Nu Holdings Ltd.(NU) Stock Research - Grey Stern Research

Nu Holdings Ltd. (NU) Stock Analysis

$12.04 (3.17%)

NU Financial Performance


Use the table below to view Nu Holdings Ltd.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $11.67 -
52 Week Low $8.06 -
52 Week High $16.15 -
Market Cap $55.4 Billion 9/10
Gross Margin 100% 1/10
Profit Margin 36% 2/10
EBITDA margin 48% 1/10
Q3 - 2024 Revenue $1.5 Billion 10/10
Q3 - 2024 Earnings $553.4 Million 9/10
Q3 - 2024 Free Cash Flow -$1.1 Million 4/10
Trailing 4 Quarters Revenue $8.7 Billion 10/10
Trailing 4 Quarters Earnings $1.8 Billion 10/10
Quarterly Earnings Growth 83% 2/10
Annual Earnings Growth 82% 1/10
Quarterly Revenue Growth 3% 8/10
Annual Revenue Growth 58% 5/10
Cash On Hand $7.6 Billion 4/10
Short Term Debt $699.4 Million 10/10
Long Term Debt $1.3 Billion 9/10

Nu Holdings Ltd. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Nu Holdings Ltd.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 31.13 1/10
PS 6.36 1/10
PB 7.25 1/10
PC 7.25 1/10
Liabilities to Equity 5.36 9/10
ROA 0.04 1/10
ROE 0.23 1/10
Current Ratio 1.19 1/10
Quick Ratio 0.21 1/10
Long Term Debt to Equity 0.17 9/10
Debt to Equity 0.26 9/10
Burn Rate -23.45 10/10
Cash to Cap 0.14 4/10
CCR -1.93 5/10
EV to EBITDA 67.01 5/10
EV to Revenue 5.71 3/10

Company Details

Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app 'buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

CEO:

Website: https://www.nubank.com.br

Address: Floor 4 Grand Cayman,

Exchange: New York Stock Exchange

Industry: Banks—Diversified

Nu Holdings Ltd. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Nu Holdings Ltd.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Bank of America Corporation BAC $359.2 Billion
Wells Fargo & Company WFC $246.8 Billion
Citigroup Inc. C $135.1 Billion
JPMorgan Chase & Co. JPM $689.3 Billion
Barclays PLC BCS $48.5 Billion
UBS Group AG UBS $103.7 Billion
Royal Bank of Canada RY $176.4 Billion
HSBC Holdings plc HSBC $170.9 Billion
The Toronto-Dominion Bank TD $98.3 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
NU Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 1.5 Billion $553.4 Million
Q2 2024 $ 2.5 Billion $487.3 Million
Q1 2024 $ 2.5 Billion $378.8 Million
Q4 2023 $ 2.2 Billion $360.9 Million
Q3 2023 $ 1.5 Billion $303.0 Million
Q2 2023 $ 1.3 Billion $224.9 Million
Q1 2023 $ 1.1 Billion $141.8 Million
Q4 2022 $ 969.2 Million -$297.6 Million

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NU Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $7.6 Billion $48.6 Billion $2.0 Billion $7.6 Billion
Q2 2024 $8.5 Billion $44.8 Billion $2.4 Billion $6.9 Billion
Q1 2024 $6.0 Billion $43.8 Billion $2.1 Billion $6.8 Billion
Q4 2023 $5.9 Billion $43.3 Billion $1.2 Billion $6.4 Billion
Q3 2023 $9.1 Billion $35.7 Billion $1.1 Billion $5.9 Billion
Q2 2023 $8.6 Billion $33.6 Billion $783.7 Million $5.6 Billion
Q1 2023 $6.9 Billion $29.5 Billion $670.5 Million $5.2 Billion
Q4 2022 $7.0 Billion $29.9 Billion $605.9 Million $4.9 Billion

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NU Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 -$1.1 Billion $0 -$884.6 Million
Q2 2024 $3.5 Billion -$16.8 Million $2.5 Billion
Q1 2024 $738.0 Million -$26.8 Million $110.2 Million
Q4 2023 $5.8 Billion -$30.9 Million $2.7 Billion
Q3 2023 -$3.3 Billion -$47.5 Million -$3.0 Billion
Q2 2023 $1.6 Billion -$52.1 Million $1.9 Billion
Q1 2023 $47.8 Million -$46.5 Million $138.2 Million
Q4 2022 $200.7 Million -$27.7 Million $479.5 Million

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