Stock Scorecard
Stock Summary for Nu Holdings Ltd Class A (NU) - $17.94 as of 1/5/2026 8:36:45 PM EST
Total Score
12 out of 30
Safety Score
54 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for NU
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for NU
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for NU
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for NU
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for NU (54 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 3 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 3 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 5 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for NU
Financial Details for NU
Company Overview |
|
|---|---|
| Ticker | NU |
| Company Name | Nu Holdings Ltd Class A |
| Country | USA |
| Description | Nu Holdings Ltd. is an innovative fintech company based in Grand Cayman, Cayman Islands, that is reshaping the financial services industry across Latin America. By harnessing advanced technology, Nu provides a broad spectrum of financial products, including credit cards, digital banking services, and personal loans, aimed at enhancing accessibility for underserved consumers. The company's robust digital platform has established a significant market presence in Brazil and Mexico, catering to the needs of underbanked populations while emphasizing user experience and financial inclusion. As a leader in the rapidly evolving fintech landscape, Nu Holdings is strategically positioned for continued growth and expansion in the region. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 2/19/2026 |
Stock Price History |
|
| Last Day Price | 17.94 |
| Price 4 Years Ago | 4.07 |
| Last Day Price Updated | 1/5/2026 8:36:45 PM EST |
| Last Day Volume | 79,355,823 |
| Average Daily Volume | 37,627,280 |
| 52-Week High | 17.84 |
| 52-Week Low | 9.01 |
| Last Price to 52 Week Low | 99.11% |
Valuation Measures |
|
| Trailing PE | 32.19 |
| Industry PE | 15.39 |
| Sector PE | 25.11 |
| 5-Year Average PE | 11.42 |
| Free Cash Flow Ratio | 3.96 |
| Industry Free Cash Flow Ratio | 5.24 |
| Sector Free Cash Flow Ratio | 36.45 |
| Current Ratio Most Recent Quarter | 0.88 |
| Total Cash Per Share | 4.53 |
| Book Value Per Share Most Recent Quarter | 2.18 |
| Price to Book Ratio | 7.69 |
| Industry Price to Book Ratio | 1.15 |
| Sector Price to Book Ratio | 1.95 |
| Price to Sales Ratio Twelve Trailing Months | 12.75 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.34 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.33 |
| Analyst Buy Ratings | 10 |
| Analyst Strong Buy Ratings | 4 |
Share Statistics |
|
| Total Shares Outstanding | 3,822,975,000 |
| Market Capitalization | 68,584,171,500 |
| Institutional Ownership | 81.27% |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 40.90% |
| Annual Earnings Growth | 91.37% |
| Reported EPS 12 Trailing Months | 0.52 |
| Reported EPS Past Year | 0.40 |
| Reported EPS Prior Year | 0.43 |
| Net Income Twelve Trailing Months | 2,529,154,000 |
| Net Income Past Year | 1,972,112,000 |
| Net Income Prior Year | 1,030,530,000 |
| Quarterly Revenue Growth YOY | 36.30% |
| 5-Year Revenue Growth | 88.29% |
| Operating Margin Twelve Trailing Months | 58.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 17,319,220,000 |
| Total Cash Past Year | 13,637,271,000 |
| Total Cash Prior Year | 13,370,862,000 |
| Net Cash Position Most Recent Quarter | 16,094,744,000 |
| Net Cash Position Past Year | 13,308,398,000 |
| Long Term Debt Past Year | 328,873,000 |
| Long Term Debt Prior Year | 1,022,749,000 |
| Total Debt Most Recent Quarter | 1,224,476,000 |
| Equity to Debt Ratio Past Year | 0.96 |
| Equity to Debt Ratio Most Recent Quarter | 0.90 |
| Total Stockholder Equity Past Year | 7,646,289,000 |
| Total Stockholder Equity Prior Year | 6,406,385,000 |
| Total Stockholder Equity Most Recent Quarter | 10,551,991,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 3,687,409,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.96 |
| Free Cash Flow Past Year | 2,224,054,000 |
| Free Cash Flow Prior Year | 1,089,186,000 |
Options |
|
| Put/Call Ratio | 0.81 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.09 |
| MACD Signal | 0.10 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 1.08 |
| RSI | 0.00 |
| 50-Day SMA | 13.54 |
| 150-Day SMA | 10.99 |
| 200-Day SMA | 9.45 |
System |
|
| Modified | 1/3/2026 4:39:26 AM EST |