Nu Holdings Ltd.
NYSE•NU
執行長: Mr. David Velez-Osomo
板塊: Financial Services
行業: 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.
聯絡資訊
市值
$71.89B
本益比 (TTM)
25.2
14
股息率
--
52周最高
$18.98
52周最低
$9.01
52周範圍
排名57Top 83.3%
2.4
F-Score
改良版 Piotroski 分析
基於 7 年期基本面
疲弱 • 2.4 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2019-2025
財務儀表板
Q4 2025 數據
營業收入
$4.70B+0.00%
近4季度走勢
每股收益
$0.18+0.00%
近4季度走勢
自由現金流
$2.50B+0.00%
近4季度走勢
2024 Annual 財報亮點
核心亮點
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%.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$123.53B
$101.76B
$68.80B
毛利率 (最新季度)
97.5%
93.7%
68.0%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| WFC | $245.88B | 11.7 | 11.8% | 19.8% |
| BMO | $101.04B | 15.2 | 10.5% | 11.6% |
| ITUB | $93.51B | 10.8 | 21.6% | 32.9% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
14.3%
穩定增長
4季度淨利複合增長率
17.0%
盈利能力大幅提升
現金流穩定性
75%
現金流波動較大
深度研究
下次財報:2026年5月11日
每股收益:-
|營業收入:-
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