Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Nu Holdings Ltd. is a financial technology company that provides digital banking services for consumers, small businesses, and entrepreneurs. Its platform offers everyday banking tools such as personal and business accounts, credit and debit cards, mobile payments, loans, and savings products. Nu Holdings also serves customers through investment and insurance offerings, helping users manage payments, credit, protection, and wealth-related needs within a single digital ecosystem. The company focuses on markets across Latin America, particularly Brazil, Mexico, and Colombia, where it plays a significant role in expanding access to modern financial services. Nu Holdings Ltd. is recognized for its mobile-first approach and broad retail banking suite, making it an important participant in the region’s digital finance landscape.
$12.46
+$0.00 (+0.00%)
EOD Jun 25, 2026 · Twelve Data
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 19x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
19.2x 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.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$11.91B
▲ +28.5% YoY
Net Income (TTM)
$3.19B
▲ +45.6% YoY
Net Margin
26.74%
P/E
19.2x
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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At a P/E of 19.2 and a price-to-free-cash-flow of 70.5, Nu Holdings (NU) trades above a two-stage DCF intrinsic value of about $10.67 per share, so at $12.46 the stock looks overvalued (14.4% above estimated intrinsic value). 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 SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $10.67 per share for NU, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $8.00. At today's $12.46, that puts the stock about 14.4% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
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 SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. NU currently trades above its estimated intrinsic value 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 SEC filings, not investment advice.