Nu Holdings Ltd is engaged in providing digital banking services. It offers several financial services such as Credit cards, Personal Account, Investments, Personal Loans, Insurance, Mobile payments, Business Accounts, and Rewards. The company earns the majority of its revenue in Brazil.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	7.7
Equity-to-Asset	0.16
Debt-to-Equity	0.26
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.27	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	145.8
	3-Year FCF Growth Rate	2.2
	3-Year Book Growth Rate	141.9
	Future 3-5Y EPS without NRI Growth Rate Estimate	61.9
	Future 3-5Y Total Revenue Growth Rate Estimate	44.09

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	60.69
	9-Day RSI	60.59
	14-Day RSI	60.4
	6-1 Month Momentum %	19.51
	12-1 Month Momentum %	93.28

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.1
	Shareholder Yield %	-1.04

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	21.11
	FCF Margin %	19.98
	ROE %	24.16
	ROA %	3.8
	Years of Profitability over Past 10-Year	1

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	47.29
	Forward PE Ratio	23.47
	PE Ratio without NRI	47.29
	PEG Ratio	0.49
	PS Ratio	10
	PB Ratio	10.27
	Price-to-Tangible-Book	11.38
	Price-to-Free-Cash-Flow	50.68
	Price-to-Operating-Cash-Flow	46.7
	EV-to-Forward-EBIT	20.2
	EV-to-Forward-EBITDA	19.51
	EV-to-Revenue	8.18
	EV-to-Forward-Revenue	6.47
	EV-to-FCF	40.94
	Price-to-Peter-Lynch-Fair-Value	2.79
	Price-to-Graham-Number	4.88
	FCF Yield %	2.04

GF Value: $17.8

Warning Signs

Warning! GuruFocus detected 3 Medium warning signs with NU. Try a 7-Day Free Trial to check it out.

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