Nu Holdings Ltd.
Nu Holdings Ltd. Class A Ordinary Shares represents the equity of Nu Holdings Ltd., a Brazilian financial technology company focused on digital banking services. The company operates a mobile-first financial platform that serves consumers and businesses across Latin America and other markets, offering products such as digital accounts, payment solutions, credit and prepaid cards, personal loans, insurance, and investment services. Its ecosystem is built around simple, low-cost, app-based banking that helps customers manage everyday financial activities without relying on traditional branch networks. Nu Holdings also supports merchants and broader financial inclusion through technology-driven tools for transfers, bill payments, and other transactional services. Headquartered in São Paulo, Brazil, Nu Holdings plays a significant role in the region’s fintech landscape by combining software, data, and banking products into a widely used digital financial platform.
$14.57
-$0.17 (-1.12%)
EOD Oct 16, 2026
27.02% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 28.5% YoY.
At 20x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
19.8x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$13.17B
▲ +28.5% YoY
Net Income (TTM)
$3.61B
▲ +45.6% YoY
Net Margin
27.40%
P/E
19.8x
Balance Sheet
Total Assets
$74.89B
Equity
$11.32B
Total Debt
$1.90B
Cash & Equiv.
$32.79B
3Y CAGR: +52.9%
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Is Nu Holdings (NU) overvalued?
At a P/E of 19.8, Nu Holdings (NU)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Nu Holdings scores 83/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
Is Nu Holdings a high-quality business?+
Nu Holdings scores 83 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Nu Holdings a good stock to buy right now?+
That depends on valuation and quality together, not either alone. you should weigh NU's valuation and scores 83/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.