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NU HOLDINGS LTD/CAYMAN ISL-A

NUNYSE
πŸ† #231 by market capEarnings Nov 12US Equity
$11.97β–Ό $0.44 (βˆ’3.51%)
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24hβ–Ό 3.5%
7dβ–Ό 20.5%
14dβ–Ό 19.8%
30dβ–Ό 2.0%
ytdβ–Ό 28.6%
1yβ–Ό 24.9%
🏦Market Cap
$57.82B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
50.5%
High Growth
πŸ“ŠGross Margin
41.2%
Healthy
πŸ’΅FCF Margin
22.0%
Strong
βš–οΈP/S Ratio
3.1x
Fair
Otter Score
76
Strong

Trading Snapshot

Day Range
$11.96 – $12.44
52-Week Range
$11.20 – $18.98
Volume (shares)
4,976,150
Avg Volume (shares)
β€”
Shares Outstanding
4.83B
Next Earnings
2026-11-12

Fundamentals Snapshot

Annual Revenue
$15.88B
Last Q Revenue
$5.52B
P/E Ratio
16.9
P/S Ratio
3.1x
EPS (TTM)
$0.73
Dividend Yield
β€”
Dilution (1yr)
+2.1%
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NU HOLDINGS LTD/CAYMAN ISL-A

NU
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$15.9Bβ–² +43.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
44.8%β–Ό βˆ’2.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$3.9Bβ–² +38.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$3.5Bβ–² +57.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.91Bβ–² +2.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$9.8Bβ–Ό βˆ’$3.0B YoY
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About NU HOLDINGS LTD/CAYMAN ISL-A

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in SΓ£o Paulo, Brazil.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Buy
26 analysts
Strong Buy5
Buy17
Hold3
Sell1
Strong Sell0
Ratings as of Oct 2026

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