Nu Holdings Ltd. (NU) Quality Score
Growth remains strong (avg 100/100), but valuation is pulling the composite down (avg 65/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
6.3x book, stretched premium
Above 10% CAGR, strong compounder
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Diluting 2–5%, watch for SBC
Above 15%, strong return on equity
15.1% equity/assets, well-capitalized
Net margin expanded 3+pp, strong improvement
Nu Holdings (NU) quality: score, margins and returns
Nu Holdings (NU) scores 83/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Nu Holdings (NU) 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 rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Nu Holdings's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from NU's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Nu Holdings scores well and where it falls behind.
How profitable is Nu Holdings?+
Nu Holdings runs a net margin of about 27.4%. Revenue has grown at roughly 74.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. 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.