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Nu Holdings Ltd.

NYSE•NU
CEO: Mr. David Velez-Osomo
板块: Financial Services
行业: Banks - Diversified
上市日期: 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.
联系方式
Rua Capote Valente, 39, São Paulo, SP, 05409-000, Brazil
N/A
www.nubank.com.br
市值
$71.60B
市盈率 (TTM)
25.1
15.1
股息率
--
52周最高
$18.98
52周最低
$9.01
52周范围
58%
排名57Top 83.3%
2.4
F-Score
改良版 Piotroski 分析
基于 7 年期基本面
疲弱 • 2.4 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2019-2025

财务仪表盘

Q4 2025 数据

营业收入

$4.70B+0.00%
近4季度走势

每股收益

$0.18+0.00%
近4季度走势

自由现金流

$2.50B+0.00%
近4季度走势

2024 Annual 财报亮点

核心亮点

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%.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (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%

毛利率 (最新季度)

BCS stock ticker logoBCS
97.5%
+0.0pp
ING stock ticker logoING
93.7%
+5.5pp
PNC stock ticker logoPNC
68.0%
+36.6pp

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
WFC$257.75B12.211.8%9.0%
BMO$101.69B15.410.5%11.6%
CM$93.52B13.614.8%15.4%

长期趋势

近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
14.3%
稳定增长
4季度净利润复合增长率
17.0%
盈利能力强劲提升
现金流稳定性
75%
现金流波动较大

深度研究

下次财报:2026年5月11日
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