Nu Holdings Ltd

Nu Holdings Ltd

NU · NYSE · Financial Services / Banks - Regional

13.22USD+1.39 (+11.75%)

Price History

Full chart

Market Stats

Previous Close11.83
Open12.36
Day Range12.10 – 13.25
52-Week Range11.20 – 18.98
Volume152.18M
Market Cap58.35B
P/E (TTM)16.55
Forward P/E11.14
EPS0.73
Dividend Yield0.00%
Beta0.97
50-Day Avg13.97
200-Day Avg14.30

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. David Velez-Osomo
  • Employees0
  • HeadquartersRua Capote Valente, 39, Sao Paulo, SP, Brazil, 05409-000, USA
  • Websitehttps://nubank.com.br

Leadership

  • Mr. David Velez-OsomoFounder, Chairman & CEO
  • Mr. Roberto de Oliveira Campos NetoExecutive Vice-Chairman and Global Head of Public Policy · b. 1969
  • Mr. Rob LivingstonChief Financial Officer
  • Mr. Eric Cristhopher YoungChief Technology Officer · b. 1977
  • Mr. Guilherme SoutoInvestor Relations Officer & Director of Market Intelligence
  • Ms. Sarah K. WilsonChief Legal Officer
  • Ms. Suzana KubricChief of Human Resources Officer · b. 1980
  • Ms. Cristina Helena Zingaretti JunqueiraChief Growth Officer & CEO of US · b. 1983
  • Mr. Henrique Camossa Saldanha FragelliChief Risk Officer · b. 1978
  • Ms. Livia Martines ChanesChief Executive Officer of Latin America · b. 1983

Financials

Income Statement

Currency: USD2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue253.39M469.23M737.13M1.70B4.79B7.67B11.10B15.88B
Growth (%)-+85.18%+57.09%+130.36%+182.22%+60.03%+44.79%+42.99%
Cost of Revenue164.04M284.88M240.74M484.46M1.72B4.32B6.00B8.76B
Gross Profit89.34M184.35M496.39M1.21B3.07B3.35B5.10B7.12B
Gross Margin35.26%39.29%67.34%71.47%64.00%43.64%45.93%44.85%
Operating Expense122.75M313.65M588.42M1.38B3.38B1.81B2.31B3.25B
Operating Income-33.40M-129.30M-92.03M-170.17M-308.90M1.54B2.80B3.87B
Operating Margin-13.18%-27.56%-12.48%-10.02%-6.45%20.07%25.17%24.36%
EBITDA-32.33M-124.23M29.33M214.86M1.27B1.60B2.87B3.97B
EBITDA Margin-12.76%-26.47%3.98%12.65%26.60%20.89%25.87%25.00%
Net Income-28.58M-92.53M-171.49M-165.33M-364.63M1.03B1.97B2.87B
Net Income Margin-11.28%-19.72%-23.26%-9.74%-7.61%13.44%17.76%18.07%
Interest Expense45.42M109.70M215.08M367.34M1.55B2.04B2.83B4.58B
Interest Expense % of Total Revenue17.92%23.38%29.18%21.63%32.30%26.56%25.53%28.84%

Balance Sheet

Currency: USD2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.79B6.76B10.15B19.86B29.93B43.35B49.93B74.89B
Total Liabilities2.49B6.15B9.72B15.42B25.04B36.94B42.28B63.57B
Total Equity296.73M612.25M438.11M4.44B4.89B6.41B7.65B11.29B
Cash464.50M1.41B2.48B2.53B6.89B13.37B13.64B15.00B
Total Debt744.10M423.52M654.25M172.47M803.16M1.17B886.53M5.21B
Net Debt-349.08M-1.09B-2.29B-2.36B-6.09B-12.20B-12.75B-9.79B

Cash Flow

Currency: USD2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-5.45M276.14M974.52M-2.92B755.57M1.27B2.40B3.50B
Investing Cash Flow-6.38M-4.68M-16.27M-154.19M-127.15M-177.00M-330.63M-342.31M
Financing Cash Flow253.41M611.19M240.10M3.34B654.04M425.21M727.74M2.29B
Capital Expenditure6.38M4.68M7.99M28.50M114.31M177.00M174.99M7.21M
Free Cash Flow-11.83M271.46M966.53M-2.95B641.27M1.09B2.22B3.49B
Dividends Paid--6.78M928.60M----
FCF to OCF217.15%98.31%99.18%100.97%84.87%86.02%92.71%99.79%
Dividend Paid to FCF--0.70%-31.45%----

Earnings

Report DateMar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Aug 2, 2021Dec 9, 2021Feb 22, 2022May 16, 2022Aug 15, 2022Nov 14, 2022Feb 14, 2023May 15, 2023Aug 15, 2023Nov 14, 2023Feb 22, 2024May 14, 2024Aug 13, 2024Nov 13, 2024Feb 20, 2025May 13, 2025Aug 14, 2025Nov 13, 2025Feb 25, 2026May 14, 2026Aug 13, 2026Nov 12, 2026
EPS Estimate0.000.000.000.000.000.000.000.00-0.03-0.03-0.010.01-0.050.010.030.050.080.070.090.100.110.120.130.170.180.190.200.22
EPS Actual-0.030.00-0.02-0.08-0.04-0.01-0.01-0.01-0.03-0.01-0.010.01-0.060.030.050.060.070.080.100.110.110.110.130.170.180.180.22-
Surprise--------0.00%66.67%0.00%0.00%-20.00%200.00%66.67%20.00%-12.50%14.29%11.11%10.00%0.00%-8.33%0.00%0.00%0.00%-5.26%10.00%-
Timing-------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap58.35B
Enterprise Value49.08B
Trailing P/E16.55
Forward P/E11.14
PEG Ratio0.41
Price / Sales6.91
Price / Book4.51
EPS0.73
Book Value2.74
Revenue (TTM)8.44B
Gross Profit (TTM)8.44B
Profit Margin42.73%
Operating Margin50.15%
Return on Equity31.63%
Return on Assets4.96%
Shares Outstanding3.81B
Shares Float3.73B
Beta0.97
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 23 analystsTarget 18.56
  • Strong Buy
    14
  • Buy
    5
  • Hold
    3
  • Sell
    1

Ownership Breakdown

Institutions
83.89%
Insiders
2.09%
Retail / Other
14.02%

Top Institutional Holders

  • BlackRock Inc
    355.01M7.35%
  • Baillie Gifford & Co Limited.
    229.93M4.76%
  • Capital Research Global Investors
    142.76M2.96%
  • Morgan Stanley - Brokerage Accounts
    117.97M2.44%
  • JPMorgan Chase & Co
    99.96M2.07%
  • State Street Corp
    96.81M2.00%
  • FMR Inc
    75.61M1.57%
  • WCM Investment Management
    74.45M1.54%
  • Lone Pine Capital LLC
    47.22M0.98%
  • NORGES BANK
    46.29M0.96%
  • D1 Capital Partners L.P.
    44.42M0.92%
  • Technology Crossover Management X, Ltd.
    42.57M0.88%
  • Bank of America Corp
    40.30M0.83%
  • Kontiki Capital Management (HK) Ltd.
    39.03M0.81%
  • Ribbit Management Company, LLC
    38.99M0.81%

Top Fund Holders

  • iShares MSCI Brazil ETF
    70.34M1.46%
  • Vanguard International Growth Inv
    42.95M0.89%
  • iShares Core MSCI Emerging Markets ETF
    41.50M0.86%
  • American Funds Growth Fd of Amer A
    40.50M0.84%
  • American Funds New World A
    37.04M0.77%