Nu Holdings Ltd. (NU)
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; 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 marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; 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; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is based in Sao Paulo, Brazil.
- Ticker
- NU
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $58.14B
- 52-week range
- $11.20 - $18.98
Valuation
- Share price
- $12.03 (close of Nov 6, 2026)
- P/E (TTM)
- 20.27x
- Price to book
- 5.14x
- Price to free cash flow
- 16.61x
- Enterprise value
- $45.03B
- Book value per share
- $2.34
Price performance
| Period | Change |
|---|---|
| 1 day | +2.47% |
| 5 days | +3.62% |
| 1 month | -23.18% |
| 3 months | -14.80% |
| 6 months | -16.92% |
| Year to date | -28.14% |
| 1 year | -24.53% |
| 3 years | +44.77% |
| All time | +16.46% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 3.75%
- Shares short
- 139.67M
- Days to cover
- 1.52
- Change since prior report
- +3.78%
- Source
- FINRA consolidated short interest
Members of Congress who disclosed NU trades
Byron Donalds · Robert Bresnahan
Super investors holding NU
Stephen Mandel (Lone Pine Capital LLC) · Lee Ainslie (Maverick Capital LTD) · Philippe Laffont (Coatue Management) · Chase Coleman (Tiger Global Management) · Ken Griffin (Citadel) · Polen Capital Mgmt (Polen Capital Management LLC) · Glenn Greenberg (Brave Warrior Advisors, LLC)
Profitability and growth
- Return on equity
- 25.34%
- Return on assets
- 3.83%
- Net margin
- 18.19%
- Revenue growth
- 36.97%
- Net income growth
- 45.47%
- Free cash flow growth
- 45.91%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 6.02%
- Net debt to EBITDA
- -3.39x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Revenue
- $15.77B
- Net income
- $2.87B
- Earnings per share
- $0.59
- Shares outstanding
- 4.83B
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| 2025-12-31 | $15.77B | $2.87B | $0.59 |
| 2024-12-31 | $11.52B | $1.97B | $0.41 |
| 2023-12-31 | $8.03B | $1.03B | $0.22 |
| 2022-12-31 | $4.79B | -$364.58M | -$0.08 |
| 2021-12-31 | $1.70B | -$164.99M | -$0.10 |
| 2020-12-31 | $737.13M | -$171.49M | -$0.13 |
| 2019-12-31 | $612.11M | -$92.53M | -$0.08 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 18.19% | 25.34% |
| 2024-12-31 | 17.12% | 25.79% |
| 2023-12-31 | 12.84% | 16.09% |
| 2022-12-31 | -7.61% | -7.45% |
| 2021-12-31 | -9.72% | -3.71% |
| 2020-12-31 | -23.26% | -39.14% |
| 2019-12-31 | -15.12% | -15.11% |
Cash and debt by year
| Period end | Cash |
|---|---|
| 2025-12-31 | $15.00B |
| 2024-12-31 | $9.19B |
| 2023-12-31 | $5.92B |
| 2022-12-31 | $4.17B |
| 2021-12-31 | $2.71B |
| 2020-12-31 | $2.34B |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|---|---|
| 2025-12-31 | $3.50B | $271.85M |
| 2024-12-31 | $2.40B | $272.38M |
| 2023-12-31 | $1.27B | $212.55M |
| 2022-12-31 | $755.57M | $253.20M |
| 2021-12-31 | -$2.92B | $157.32M |
| 2020-12-31 | $974.52M | $35.57M |
| 2019-12-31 | $276.14M | $18.51M |
| 2018-12-31 | -$11.83M | $9.33M |
Investor relations
Next earnings report
- Next confirmed report
- Nov 12, 2026
- Consensus EPS estimate
- $0.22
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-08-13 | Jun 2026 | $0.20 |
| 2026-05-14 | Mar 2026 | $0.20 |
| 2026-02-25 | Dec 2025 | $0.18 |
| 2025-11-13 | Sep 2025 | $0.15 |
| 2025-08-14 | Jun 2025 | $0.13 |
| 2025-05-13 | Mar 2025 | $0.12 |
| 2025-02-20 | Dec 2024 | $0.12 |
| 2024-11-13 | Sep 2024 | $0.10 |
Filings and sources
- Company website
- nubank.com.br
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Understanding these figures
Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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