Financial Services
Nu Holdings Ltd.(NU)
Live Price
Offline$13.17
+5.70% today
1Y Change
-8.24%
Window
Jun 30, 2025 โ Jun 23, 2026
- Market Cap
- $69.77B
- Revenue Growth
- +43.0%
- EPS Growth
- +43.9%
- Dividend Yield
- 0.0%
Coverage: 246 bars ยท Jun 30, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Nu Holdings Ltd. (NU) is a Financial Services stock with a market cap of $69.77B and listed on NYSE. The stock last traded around $13.17 and down 8.2% across the available one-year price window (Jun 30, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +43.0%, EPS growth of +43.9%, a dividend yield of 0.0%. What stands out right now is revenue +43.0%, EPS +43.9%, free cash flow +57.1% with operating margin 24.5% and ROIC 16.3%. Valuation sits in the middle of the pack at P/E 24.3 and price/sales 4.4. Overall, the current profile looks closer to a quality compounder than a generic broad-market placeholder. Stock Foundry combines NU price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+43.0% vs +3.4% peer median
Operating Margin
Above sector median
+24.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 12, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +43.0% and EPS at +43.9%, with operating margin around 24.5%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -6.3% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 12, 2026 | โ | -3.4% | -7.4% | -12.4% |
2026 Feb 25, 2026 | -4.9% | -9.5% | -9.9% | -14.0% |
2025 Nov 13, 2025 | +6.3% | +1.5% | -1.7% | +8.4% |
Benchmark Edge
NU vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
Relative Read
NU trails SPY
NU is 26.97 pts behind over the shared 1Y window.
NU had 29.03 pts deeper max drawdown than SPY.
NU beat SPY in 1 of 2 calendar years shown and trailed in 1.
NU
-8.24%
Normalized return
SPY
+18.73%
S&P 500
Excess Return
-26.97 pts
Relative to SPY
NU Max Drawdown
-38.17%
Trailing 1Y
SPY Max Drawdown
-9.13%
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for NU and SPY.
| Year | NU | SPY | Excess | Leader |
|---|---|---|---|---|
| 2026 | -26.03% | +6.71% | -32.74 pts | SPY |
| 2025 | +23.03% | +11.19% | +11.84 pts | NU |
Company Overview
Nu Holdings Ltd.
New York Stock Exchange
Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.
- Leadership
- David Velez-Osomo
- IPO Date
- Dec 9, 2021
- Employees
- 5.4k
- Street Address
- Rua Capote Valente, 39
- Mailing
- Sรฃo Paulo, SP, 5409-0000
- Region
- Sรฃo Paulo, SP, BR
- Reporting Currency
- USD
- Investor Line
- 1 345 949 2648
- Last Updated
- May 2, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 24.3
- EV/EBITDA
- 15.1
- Price/Sales
- 4.4
- Price/Book
- 6.2
Growth
- Revenue
- +43.0%
- EPS
- +43.9%
- Free Cash Flow
- +57.1%
Profitability
- Gross Margin
- 44.6%
- Operating Margin
- 24.5%
- Net Margin
- 18.1%
- ROE
- 28.7%
- ROIC
- 16.3%
Balance Sheet
- Debt/Equity
- 0.46
- Current Ratio
- 0.59
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.