# Nu Holdings Ltd. Class A (NU) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $15.37, market value $74.2 billion.

## Valuation
- **P/E (trailing): 21.1×** (5-yr avg 31.2×, 3-yr avg 31.2×). Nu Holdings Ltd. Class A trades at 21.1× trailing earnings, well below its own five-year average of 31.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 5.6×**. Each dollar of revenue is priced at 5.6×.
- **Price / book: 5.6×**. The shares trade at 5.6× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: -2.2%** (5-yr avg 3.8%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 4.7%**. The inverse of the P/E: 4.7% of the price is earned each year.

## Profitability
- **Net margin: 27.0%**. 27.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 25.4%**. 25.4% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 4.8%**. Each dollar of assets produces 4.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -7.7%** (3-yr 30.4%/yr, 5-yr 70.5%/yr). Revenue fell 7.7% over the last year, against 70.5% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 44.9%** (5-yr -94.6%/yr). Earnings per share rose 44.9%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $20.9 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Nu Holdings Ltd. Class A does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (22 analysts). 22 analysts cover Nu Holdings Ltd. Class A; the consensus is buy, with an average price target of $18.78 (+22% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 3.4%** (YTD -8.2%, 3-mo 28.4%). The shares are up 3.4% over twelve months including dividends.
- **From 52-week high: -19.0%** (37.2% above the low). Trading 19% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 1.41** (volatility 38%). Beta of 1.41 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NU · Page: https://foliofundamentals.com/stocks/nu

Not investment advice.