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Investlytic score: 3/5 criteria met.
- ✅ Price trend passed
- ⚠️ Mixed growth
- ✅ Debt passed
- ✅ P/E passed
- ❌ Correction failed
Price trend
Overall trend (8 years): the price has been multiplied by at least 1.5.
Price change 2021 → 2022: -56.61%
Price change 2022 → 2023: 104.67%
Price change 2023 → 2024: 24.37%
Price change 2024 → 2025: 61.58%
Price change 2025 → 2026: -14.40%
Price change 2026 (year to date): -15.80%
Financial growth
Revenue CAGR (8 years): 80.60%
Earnings CAGR (8 years): N/A
Growth status: positive trend (>1%/yr) in revenue, earnings data insufficient/N/A.
Debt
Debt-to-equity ratio: 0.46
Debt/equity < 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 17.44
P/E < 25.0 (maximum threshold).
Correction (6 months)
Current correction: 20.92% from the high over 6 months.
Excessive correction (> 20.0%).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="NU" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| Nu Holdings Ltd. | 19.7 | 0.46 | +80.6 % | 🔒 |
| Nasdaq, Inc. | 28.1 | 0.81 | +6.5 % | – |
| Société Générale S.A. | 7.8 | 2.38 | +2.3 % | – |
| MSCI Inc. | 34.5 | – | +10.9 % | – |
| Commerzbank AG | 13.3 | 4.22 | −5.1 % | – |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
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Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by Nu Holdings Ltd. over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 575 m | -171 m | -29.8 % | n/a |
| 2021 | 1.5 bn | -165 m | -10.9 % | +163.1 % |
| 2022 | 4.5 bn | -365 m | -8.1 % | +198.8 % |
| 2023 | 7.7 bn | 1.0 bn | 13.4 % | +69.7 % |
| 2024 | 11.1 bn | 2.0 bn | 17.8 % | +44.8 % |
| 2025 | 15.9 bn | 2.9 bn | 18.1 % | +43.0 % |
Amounts converted to USD. Source: published annual accounts, collected on 30/10/2026.
Accounts and financial health
Balance sheet and cash flow published by Nu Holdings Ltd. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 10.7 bn | 16.8 bn | 22.0 bn | 23.1 bn | 16.1 bn |
| Total Debt | 168 m | 803 m | 1.2 bn | 887 m | 5.2 bn |
| Net Debt | -2.4 bn | -6.1 bn | -12.2 bn | -12.8 bn | -9.8 bn |
| Equity | 4.4 bn | 4.9 bn | 6.4 bn | 7.6 bn | 11.3 bn |
| Total assets | 19.9 bn | 29.9 bn | 43.3 bn | 49.9 bn | 74.9 bn |
| Operating cash flow | -2.9 bn | 756 m | 1.3 bn | 2.4 bn | 3.5 bn |
| Investments (capex) | 6.0 m | 20.0 m | 20.2 m | 5.4 m | 341 m |
| Free cash-flow | -3.0 bn | 641 m | 1.1 bn | 2.2 bn | 3.5 bn |
| Share buybacks | 4.6 m | 0 | 0 | 0 | 0 |
| Dividends paid | 0 | 0 | 0 | 0 | 0 |
Amounts in USD, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 02/11/2026.
Valuation and competitors
Nu Holdings Ltd. compared with its sector on the same exchange and with its main competitors.
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 02/11/2026. Competitors: comparable companies named by the data provider.
Analyst consensus and forecasts
What the financial analysts covering Nu Holdings Ltd. publish: ratings, price targets and earnings forecasts.
Breakdown of ratings
Analysts' average target 17.36 USD, DCF value 14.09 USD, share price 11.61 USD.
Average target over the last 3 months: 18.95 USD (6 targets).
Analyst forecasts
| Fiscal year | Revenue | Net income | Expected EPS (range) | P/E on this EPS | Analysts |
|---|---|---|---|---|---|
| 2026 | 22.7 bn | 4.4 bn | 0.87 (0.83 / 0.96) | 13.3 | 13 |
| 2027 | 28.2 bn | 5.4 bn | 1.14 (1.09 / 1.27) | 10.2 | 13 |
| 2028 | 35.2 bn | 6.9 bn | 1.47 (1.20 / 1.82) | 7.9 | 12 |
Amounts in USD, the reporting currency.
Track record against expectations: reported EPS above consensus 8 times over the last 12 releases.
Rating changes (12 months)
| Date | Firm | Before | After |
|---|---|---|---|
| 20/10/2026 | UBS | Buy | Buy |
| 06/10/2026 | JP Morgan | Overweight | Overweight |
| 28/09/2026 | Needham | Buy | Buy |
| 16/09/2026 | Itau BBA | Outperform | Market Perform |
| 11/09/2026 | Needham | Buy | Buy |
Source: ratings and forecasts published by analysts, collected on 01/11/2026. An analyst rating or target is not a guarantee.
Dividends and earnings
Nu Holdings Ltd.: dividend history, last distributions, stock splits and earnings releases.
No known dividend for this company.
Earnings releases
Next release: 12/11/2026. Expected EPS: 0.23.
| Date | Published EPS | Expected EPS | Surprise |
|---|---|---|---|
| 13/08/2026 | 0.22 | 0.20 | +10.9 % |
| 14/05/2026 | 0.19 | 0.20 | -4.2 % |
| 25/02/2026 | 0.19 | 0.20 | -4.9 % |
| 13/11/2025 | 0.17 | 0.16 | +6.2 % |
| 14/08/2025 | 0.14 | 0.13 | +5.0 % |
| 13/05/2025 | 0.11 | 0.12 | -5.1 % |
Factual data: ex-dividend history and earnings calendar, as of 01/11/2026. A past dividend does not guarantee the next one.
Who owns the stock
Free float, institutional investors, large funds, executives and elected officials: declared positions in Nu Holdings Ltd.
Large funds tracked
| Fund | Shares | Value (USD) | Weight in the fund | Change | Quarter |
|---|---|---|---|---|---|
| BlackRock | 355 m | 4.7 bn | 0.1 % | +4.4 % | 2026Q2 |
| Baillie Gifford | 230 m | 3.1 bn | 2.8 % | -6.7 % | 2026Q2 |
| State Street | 194 m | 2.6 bn | 0.0 % | +108.1 % | 2026Q2 |
| Capital Research Global Investors | 143 m | 1.9 bn | 0.3 % | +11.1 % | 2026Q2 |
| Morgan Stanley | 118 m | 1.6 bn | 0.1 % | -16.7 % | 2026Q2 |
| JPMorgan Chase | 100.0 m | 1.3 bn | 0.1 % | +9.4 % | 2026Q2 |
| Fidelity | 75.6 m | 1.0 bn | 0.0 % | +3.3 % | 2026Q2 |
| Citadel Advisors | 67.9 m | 907 m | 0.1 % | +137.7 % | 2026Q2 |
Latest insider transactions
| Date | Person | Side | Amount |
|---|---|---|---|
| 05/10/2026 | Junqueira Cristina Helena Zingaretti | sale | 375,362 USD |
| 25/08/2026 | Junqueira Cristina Helena Zingaretti | sale | 956,456 USD |
| 24/08/2026 | Junqueira Cristina Helena Zingaretti | sale | 375,000 USD |
| 14/08/2026 | Fragelli Henrique Camossa Saldanha | sale | 3.5 m USD |
| 14/08/2026 | Junqueira Cristina Helena Zingaretti | sale | 790,000 USD |
Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 02/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.
PEA and practical information
Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.
Frequently asked questions about Nu Holdings Ltd.
What is the Nu Holdings Ltd. share price?
Latest recorded price: 11.61 USD on 30/10/2026, for a market cap of 56.1 bn USD.
What is the revenue of Nu Holdings Ltd.?
15.9 bn USD for fiscal year 2025, with net income of 2.9 bn USD (net margin 18.1 %).
When does Nu Holdings Ltd. report its next earnings?
The next release is expected on 12/11/2026. EPS expected by analysts: 0.23.
What do analysts say about Nu Holdings Ltd.?
Out of 23 analysts: 13 buy or strong buy, 9 hold, 1 sell or strong sell. Average price target: 17.36 USD, i.e. +49.5 % from the share price.
What is the P/E ratio of Nu Holdings Ltd.?
Trailing 12-month P/E of 15.1, against 17.8 for the sector median on the same exchange (10-year median: 18.3).
Is Nu Holdings Ltd. stock eligible for the French PEA?
No: the company is headquartered outside the European Union and the European Economic Area (ISIN KYG6683N1034).
How many employees does Nu Holdings Ltd. have?
5,403 full-time employees according to the latest published profile.
Who runs Nu Holdings Ltd.?
David Velez-Osomo is the company's chief executive.
Which large funds own Nu Holdings Ltd.?
As of 2026Q2, among the large funds tracked: BlackRock, Baillie Gifford, State Street, Capital Research Global Investors, Morgan Stanley.