Revenue TTM
8442.07M
Revenue Per Share
1.74
Gross Profit TTM
8442.07M
Debt / Equity
0.46
ROE
31.63%
Net Debt
-9792.39M
ROCE
25.67%
Diluted EPS TTM
0.72

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 3872.11M 2795.20M 1539.08M -308.90M -170.16M
Minority interest -2.78M 0.00M 0.00M 0.06M 0.34M
Net income 2868.89M 1972.11M 1030.53M -364.63M -165.33M
Selling general administrative 602.21M 1222.58M 990.96M 1275.33M 580.28M
Selling and marketing expenses - 216.70M 146.66M 153.00M 79.57M
Gross profit 7121.27M 5100.62M 3346.97M 3067.00M 1213.56M
Reconciled depreciation 97.97M 77.13M 56.23M 35.58M 17.34M
Ebit 3872.11M 2795.20M 1539.08M 1239.06M 197.52M
Ebitda 3970.08M 2872.33M 1601.97M 1274.64M 214.86M
Depreciation and amortization 97.97M 77.13M 62.90M 35.58M 17.34M
Operating income 3868.42M 2795.20M 1539.08M -308.90M -170.17M
Other operating expenses 12006.51M 8309.27M 6130.03M 4309.60M 655.76M
Interest expense 4578.68M 2834.86M 2036.92M 1547.90M 367.34M
Tax provision 996.75M 823.09M 385.37M 55.73M -4.83M
Interest income 13434.68M 9631.04M 5583.89M 3555.21M 1046.75M
Net interest income 8856.00M 6796.18M 3745.09M 2007.31M 679.40M
Income tax expense 996.75M 823.09M 508.55M 55.73M -4.83M
Total revenue 15878.62M 11104.46M 7669.11M 4792.23M 1698.02M
Total operating expenses 3249.17M 2305.42M 1807.89M 5101.13M 1868.19M
Cost of revenue 8757.34M 6003.84M 4322.14M 1724.33M 484.46M
Total other income expense net 3.69M -350.59M -466.36M -1547.96M -367.69M
Net income from continuing ops 2871.67M 1972.11M 372.04M -364.63M -165.33M
Net income applicable to common shares 2868.89M 1972.11M 1030.53M -364.63M -164.99M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 74893.88M 49931.21M 43345.19M 29916.56M 19858.68M
Intangible assets 601.67M 347.62M 295.88M 182.16M 72.34M
Other current assets 22.24M 153.14M 178.08M 3327.12M 1868.28M
Total liab 63572.32M 42284.14M 36938.81M 25025.78M 15416.14M
Total stockholder equity 11290.95M 7646.29M 6406.39M 4890.78M 4441.03M
Deferred long term liab - - - 157.44M 76.18M
Other current liab 42227.64M 27933.16M 22561.15M -7054.78M -38.30M
Common stock 0.08M 0.08M 0.08M 0.08M 0.08M
Capital stock 0.08M 0.08M 0.08M 0.08M 0.08M
Retained earnings 6412.70M 3420.60M 1276.95M 64.58M -128.41M
Other liab - - - 719.19M 251.27M
Good will 409.37M 414.29M 397.54M 397.40M 401.87M
Other assets 2840.10M 5321.89M -9410.26M 25118.16M 2985.14M
Cash 15003.64M 13637.27M 13370.86M 6950.64M 2528.53M
Cash and equivalents 0.00M 0.01M 1.48M 1.18M 2.83M
Total current liabilities 59811.14M 38900.25M 33941.33M 62.10M 4882.16M
Current deferred revenue - - -9868.88M 41.70M 30.70M
Net debt -9792.39M -12750.74M -12203.19M -6344.72M -2363.65M
Short term debt 2525.44M 531.46M 324.05M 20.40M 7.60M
Short long term debt 1598.82M 222.88M 113.59M - -
Short long term debt total 5211.25M 886.53M 1167.67M 605.92M 164.88M
Other stockholder equity 5062.46M 5053.78M 4972.92M 4963.77M 4678.59M
Property plant equipment 49.79M 46.22M 69.75M 46.46M 20.54M
Total current assets 35435.14M 37194.12M 36733.36M 4172.30M 7380.91M
Long term investments 16308.71M 11641.69M 9358.49M 10517.27M 8997.88M
Net tangible assets - - - 4311.22M 3966.82M
Short term investments 1140.67M 9512.20M 8652.55M 9947.14M 8163.43M
Net receivables 19268.59M 13891.51M 14531.87M 9000.71M 4852.39M
Long term debt 269.81M 328.87M 1022.75M 585.57M 157.25M
Inventory - - -269.71M - -
Accounts payable 13633.95M 9333.54M 9755.28M 7054.78M 4882.16M
Accumulated other comprehensive income -184.30M -828.17M 156.43M -137.65M -109.23M
Non currrent assets other 13560.95M 2985.11M 482.97M -10517.20M -9492.63M
Non current assets total 39458.73M 12737.09M 6611.83M 626.10M 9492.63M
Capital lease obligations 29.20M 26.20M 36.94M 20.35M 7.62M
Long term debt total 1901.97M 1342.26M 1059.69M 567.59M 164.88M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 0.00M -330.63M -173.83M -127.15M -11.21M
Change to liabilities - - - 11.28M 4.85M
Total cashflows from investing activities -342.31M -330.63M -177.00M -127.15M -154.19M
Net borrowings 2284.01M 722.20M 416.07M 405.52M -14.96M
Total cash from financing activities 2290.23M 727.74M 425.21M 654.04M 3335.98M
Change to operating activities - - - -1861.99M -3724.83M
Net income 2868.89M 1972.11M 1030.53M -364.63M -165.33M
Change in cash 5817.90M 3262.30M 1751.12M 1466.64M 361.89M
Begin period cash flow 9185.74M 5923.44M 4172.32M 2705.68M 2343.78M
End period cash flow 15003.64M 9185.74M 5923.44M 4172.32M 2705.68M
Total cash from operating activities 3500.46M 2399.04M 1266.19M 755.57M -2924.32M
Issuance of capital stock - 0.00M 0.00M 248.00M 3390.85M
Depreciation 97.97M 77.13M 62.90M 35.58M 17.34M
Other cashflows from investing activities 4812.90M -169.57M -156.76M -12.85M -125.70M
Dividends paid - - - - 928.60M
Change to inventory - - -2818.59M - -2089.11M
Change to account receivables -12039.58M -5487.87M -9014.80M -5213.67M -2568.42M
Sale purchase of stock 6.22M 5.55M 9.15M 252.50M -4.61M
Other cashflows from financing activities -6.71M 5.55M 9.15M 581.66M 1809.66M
Change to netincome - - - 2935.29M 943.32M
Capital expenditures 7.21M 174.99M 177.00M 114.31M 28.50M
Change in working capital -6070.31M -7391.28M -4705.36M -1850.72M -3719.98M
Stock based compensation 271.85M 272.38M 212.55M 253.20M 157.32M
Other non cash items 6759.32M 8182.14M 5341.26M 3099.75M 1010.99M
Free cash flow 3493.25M 2224.05M 1089.19M 641.27M -2952.82M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
NU
Nu Holdings Ltd		 0.29
2.46%		 12.03 19.71 15.67 8.12 5.25 5.20
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

Nu Holdings Ltd

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is based in Sao Paulo, Brazil.

Rua Capote Valente, 39, Sao Paulo, SP, Brazil, 05409-000

https://nubank.com.br

Name Title Year Born
Mr. David Velez-Osomo Founder, Chairman & CEO NA
Mr. Youssef Lahrech COO & Pres 1975
Ms. Cristina Helena Zingaretti Junqueira Co-Founder & Chief Growth Officer 1982
Mr. Guilherme Marques do Lago Chief Financial Officer 1979
Mr. Matthew Swann Chief Technology Officer 1972
Mr. Guilherme Rocha Vieira Sr. Mang.-Investor Relations NA
Marco Araujo Chief Legal Officer NA
Mr. Vitor Guarino Olivier Chief People Officer 1990
Mr. Jagpreet Singh Duggal Chief Product Officer 1974
Mr. Henrique Camossa Saldanha Fragelli Chief Risk Officer 1977

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

ITH
CAD 2.15
+27.68%
HG
CAD 4.11
+19.13%
PPTA
CAD 27.74
+17.99%
UCU
CAD 2.10
+17.32%
GAU
CAD 3.49
+16.72%
TSU
CAD 29.67
-29.71%
PXT
CAD 19.73
-16.91%
LAS-A
CAD 230.50
-9.25%
IFP
CAD 13.50
-8.35%
NFI
CAD 24.01
-7.80%

Equity Sectors*

  • Basic Materials

    +3.74%

  • Communication Services

    +0.56%

  • Consumer Cyclical

    -0.34%

  • Consumer Defensive

    +0.11%

  • Energy

    +1.33%

  • Financial Services

    -0.26%

  • Healthcare

    +2.54%

  • Industrials

    -0.11%

  • Real Estate

    -0.23%

  • Technology

    +1.91%

  • Utilities

    +1.05%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…