Nu Holdings Ltd.
NYSE•NU
CEO: Mr. David Velez-Osomo
セクター: Financial Services
業種: Banks - Diversified
上場日: 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.
連絡先情報
時価総額
$69.77B
PER (TTM)
24.4
14
配当利回り
--
52週高値
$18.98
52週安値
$9.01
52週レンジ
順位57Top 83.3%
2.4
F-Score
改良版 Piotroski 分析
7年ファンダメンタル
弱い • 2.4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2019-2025
財務ダッシュボード
Q4 2025 データ
売上高
$4.70B+0.00%
直近4四半期の推移
EPS
$0.18+0.00%
直近4四半期の推移
フリーCF
$2.50B+0.00%
直近4四半期の推移
2024 Annual 決算ハイライト
主なハイライト
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%.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$123.53B
$101.76B
$68.80B
粗利益率 (最新四半期)
93.7%
92.3%
68.0%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| WFC | $248.64B | 12.0 | 11.8% | 19.8% |
| BMO | $96.78B | 14.9 | 10.5% | 11.6% |
| ITUB | $93.57B | 10.8 | 21.6% | 32.9% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
14.3%
安定成長
4四半期純利益CAGR
17.0%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年5月11日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし