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Nu Holdings Ltd.

NYSE•NU
CEO: Mr. David Velez-Osomo
Sector: Financial Services
Industry: Banks - Diversified
Listing Date: 2021-12-09
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, Cayman Islands, Germany, Argentina, the United States, and Uruguay. It offers spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Ultraviolet credit and prepaid card, a premium metal credit card for affluent customers; 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 mall that enables customers to purchase goods and services from various ecommerce retailers. The company also provides savings solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business prepaid and credit card; and Nu business accounts for entrepreneur customers and their businesses. In addition, it offers investing solutions, including Money Boxes for goal-based investing; Nucoin, a proprietary utility token for its loyalty program; NuInvest, which provides equity, fixed-income, stock options, ETF products, and multimarket funds; 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 using their credit line; purchase financing; and NuPay to make online purchases and pay for services through Nubank app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies. The company was founded in 2013 and is headquartered in São Paulo, Brazil.
Contact Information
Rua Capote Valente, 39, São Paulo, SP, 05409-000, Brazil
N/A
www.nubank.com.br
Market Cap
$72.47B
P/E (TTM)
25.4
14.8
Dividend Yield
--
52W High
$18.98
52W Low
$9.01
52W Range
60%
Rank57Top 83.3%
2.4
F-Score
Modified Piotroski Analysis
Based on 7-year fundamentals
Weak • 2.4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2019-2025

Financial Dashboard

Q4 2025 Data

Revenue

$4.70B+0.00%
4-Quarter Trend

EPS

$0.18+0.00%
4-Quarter Trend

FCF

$2.50B+0.00%
4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Adjusted Net Income reached US$2.2B, growing 105% FXN YoY, driven by strong revenue performance.
Customer Base Surpasses 114 Million Total customer base reached 114.2M, up 22% YoY, supported by 55% FXN growth in Deposits to US$28.9B.
ARPAC and Gross Margin Expansion Monthly ARPAC increased 27% FXN to US$11.1; Gross Profit Margin improved to 45.6% from 43.5%.
Loan Portfolio and Credit Costs Total portfolio (loans/CC receivables) grew 45% FXN to US$20.7B, while Credit Loss Allowance expenses rose 38.7%.

Risk Factors

Rising Credit Loss Expenses Credit loss allowance expenses increased significantly by 38.7% to US$3.17B, reflecting portfolio growth and risk profile changes.
Complex Regulatory Environment Risks Subject to extensive regulation across Brazil, Mexico, and Colombia; compliance costs and potential sanctions remain a key concern.
Dependence on Technology Systems Business highly dependent on uninterrupted IT systems; failures or disruptions could materially impair operations and reputation.
Foreign Exchange Volatility Exposure Significant exposure to FX volatility, especially the Brazilian Real depreciation against the US Dollar, impacting reported results.

Outlook

Growing Ecosystem and Monetization Intent to continue driving ecosystem expansion, increasing customer engagement, and deepening monetization across existing product offerings.
Enhancing Platform with AI Focus on leveraging advanced technology and proprietary data science, including recent AI acquisitions, to improve underwriting and experience.
International Expansion and New Products Continue assessing opportunities for international expansion and launching new products like secured loans in 2025.

Peer Comparison

Revenue (TTM)

WFC stock ticker logoWFC
$123.53B
-1.5%
SMFG stock ticker logoSMFG
$101.76B
+104.8%
ITUB stock ticker logoITUB
$68.80B
+20.3%

Gross Margin (Latest Quarter)

ING stock ticker logoING
93.7%
+5.5pp
BCS stock ticker logoBCS
92.3%
+0.0pp
PNC stock ticker logoPNC
68.0%
+36.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
WFC$263.46B12.511.8%9.0%
BMO$103.13B15.610.5%11.6%
ITUB$94.94B11.121.6%32.9%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
14.3%
Steady Growth
4Q Net Income CAGR
17.0%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:May 11, 2026
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Reports
News
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LTM
No Data