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Nu Holdings Ltd. Class A(NU US)

$15.16+0.432.92%Ext:$15.01-0.150.97%(Market Closed · 00:00:02 UTC)

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

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NU US​

Nu Holdings Ltd. Class A — Company Profile

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 headquartered in São Paulo, Brazil.

Sector
Financial Services
Industry
Banks - Regional
Exchange
UN
CEO
David Velez Osorno
Headquarters
São Paulo, D5, BR
IPO Date
Dec 9, 2021
Employees
8,037
Website
nubank.com.br

Key Metrics

Price
$13.43
Market Cap
$65.04B
Revenue (TTM)
$4.98B
Net Income (TTM)
$872.06M
EPS (TTM)
0.18
P/E (TTM)
20.43
P/B (TTM)
5.17
Dividend Yield
0.00%
ROE (TTM)
6.93%
ROA (TTM)
1.13%
Operating Margin
19.15%
Beta
0.96

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

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 headquartered in São Paulo, Brazil.

Website
nubank.com.br
Location
São Paulo, D5, BR
Phone1 345 949 2648
Employees8,037
CEODavid Velez Osorno
SectorFinancial Services
IndustryBanks - Regional
IPO DateDec 9, 2021

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Latest Documents

SEC Filings(378)

Expand
  • 6-KCurrent report (foreign private issuer)23 Oct
  • 4Statement of changes in beneficial ownership16 Oct
  • 4Statement of changes in beneficial ownership7 Oct
  • 144Junqueira Cristina Helena Zingaretti5 Oct
  • 6-KCurrent report (foreign private issuer)30 Sep
  • 4Statement of changes in beneficial ownership30 Sep
  • 3Initial statement of beneficial ownership30 Sep
  • 6-KCurrent report (foreign private issuer)10 Sep
  • 6-KCurrent report (foreign private issuer)2 Sep
  • 4Statement of changes in beneficial ownership26 Aug
  • 4Statement of changes in beneficial ownership26 Aug
  • 4Statement of changes in beneficial ownership26 Aug
  • 4Statement of changes in beneficial ownership26 Aug
  • 4Statement of changes in beneficial ownership26 Aug
  • 144Junqueira Cristina Helena Zingaretti25 Aug
  • 144Junqueira Cristina Helena Zingaretti24 Aug
  • 4Statement of changes in beneficial ownership18 Aug
  • 4Statement of changes in beneficial ownership18 Aug
  • 144Junqueira Cristina Helena Zingaretti17 Aug
  • 144Junqueira Cristina Helena Zingaretti17 Aug

News

  • Notice to Market: Nu Holdings Ltd.23 Oct
  • Undercovered Dozen: Western Digital, Penguin Solutions, Millrose Properties And More22 Oct
  • What's Going On With Nu Holdings Stock Wednesday?21 Oct
  • A Look at Nu Holdings Ltd (NU) After 4.0% Gain -- GF Value $33.06 vs Price $15.0920 Oct
  • First Citizens Bank & Trust Co. Buys 61,974 Shares of Nu Holdings Ltd. $NU17 Oct
  • Prediction: Here's What $1,000 Invested in Nu Holdings Today Could Be Worth by 203015 Oct
  • Nu Holdings Ltd. (NU) is Attracting Investor Attention: Here is What You Should Know15 Oct
  • Nu Holdings: Buy Regardless Of The Brazilian Election Results14 Oct
  • Nu Holdings: Nubank's Global Expansion Is Just Starting14 Oct
  • Nu Holdings stock loses momentum after hitting a resistance: is it a buy?13 Oct
  • Nu Holdings Ltd. $NU Stake Decreased by Perpetual Ltd13 Oct
  • The 3 Most Important Metrics to Watch for Nu Holdings. And No, It's Not Customer Numbers.12 Oct
  • Nu Holdings Crossed a $1 Billion Quarterly Profit Milestone. Here's Why It Matters.12 Oct
  • Nu Holdings Ltd. (NU) Dips More Than Broader Market: What You Should Know8 Oct
  • NU Stock Rallies 23% in October: Is There Still Room for More Gains?8 Oct
  • Nasdaq, S&P 500 Score New Highs as Tech Takes Flight6 Oct
  • Nu (NU) Surges 13.0%: Is This an Indication of Further Gains?6 Oct
  • Why Nu Holdings Stock Rallied Today5 Oct
  • What's driving NU stock higher today and what comes next?5 Oct
  • Nu Holdings shares jump after Bolsonaro election upset5 Oct

Mentions in Filings

  • … ions –Risk Management –Human Capital –Government, Public Service –Public Company Audit Committee –Public Company Compensation Committee –Public Company Nominating/Governance Committee | | Other Public Company Boards –<strong>Nu Holdings Ltd.</strong> | Former Public Company Boards (During Past 5 Years) –Endeavor Group Holdings, Inc. (2021-2025) –Pershing Square Tontine Holdings, Ltd (2020-2022) –TaskUS, Inc. (2019-2025) | | Ms. Reses has served as the Chief Execu …
    Affirm Holdings, Inc.Nu Holdings Ltd. Class A·DEF 14A - Definitive proxy statement·Q4 26·23 Oct
  • … | ​ | ​ | BACKGROUND Mr. Nuñez is Founder and Chief Executive Officer of AIE Creative, a branding and marketing firm which he founded in 2018. From June 2021 until October 2022, he was the Chief Marketing Officer of <strong>Nu Holdings Ltd.</strong> (“Nubank”), a digital banking platform headquartered in Brazil that serves customers across Brazil, Mexico, and Colombia. From 2018 to 2021, he worked at AIE Creative, and from 2014 to 2018, he was the Head of Market …
    ESTEE LAUDER COMPANIES INCNu Holdings Ltd. Class A·DEF 14A - Definitive proxy statement·Q2 27·30 Sep
  • … c. | ​ | 2.76 | ​ | ​ | 567.65 | ​ | ​ | 7,379 | | 36 | ​ | MS | Morgan Stanley | ​ | 2.77 | ​ | ​ | 206.12 | ​ | ​ | 7,420 | | 79 | ​ | NDAQ | Nasdaq, Inc. | ​ | 2.80 | ​ | ​ | 94.69 | ​ | ​ | 7,481 | | 531 | ​ | NU | <strong>NU Holdings</strong> Limited (3) (4) | ​ | 2.79 | ​ | ​ | 14.06 | ​ | ​ | 7,466 | | 35 | ​ | PGR | The Progressive Corporation | ​ | 2.78 | ​ | ​ | 212.24 | ​ | ​ | 7,428 | | 60 | ​ | HOOD | Robinhood Markets, Inc. (4) | ​ | 2.77 | ​ | ​ | …
    Advisors Disciplined Trust 2359Nu Holdings Ltd. Class A·487 - Registration statement (unit investment trusts)·Q3 26·22 Sep
  • … 7,679.65 | 32,254,538 | 8,343.53 | 35,042,817 | 2.76 | | America | stock | INTERCONTINENTAL EXCHANGE IN | Financial services | 1,289 | 21,517.19 | 27,735,662 | 25,115.71 | 32,374,155 | 2.55 | | Cayman Islands | stock | <strong>NU HOLDINGS</strong> LTD/CAYMAN ISL-A | bank | 13,632 | 2,042.75 | 27,846,784 | 2,328.83 | 31,746,648 | 2.50 | | America | stock | INTUIT INC | Software Services | 577 | 42,912.24 | 24,760,362 | 50,707.16 | 29,258,031 | 2.30 | | America | s …
    三井住友DSアセットマネジメント株式会社Nu Holdings Ltd. Class A·Prospectus - Securities registration statement·17 Sep·16 Sep
  • … 817.00 | | | | NAVAN INC-CL A | 381 | 21.910 | 8,347.71 | | | | SHARPLINK INC | 619 | 5.290 | 3,274.51 | | | | AXOS FINANCIAL INC | 171 | 88.070 | 15,059.97 | | | | INTER & CO INC - CLA | 870 | 5.440 | 4,732.80 | | | | <strong>NU HOLDINGS</strong> LTD/CAYMAN ISL-A | 13,632 | 12.710 | 173,262.72 | | | | BGC GROUP INC-A | 1,312 | 12.050 | 15,809.60 | | | | BITGO HOLDINGS INC-CL A | 236 | 5.970 | 1,408.92 | | | | BLOCK INC | 1,884 | 74.780 | 140,885.52 | | | | CHIME …
    三井住友DSアセットマネジメント株式会社Nu Holdings Ltd. Class A·Annual Report - Annual Securities Report (2025.06.21-2026.06.22)·17 Sep·16 Sep
  • … otels, Restaurants, and Leisure | 3,215,831,099 | 2,708,985,569 | - | | | | | 7 | ICICI BANK LTD ADR | stock | 540,877 | 4,873.56 | 4,767.77 | - | 4.05 | | India | bank | 2,636,001,667 | 2,578,777,350 | - | | | | | 8 | <strong>NU HOLDINGS</strong> LTD/CAYMAN ISLANDS | stock | 1,147,159 | 2,708.11 | 2,132.18 | - | 3.84 | | Cayman Islands | bank | 3,106,635,918 | 2,445,950,279 | - | | | | | 9 | BAIDU INC - SPON ADR | stock | 129,523 | 21,427.74 | 18,216.91 | - | 3. …
    アセットマネジメントOne株式会社Nu Holdings Ltd. Class A·Prospectus - Securities registration statement·15 Sep·14 Sep

Key Stats

Trading

Px/Chg 1D$13.43 / +1.05%
Avg Volume55.24M
Beta0.96
Mkt Cap65.04B
FD Mkt Cap69.26B

Float

Shrs Out/Float4.84B / 3.63B
Short Float0.04%
Days to Cover2.94
Stock Repurchased$0.00

Current Valuation

EV48.84B
EV/EBITDA11.79
EV/Sales2.78
P/B5.17
P/S3.71
FCF Yield-1.98%
ROE6.93%
ROA1.13%
Current Ratio0.83

Estimates

P/E20.43
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgJun '23Jun '24May '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings26.96-99.9359.2731.4769.4374.59
Price / Sales9.578.067.965.5913.1713.05
Price / Book Value7.157.459.538.125.495.17
Price / Free Cash Flow29.3156.8256.0827.9056.22-50.45
ENTERPRISE VALUE METRICS
Enterprise Value45,914.730,346.048,880.549,307.552,196.648,843.0
Enterprise Value / Sales7.696.726.374.4411.109.80
Enterprise Value / EBITDA28.990.8630.5117.1747.0549.35
Enterprise Value / EBIT10.11-98.2431.7617.6448.2751.13

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue80%1,512.54,519.17,669.111,104.515,878.6
Gross Income80.9%664.61,566.33,347.05,100.67,121.3
EBITDA—-152.835,272.11,602.02,872.33,970.1
EBIT—-170.2-308.91,539.12,795.23,872.1
Net Income—-165.0-364.61,030.51,972.12,868.9
EPS (Diluted)—-0.04-0.080.210.400.58
BALANCE SHEET
Cash & ST Inv10.9%10,692.016,838.022,023.423,149.516,144.3
Total Assets39.4%19,858.729,934.943,345.249,931.274,893.9
Total Liabilities42.5%15,416.125,044.136,938.842,284.163,572.3
Total Shareholder Equity26.3%4,441.04,890.86,406.47,646.311,290.9
CASH FLOW
Net Operating Cash Flow—-2,924.3755.61,266.22,399.03,500.5
Cap Ex-29.1%-28.5-114.3-177.0-175.0-7.2
Free Cash Flow—-2,952.8641.31,089.22,224.13,493.2

Enterprise Value Bridge

Millions USD23 Oct '26
Price (As of 23 Oct '26)15.18
Basic Shares4,843.12
Market Cap73,494.3
Diluted Shares4,910.27
Fully Diluted Shares Outstanding4,910.27
Fully Diluted Market Cap74,513.3
+Consolidated Debt3,165.9
−In-the-Money Convertible Debt—
+Capital Leases49.4
+Operating Leases—
−Cash & Equivalents-19,369.1
−Short-term Investments-10,951.5
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest3.0
+Pension Liabilities—
Enterprise Value57,294.2

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