NYSE
NU
Last Price
US $13.36
KEY FIGURES
MKT CAP
$63.8B
EPS
TTM
$0.66
PEG
TTM
0.46x
P/E
TTM
20.26x
P/S
TTM
4.02x
YIELD
0.00%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
28.94%
Return on equity
ROIC: 16.47%
Valuation History
20.3X
Price to Earnings
EV/EBITDA: 11.5X
Cash flow
Profit margin
94.19%
(FY vs FY)
EBITDA Y/Y
-
(FY vs FY)
Cash flow Y/Y
29.30%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $13.36
11.30%
Default assumptions
EBITDA Multiple
Fair Value
Market $13.36
-41.77%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Nu Holdings Ltd. cash flow to debt ratio of 67.17% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Nu Holdings Ltd.'s free cash flow has increased 57.07% from $2.22G last year to $3.49G, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Nu Holdings Ltd.'s debt to equity ratio is 0.25, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
Nu Holdings Ltd.'s debt has increased relative to shareholder equity from 0.12 last year to 0.25 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
Nu Holdings Ltd. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Nu Holdings Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Nu Holdings Ltd.'s profit margin has increased (2.19%) in the last year from 17.76% to 18.15%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Nu Holdings Ltd.'s short-term liabilities of $59.81G exceed its short-term assets of $35.44G, signaling financial risk
Decreasing performance - ROA.
Nu Holdings Ltd.'s return on assets of 4.11% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
Nu Holdings Ltd.'s return on equity of 28.94%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
Nu Holdings Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Nu Holdings Ltd. had positive net income in 3.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Nu Holdings Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Nu Holdings Ltd. has a free cash flow yield of 5.48%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Nu Holdings Ltd.'s yearly earnings has increased 45.47% since last year from $1.97G to $2.87G, signaling increasing performance
Increasing performance - Healthy revenue growth.
Nu Holdings Ltd.'s yearly revenue has increased 42.99% since last year from $11.10G to $15.88G, signaling increasing performance
Increasing performance - ROIC.
ROIC 16.47% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Nu Holdings Ltd.'s 3-year revenue CAGR of 52.03% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Nu Holdings Ltd. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Nu Holdings Ltd. had positive ROE in 3.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Nu Holdings Ltd. is undervalued relative to its fair value price of 14.87 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Nu Holdings Ltd. has an earnings yield of 4.98%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Nu Holdings Ltd. is overvalued relative to its fair value price of 7.78 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Nu Holdings Ltd. has an EV/EBITDA ratio of 11.48x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Nu Holdings Ltd. has a PEG-ratio under 1 which is considered undervalued
Overvalued - P/B ratio.
Nu Holdings Ltd. has a price-to-book ratio of 5.08x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value
Undervalued - P/S ratio.
Nu Holdings Ltd. has a price-to-sales ratio of 3.64x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue