Full history for every metric is available with a Kvantra account
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $bn | 0.4 | 1.1 | 3.0 | 5.6 | 8.3 | 11.3 | 13.9 | - |
| Operating profit | $bn | 3.87 | 4.38 | ||||||
| Net profit | $bn | -0.17 | -0.16 | -0.36 | 1.03 | 1.97 | 2.87 | 3.61 | 4.34 |
| EPS reported | $ | 0.58 | 0.74 | ||||||
| Operating cashflow per share | $ | 0.72 | -0.88 | ||||||
| Capex per share | $ | 0.00 | 0.01 | ||||||
| FCF per share | $ | 0.72 | -0.87 | ||||||
| Free cash flow | $bn | 3.49 | -2.82 | ||||||
| Net debt | $bn | -11.0 | 8.7 | ||||||
| Book value equity | $bn | 11.3 | 13.2 | ||||||
| Book value per share | $ | 2.30 | 2.70 | ||||||
| Number of shares | m | 4,907.35 | 4,904.84 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 28.86 | 16.65 | ||||||
| P/B LTM | x | 7.17 | 4.49 | ||||||
| P/S LTM | x | 7.16 | 4.28 | ||||||
| P/FCF LTM | x | 23.16 | -21.09 | ||||||
| EV/EBITDA LTM | x | 17.91 | 15.07 | ||||||
| EV/Sales LTM | x | 4.48 | 4.91 | ||||||
| Earnings Yield LTM | % | 3.47% | 6.01% | ||||||
| FCF Yield | % | 4.32% | -4.74% | ||||||
| Quality | |||||||||
| ROE | % | 25.41% | 30.26% | ||||||
| ROIC | % | 16.31% | 4.36% | ||||||
| Operating margin | % | 24.36% | 22.62% | ||||||
| Gross margin | % | 44.85% | 44.03% | ||||||
| FCF/Sales | % | 22.00% | -21.76% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +45.00% | +60.87% | ||||||
| Sales Growth YoY | % | +36.64% | +50.93% | ||||||
| Net Income Growth YoY | % | +45.47% | +56.83% | ||||||
| FCF Growth | % | +57.07% | - | ||||||
| Operating Profit Growth | % | +38.40% | +38.50% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.67 | -0.07 | ||||||
| Net Debt/EBITDA | x | -2.47 | 4.96 | ||||||
| EBIT/Net interest | x | 0.84 | 0.80 | ||||||
| Net debt/market cap | % | -13.55% | 14.59% | ||||||
| Net debt/Equity | x | -0.97 | 0.66 | ||||||
| Gross debt/equity | x | 0.46 | 3.17 | ||||||
ETFs that hold Nu Holdings
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares MSCI Brazil ETF | EWZ | 2 | 8.89% |
| iShares MSCI Brazil UCITS ETF (DE) | 4BRZ.DE | 1 | 9.74% |
| iShares Latin America 40 ETF | ILF | 1 | 7.62% |
| iShares MSCI EM Latin America UCITS ETF | DLTM.L | 3 | 4.94% |
| iShares MSCI Brazil UCITS ETF USD (Dist) | IDBZ.L | 1 | 9.78% |
| Xtrackers MSCI Brazil UCITS ETF 1C | XMBD.L | 1 | 9.86% |
| EMQQ The Emerging Markets Internet ETF | EMQQ | 6 | 5.55% |
| Fidelity Covington Trust - Fidelity Enhanced Emerging Markets ETF | FEMR | 10 | 1.13% |
| REX Crypto Equity Premium Income ETF | CEPI | 5 | 5.51% |
| EMQQ Emerging Markets Internet UCITS ETF – Acc | EMQQ.L | 2 | 6.86% |
Funds with Nu Holdings among their ten largest holdings, largest fund first.
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares MSCI Brazil ETF | EWZ | 2 | 8.89% |
| iShares MSCI Brazil UCITS ETF (DE) | 4BRZ.DE | 1 | 9.74% |
| iShares Latin America 40 ETF | ILF | 1 | 7.62% |
| iShares MSCI EM Latin America UCITS ETF | DLTM.L | 3 | 4.94% |
| iShares MSCI Brazil UCITS ETF USD (Dist) | IDBZ.L | 1 | 9.78% |
| Xtrackers MSCI Brazil UCITS ETF 1C | XMBD.L | 1 | 9.86% |
| EMQQ The Emerging Markets Internet ETF | EMQQ | 6 | 5.55% |
| Fidelity Covington Trust - Fidelity Enhanced Emerging Markets ETF | FEMR | 10 | 1.13% |
| REX Crypto Equity Premium Income ETF | CEPI | 5 | 5.51% |
| EMQQ Emerging Markets Internet UCITS ETF – Acc | EMQQ.L | 2 | 6.86% |
Funds with Nu Holdings among their ten largest holdings, largest fund first.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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