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Nu Holdings Ltd.

NU Financial Banks Regional

Nu Holdings Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $15.8 billion, up 37.0% from fiscal 2024.

Revenue
+50.3%
EPS
+69.2%
Free cash flow
−102.2%
Total debt
+105.8%

Quarter to June 2026, against a year earlier

11.82 0.17 −1.42%
Market cap
$56.7B
P/E
16.0×
Fwd P/E
13.6×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 13.31
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 6 2 — 1 — — 3 — 1 —
Insider Ownership 25.88%

Capital & Financial Ratios $m

Size
Market Cap 56,710.00
Revenue ttm 19,339.92
Net income ttm 3,610.00
Free cash flow ttm (1,669.97)
Net debt Q (8,869.36)
Valuation
P/E 15.97
Forward P/E 13.60
Price / sales 2.97
Forward P/S Powerpack
Price / FCF 0.00
Price / book 4.33
Financial health
Current ratio Q 0.55
Debt / equity Q 0.35
Interest coverage Q 0.00
Growth
Revenue growth Q +50.29% (above 0%: growing)
Operating income growth Q +40.59% (above 0%: growing)
EPS, this year +47.94% (at or above 15%: strong)
EPS, next year A +28.91% (at or above 15%: strong)
Revenue, next year A +44.55% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +34.75% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 0.48%
10-year low 10-year high
P/S against its own 10 years 0.32%
10-year low 10-year high
P/B against its own 10 years 11.44%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 5,923 9,186 15,004 13,552
Receivables — — — —
Inventory — — — —
Other — — — —
9,126 14,508 24,425 24,869
2023 2024 2025 Q'26
Payables 23,691 28,855 41,925 45,328
ST’ Debt — — — —
Other — — — —
23,858 29,035 42,162 45,550

Compound Annual Growth %

10y 5y 3y
Sales — 84.54% 48.76%
Cash Flow — 29.14% 66.71%
Earnings — 0.00% 0.00%
Book Value — 91.63% 32.28%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.20 Actual 0.22

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 0.15 0.17 Beat by 0.02
Dec 2025 0.18 0.19 Beat by 0.01
Mar 2026 0.20 0.19 Miss by 0.01
Jun 2026 0.20 0.22 Beat by 0.02
Sep 2026 0.22 — Reports 12 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.18 0.22 — — —
’25 0.11 0.13 0.16 0.18 0.58
’24 0.08 0.10 0.11 0.11 0.40
’23 0.03 0.05 0.06 0.07 0.21
’22 (0.01) (0.01) 0.00 (0.06) (0.08)
’21 — (0.01) (0.02) (0.01) (0.10)
’20 — — — — (0.13)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 4,968 5,513 — — —
’25 3,248 3,668 4,173 4,686 15,775
’24 2,736 2,849 2,943 2,989 11,517
’23 1,619 1,869 2,137 2,405 8,029
’22 877 1,158 1,307 1,451 4,792
’21 217 336 481 492 1,698
’20 — — 145 204 737
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (1,214) (28) — — —
’25 1,085 2,555 (971) 831 3,500
’24 (571) 2,668 (1,069) 1,370 2,399
’23 94 1,700 (3,234) 2,706 1,266
’22 78 464 (15) 228 756
’21 1,084 (273) (796) (1,855) (2,929)
’20 — — 1,263 975 975
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1,289) (53) — — —
’25 1,003 2,484 (1,096) 768 3,160
’24 (597) 2,655 (1,106) 1,272 2,224
’23 48 1,648 (3,282) 2,676 1,089
’22 64 426 (49) 201 641
’21 1,084 (279) (806) (1,858) (2,957)
’20 — — 1,263 971 967
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 300 554 737 1,698 4,792 8,029 11,517 15,775 19,340 +76.1% 22,803 28,265 35,377 +30.9%
Gross margin, % — — 70.33 64.98 84.54 78.37 67.70 74.63 75.39 70.97 71.67 +0.6 pt
EBT — — (33) (129) (193) (170) (309) 1,539 2,795 3,868 4,385 n/m
EBT margin, % — — (11.00) (23.29) (26.21) (10.02) (6.45) 19.17 24.27 24.52 22.67 +35.5 pt
Net income — — (29) (93) (171) (165) (365) 1,031 1,972 2,872 3,610 n/m
Per share, $
Per share, $ Revenue — — 1.64 2.92 0.56 1.06 1.02 1.69 2.40 3.26 3.98 +10.3%
Earnings — — (0.16) (0.49) (0.13) (0.10) (0.08) 0.22 0.41 0.59 0.74 n/m
Cash flow — — 3.30 10.68 0.74 (1.83) 0.16 0.27 0.50 0.72 (0.28) (19.5%)
Capex — — 0.00 0.00 (0.01) (0.02) (0.02) (0.04) (0.04) (0.07) (0.06) n/m
Free cash flow — — 3.30 10.68 0.73 (1.85) 0.14 0.23 0.46 0.65 (0.34) (20.6%)
Book value — — 1.62 3.22 0.33 2.77 1.05 1.35 1.60 2.34 2.73 +5.4%
Shares, m — — 183 190 1,316 1,602 4,677 4,739 4,792 4,833 4,846 +59.6%
Valuation, ×
Valuation, × P/E — — 0.00 0.00 0.00 0.00 0.00 36.95 24.67 28.37 15.97 11.2
P/S — — 11.88 11.88 11.88 28.33 3.47 4.80 4.31 5.13 2.97 10.2
P/B — — 7.73 7.73 7.73 9.73 3.40 6.01 6.49 7.15 4.33 7.0
EV/Sales — — 7.66 7.66 7.66 23.83 2.73 4.20 3.66 4.46 — 7.7
EV/FCF — — 9.58 9.58 9.58 (19.66) 20.37 30.98 18.97 22.25 — 12.7
Cash, $m
Cash, $m Operating cash flow — — 603 2,029 975 (2,929) 756 1,266 2,399 3,500 (1,382) +28.6%
Capex — — (6) (5) (8) (28) (114) (177) (175) (341) (288) +78.1%
Free cash flow — — 603 2,029 967 (2,957) 641 1,089 2,224 3,160 (1,670) +26.7%
Balance, $m
Balance, $m Working capital — — — — (3,092) (5,865) (10,053) (14,732) (14,528) (17,737) (20,681) +41.8%
Net debt — — (264) (1,187) (2,167) (2,548) (3,587) (4,787) (7,455) (10,605) (8,869) +69.5%
Shareholders’ equity — — 297 612 438 4,443 4,891 6,406 7,647 11,322 13,252 +68.2%
Returns, %
Returns, % ROA — — (0.61) (1.95) (2.03) (1.10) (1.46) 2.81 4.23 4.60 4.96 +5.2 pt
ROIC — — 0.00 0.00 0.00 (5.61) (14.81) 59.40 910.88 337.58 62.53 +337.6 pt
ROE — — (6.38) (20.46) (32.66) (6.76) (7.81) 18.24 28.06 30.25 31.60 +36.6 pt
People
People Employees — — — — — 6,068 8,000 7,686 8,716 10,027 — +13.4%
Revenue/emp, $m — — 0.00 0.00 0.00 0.28 0.60 1.04 1.32 1.57 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Nu Holdings Ltd. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PNC The PNC Financial Services Group, Inc $90.0B 12.1× 12.0× +6.44% (above 0%: growing) +14.22% (above 0%: growing) +15.40% (above 0%: growing) 70.11% 0.00% Compare
LYG Lloyds Banking Group PLC $74.1B 12.0× — −67.58% (below 0%: shrinking) +66.24% (above 0%: growing) +62.30% (above 0%: growing) 100.00% 0.00% Compare
DB Deutsche Bank Aktiengesellschaft $66.2B 10.1× 9.2× +5.77% (above 0%: growing) +25.97% (above 0%: growing) +127.23% (above 0%: growing) 57.34% 0.00% Compare
NWG NatWest Group plc $63.1B 8.3× 7.9× +12.91% (above 0%: growing) +40.54% (above 0%: growing) −47.36% (below 0%: shrinking) 58.30% 0.00% Compare
TFC Truist Financial Corporation $59.7B 12.7× 11.7× −22.06% (below 0%: shrinking) −45.71% (below 0%: shrinking) +17.77% (above 0%: growing) 61.29% 0.00% Compare
NU Nu Holdings Ltd. $56.7B 16.0× 13.6× +50.29% (above 0%: growing) +69.23% (above 0%: growing) −102.15% (below 0%: shrinking) 71.77% 0.00%
FITB Fifth Third Bancorp $48.3B 18.1× 17.7× +36.55% (above 0%: growing) 0.00% −26.19% (below 0%: shrinking) 72.77% 0.00% Compare
KB KB Financial Group Inc $39.5B 9.7× — +25.89% (above 0%: growing) +12.12% (above 0%: growing) +482.05% (above 0%: growing) 61.64% 0.00% Compare
ITUB Itau Unibanco Holding S.A. $39.4B 9.3× — +9.19% (above 0%: growing) +25.86% (above 0%: growing) +584.73% (above 0%: growing) 46.42% 0.00% Compare
Median of peers $61.4B 11.0× 11.7× +7.82% +20.04% +40.04% 61.46% 0.00%

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NU metrics, ten years each

stockrow.com/NU · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com