Nu Holdings Ltd.

Nu Holdings Ltd.

13.10
EUR
-0.31
(-2.33%)
0.67EPS
17.26P/E
56.35BMarket Cap
Nov 12Next Earn

Total Valuation

EUR

As of June 30, 2026, Nu Holdings Ltd. Class A carries a market capitalization of 56.35B, placing it among publicly traded companies globally. Its enterprise value stands at 28.93B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap56.35B
Enterprise Value28.93B

Important Dates

Nu Holdings Ltd. Class A's next confirmed earnings release is scheduled for November 12, 2026.

Earnings Date11/12/2026

Share Statistics

As of June 30, 2026, Nu Holdings Ltd. Class A has 4.83B shares outstanding.

Shares Outstanding4.83B

Valuation Ratios

As of June 30, 2026, Nu Holdings Ltd. Class A trades at a trailing price-to-earnings ratio of 17.26. The price-to-sales ratio is 4.73, and the price-to-book ratio stands at 4.86.

PE Ratio17.26
PS Ratio4.73
PB Ratio4.86
P/TBV Ratio5.32
P/FCF Ratio-37.72
P/OCF Ratio-45.07

Enterprise Valuation

These figures are as of June 30, 2026. The EV/Sales ratio of 2.51 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. These enterprise value multiples are built on an enterprise value of 28.93B versus a market cap of 56.35B, with the gap driven by net debt and cash on the balance sheet.

EV / Sales2.51

Financial Position

These figures are as of June 30, 2026.

Debt / Equity14.60

Financial Efficiency

EUR

Over the twelve months ended June 30, 2026, Nu Holdings Ltd. Class A posted a return on equity (ROE) of 31.61, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 4.96, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 28.45, useful for judging operating efficiency across full business cycles. The company generates approximately 1.40M in revenue per employee across its workforce of 8,215.75, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)31.61
Return on Assets (ROA)4.96
Return on Capital Employed (ROCE)28.45
Revenue Per Employee1.40M
Employee Count8,215.75

Taxes

EUR

Over the twelve months ended June 30, 2026, Nu Holdings Ltd. Class A recorded 678.01M in income tax expense. That works out to an effective tax rate of 17.67, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 3.84B, leaving 3.16B in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax678.01M
Effective Tax Rate17.67

Stock Price Statistics

EUR

As of the close on October 22, 2026, Nu Holdings Ltd. Class A's stock has gained approximately 0.57% over the past 52 weeks. The 50-day moving average sits at 12.75, while the 200-day moving average is 12.57.

52-Week Price Change0.57%
50-Day Moving Average12.75
200-Day Moving Average12.57

Income Statement

EUR

Over the twelve months ended June 30, 2026, Nu Holdings Ltd. Class A generated 11.53B in revenue and converted that into 3.16B in net income, yielding earnings per share of 0.67.

Revenue11.53B
Pretax Income3.84B
Net Income3.16B
Earnings Per Share (EPS)0.67

Balance Sheet

EUR

As of June 30, 2026, Nu Holdings Ltd. Class A holds 29.12B in cash and equivalents against 1.69B in total debt, resulting in a net debt position of -13.06B.

Cash & Cash Equivalents29.12B
Total Debt1.69B
Net Debt-13.06B
Equity (Book Value)11.60B
Book Value Per Share2.40

Cash Flow

EUR

Nu Holdings Ltd. Class A produced -1.21B in operating cash flow over the twelve months ended June 30, 2026. After subtracting -252.39M in capital expenditures, free cash flow totaled -1.46B - equivalent to -0.31 per share.

Operating Cash Flow-1.21B
Capital Expenditures-252.39M
Free Cash Flow-1.46B
FCF Per Share-0.31

Margins

These figures cover the twelve months ended June 30, 2026.

Pretax Margin33.28
Profit Margin27.38

Dividends & Yields

These figures cover the twelve months ended June 30, 2026. Free cash flow yield is negative at -2.65: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield is negative at -2.48, meaning Nu Holdings Ltd. Class A raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Shareholder Yield-2.48
FCF Yield-2.65