Nu Holdings Ltd. (NU) AI Stock Analysis

Nu Holdings Ltd. operates a digital financial services platform across Brazil, Mexico, and Colombia. Headquartered in Sao Paulo, Brazil, the company offers Nu credit and debit cards, including Ultraviolet cards, and mobile payments through NuAccount for transfers and bill payments. It provides savings accounts via Nu Personal Accounts and banking services tailored for entrepreneurs through Nu business accounts. Additionally, NuInvest offers investment options including equity, fixed-income, ETF products, and multimarket funds, while the company explores cryptocurrency initiatives to further expand its service offerings.

Nu Holdings expanded revenue from $1.70B in FY2021 to $15.88B in FY2025, achieving a 5-year revenue CAGR of 84.8%. After reporting net income of -$165.3M in FY2021 and -$364.6M in FY2022, net income reached $1.03B in FY2023, $1.97B in FY2024, and $2.87B in FY2025. Annual net margin rose to 18.1% in FY2025, alongside an operating margin of 24.4%. For the trailing twelve months, revenue reached $8.44B with a profit margin of 42.7% and an operating margin of 50.1%. In the latest quarter ended June 30, 2026, quarterly revenue grew 52.1% year-over-year and quarterly earnings grew 66.3% year-over-year.

As of June 30, 2026, Nu Holdings held $33.27B in cash and short-term investments against total debt of $42.02B, resulting in net debt of $8.75B. Total assets stood at $82.75B and shareholders' equity was $13.25B, yielding a debt-to-equity ratio of 3.17 and a current ratio of 0.25. In FY2025, operating cash flow reached $3.50B and free cash flow was $3.49B. Capital expenditures were $7.2M, while share issuance totaled $6.2M.

At a share price of $14.56, Nu Holdings has a market capitalization of $70.33B and an enterprise value of $61.06B. The stock trades at a trailing P/E of 19.9x and a forward P/E of 14.8x, compared to 12.1x and 10.8x for the median of its US-listed Financial Services peers. Nu trades at a price-to-sales multiple of 8.3x, above the peer median of 3.2x, with a PEG ratio of 0.63. Over the past year, NU shares declined 1.2%, underperforming the 16.8% return for the S&P 500 (SPY).

Wall Street sentiment shows 13 Strong Buy, 4 Buy, 4 Hold, and 1 Sell ratings, with 0 Strong Sell ratings. The mean price target of $18.77 sits 28.9% above the last close of $14.56. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $0.85 on revenue of $22.80B. For the next fiscal year, 16 analysts project EPS of $1.11 and revenue of $28.25B. Nu has beaten EPS estimates in 1 of the last 4 quarters, with next earnings scheduled for November 12, 2026.

This page is an AI-written research summary of Nu Holdings Ltd. (NU). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: NU income statement, NU balance sheet, NU key metrics, NU analyst forecast, NU chart. See the NU stock overview for the latest quote and news.