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.

Nu Holdings Ltd.'s free cash flow has increased 57.07% from $2.22B last year to $3.49B, signaling increasing performance

Nu Holdings Ltd.'s debt to equity ratio is 3.17, which means that the company's assets are unhealthy financed, signaling financial risk.

Nu Holdings Ltd.'s debt has increased relative to shareholder equity from 0.12 last year to 3.17 today, signaling weakened financials

Nu Holdings Ltd. has a net cash position, so leverage is healthy.

Nu Holdings Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.

Nu Holdings Ltd.'s profit margin was 17.76% last year and is 18.61% this year, signaling increasing performance

Nu Holdings Ltd.'s short-term liabilities of $59.81B exceed its short-term assets of $35.44B, signaling financial risk

Nu Holdings Ltd.'s return on assets of 4.36% is lower than the 5.00% threshold, indicating inefficient asset utilization

Nu Holdings Ltd.'s return on equity of 30.26%, is higher than 15.00%, indicating good performance

Nu Holdings Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Nu Holdings Ltd. has insufficient public price history to evaluate earnings stability.

Nu Holdings Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures

Nu Holdings Ltd. has a free cash flow yield of 5.90%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Nu Holdings Ltd.'s yearly earnings has increased 45.47% since last year from $1.97B to $2.87B, signaling increasing performance

Nu Holdings Ltd.'s yearly revenue has increased 42.99% since last year from $11.10B to $15.88B, signaling increasing performance

ROIC 4.36% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Nu Holdings Ltd.'s 3-year revenue CAGR of 52.03% is positive, indicating growing revenue over the past 3 years

Nu Holdings Ltd. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Nu Holdings Ltd. has insufficient public price history to evaluate ROE consistency.

Nu Holdings Ltd. has insufficient data to evaluate this check.

Nu Holdings Ltd. has an earnings yield of 6.07%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Nu Holdings Ltd. is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

Nu Holdings Ltd. has an EV/EBITDA ratio of 12.17x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Nu Holdings Ltd. has insufficient data to evaluate this check.

Nu Holdings Ltd. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Nu Holdings Ltd. has a price-to-book ratio of 4.48x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Nu Holdings Ltd. has a price-to-sales ratio of 3.07x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue