Nu Holdings Ltd (NU)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

$12.03

+0.29 (+2.47%)

Market Cap: $57.92B

Last updated: Nov 06, 2026 at 4:41 PM ET

Earnings

Performance (10Y)

Beat Rate

79%(15/19)

Avg Surprise

+18.56%

Streak

1 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.22

Range$0.18 - $0.25

12 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.21+7.0%

60d ago$0.22+0.1%

30d ago$0.22-0.4%

7d ago$0.22+1.2%

Current$0.22

Revenue Consensus

$6.0B

Range$5.7B - $6.2B

7 analysts

Period ending Dec 31, 2026

EPS Consensus$0.26

Range$0.15 - $0.33

17 analysts

Revenue Consensus

$6.3B

Range$5.7B - $7.5B

9 analysts

Last 12 of 27 reported quarters and 2 upcoming estimates

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.26	$0.15 - $0.33	-	-	17	-	-
Sep 30, 2026Sep 26EST	-	$0.22	$0.18 - $0.25	-	-	12	5 0 30d	-
Jun 30, 2026Jun 26 Reported Aug 13, 2026Reported Aug 13	$0.22	$0.20	$0.16 - $0.21	+10.00%	Beat	7	1 2 30d	+69.2%
Mar 31, 2026Mar 26 Reported May 14, 2026Reported May 14	$0.18	$0.19	$0.17 - $0.20	-5.26%	Miss	8	1 1 30d	+63.6%
Dec 31, 2025Dec 25 Reported Feb 25, 2026Reported Feb 25	$0.18	$0.18	$0.17 - $0.20	+0.00%	Beat	7	1 0 30d	+63.6%
Sep 30, 2025Sep 25 Reported Nov 13, 2025Reported Nov 13	$0.17	$0.17	$0.16 - $0.18	+0.00%	Beat	8	1 1 30d	+54.5%
Jun 30, 2025Jun 25 Reported Aug 14, 2025Reported Aug 14	$0.13	$0.13	$0.13 - $0.14	+0.00%	Beat	4	2 0 30d	+30.0%
Mar 31, 2025Mar 25 Reported May 13, 2025Reported May 13	$0.11	$0.12	$0.12 - $0.13	-8.33%	Miss	6	1 1 30d	+37.5%
Dec 31, 2024Dec 24 Reported Feb 20, 2025Reported Feb 20	$0.11	$0.11	$0.10 - $0.14	+0.00%	Beat	6	1 1 30d	+57.1%
Sep 30, 2024Sep 24 Reported Nov 13, 2024Reported Nov 13	$0.11	$0.10	$0.09 - $0.14	+10.00%	Beat	8	1 0 30d	+83.3%
Jun 30, 2024Jun 24 Reported Aug 13, 2024Reported Aug 13	$0.10	$0.09	$0.09 - $0.10	+11.11%	Beat	9	No revisions (30d)	+100.0%
Mar 31, 2024Mar 24 Reported May 14, 2024Reported May 14	$0.08	$0.07	$0.07 - $0.08	+14.29%	Beat	6	No revisions (30d)	+166.7%
Dec 31, 2023Dec 23 Reported Feb 22, 2024Reported Feb 22	$0.07	$0.08	$0.07 - $0.10	-12.50%	Miss	7	2 0 30d	+216.7%
Sep 30, 2023Sep 23 Reported Nov 14, 2023Reported Nov 14	$0.06	$0.05	$0.05 - $0.07	+20.00%	Beat	7	3 0 30d	+500.0%

Key Metrics

Valuation
P/E Ratio	16.04	EV/EBITDA	9.74x
Price/FCF	-12.40x	FCF Yield	-8.06%
Profitability
Profit Margin	42.70%	Operating Margin	50.10%
ROE	31.60%	ROIC	20.18%
Financial Health
Debt/Equity	0.35x	Interest Coverage	0.80x
Current Ratio	0.25x	Quick Ratio	0.25x
Trading Statistics
Beta	0.97	Avg Volume	87.05M
52-Week High	$18.98	52-Week Low	$11.20

Technical Indicators Dashboard

Moving Averages

SMA 10$11.96

SMA 20$13.50

SMA 50$14.01

SMA 200$14.33

EMA 10$12.30

EMA 20$12.97

EMA 50$13.66

EMA 200$14.15

MACD

Line: -0.75Signal: -0.56Hist: -0.19

ADX

ADX: 27.8+DI: 20.7-DI: 40.7

Aroon & PSAR

Aroon Up24.0

Aroon Down96.0

PSAR$14.06

Bollinger Bands

Upper Band$16.75

Lower Band$10.25

%B Position4818%(Upper)

Band Width0.27

RSI (14-Day)

Neutral

37.6

Momentum Oscillators

Stoch %K15.3

Stoch %D10.8

Williams %R-80.5

ROC (10d)-20.6%

Momentum-3.13

CCI (20d)-63.5

MFI (14d)41.1

Volatility Measures

ATR (14d)$0.67(5.5%)

StdDev (20d)1.63

Hist Vol68.8%(High)

Volume Flow

VWAP$12.05

OBV939.5M

AD Line-560.4M

CMF (20d)-0.090

Volume Metrics

Avg Vol (20d)87.8M

Vol Ratio0.7x

VWMA (20d)$13.20

Pivot Points

R3$12.91

R2$12.47

R1$12.10

Pivot Point$11.66

S1$11.29

S2$10.85

S3$10.48

Advanced Oscillators

TSI-26.05

Ultimate Osc46.2

KST-146.87

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$5.52B	$4.98B	$4.70B	$4.17B	$3.68B	$3.25B	$2.99B	$2.86B	$2.75B	$2.64B	$2.18B	$2.14B
Cost of Revenue	$3.02B	$2.98B	$2.62B	$2.23B	$2.04B	$1.87B	$1.63B	$1.54B	$1.42B	$1.49B	$685.76M	$1.22B
Gross Profit	$2.50B	$2.00B	$2.09B	$1.95B	$1.64B	$1.38B	$1.36B	$1.32B	$1.33B	$1.15B	$1.50B	$914.83M

Operating Expenses	$1.26B	$1.05B	$1.01B	$829.33M	$760.63M	$581.74M	$595.88M	$598.51M	$599.79M	$568.76M	$937.87M	$503.28M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$206.13M	$193.86M	$197.52M	$147.99M	$133.38M	$123.32M	$318.77M	$276.12M	$319.71M	$315.79M	$332.84M	$391.56M
Operating Income	$1.24B	$954.31M	$1.08B	$1.12B	$879.36M	$795.07M	$767.45M	$723.79M	$725.42M	$578.54M	$559.93M	$411.55M

Interest Income	$4.76B	$4.28B	$4.00B	$3.58B	$3.13B	$2.73B	$2.49B	$2.47B	$2.38B	$2.28B	$1.95B	$1.73B
Interest Expense	$1.56B	$1.27B	$1.38B	$1.28B	$1.03B	$896.20M	$747.99M	$760.96M	$665.19M	$660.72M	$605.64M	$537.65M
Income Before Tax	$1.24B	$955.34M	$1.08B	$1.12B	$879.36M	$795.07M	$767.45M	$723.79M	$725.42M	$578.54M	$559.93M	$411.55M
Income Tax Expense	$175.22M	$82.88M	$182.90M	$333.61M	$242.38M	$237.87M	$214.81M	$170.40M	$238.15M	$199.72M	$199.05M	$108.51M

Net Income	$1.06B	$872.06M	$892.38M	$782.47M	$636.84M	$557.20M	$552.64M	$553.39M	$487.27M	$378.81M	$360.88M	$303.04M

EBITDA	$1.28B	$989.71M	$1.11B	$1.14B	$902.43M	$816.39M	$788.51M	$743.06M	$743.75M	$597.00M	$576.47M	$430.74M
EBIT	$1.24B	$955.34M	$1.08B	$1.12B	$879.36M	$795.07M	$767.45M	$723.79M	$725.42M	$578.54M	$559.93M	$411.55M

* Some calculated fields are derived from available data when not provided by source

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News

Total deposits to total assets of Nu Holdings Ltd. Class A – BSESOF:M1Z

This article presents a financial metric for Nu Holdings Ltd. Class A (BSESOF:M1Z), specifically its "Total deposits to total assets." The content is brief, showing a table with the period, value, change...

TradingView•Oct 31, 2026 10:40 PM ET10/31/26•Neutral

Nu Holdings Ltd. Class A Statistics – BSESOF:M1Z

This page provides key financial statistics and ratios for Nu Holdings Ltd. Class A (BSESOF:M1Z). Users can find information on market capitalization, P/E Ratio, EPS, ROI...

TradingView•Oct 29, 2026 10:10 AM ET10/29/26•Neutral

Nu Holdings Ltd. Class A Earnings and Revenue – BSESOF:M1Z

Nu Holdings Ltd. Class A (M1Z) reported strong financial results for the last quarter, with earnings per share of 0.19 EUR, surpassing the 0.17 EUR estimate by 10.86%. Revenue also exceeded expectations...

TradingView•Oct 29, 2026 9:10 AM ET10/29/26•Neutral

At $13.29 each, Nu Holdings (NU) risk chief delivered or withheld 13,118 shares.

Henrique Camossa Saldanha Fragelli, Chief Risk Officer of Nu Holdings Ltd., reported the delivery or withholding of 13,118 Class A shares on October 23, 2026...

Stock Titan•Oct 28, 2026 7:25 AM ET10/28/26•Neutral

Nu Holdings CEO David Velez Osorno Sells 45,690 Shares for Tax Withholding

Nu Holdings Ltd. Chairman and CEO David Velez Osorno sold 45,690 Class A ordinary shares on October 23, 2026, at $13.29 each for tax withholding purposes. Following this transaction...

Kalkine Media•Oct 27, 2026 9:41 PM ET10/27/26•Neutral

NU Valuation and Fair Value

P/E: 16.0x
Forward P/E: 10.5x
EV/EBITDA: 9.7x
P/FCF: -12.4x
PEG: 0.4x
P/B: 4.5x

See GNG's fair value

NU Profitability: Margins, ROIC and FCF

Gross margin: 44.0%
Operating margin: 50.1%
Net margin: 42.7%
ROIC: 20.2%
ROE: 31.6%
FCF margin: -24.6%
FCF yield: -8.1%

NU Competitors

Company	Ticker
Nasdaq Inc	NDAQ
Huntington Bancshares Incorporated	HBANL
Truist Financial Corp	TFC
PayPal Holdings Inc	PYPL
Natwest Group PLC	NWG
Fifth Third Bancorp	FITB
Aflac Incorporated	AFL
MSCI Inc	MSCI

Sector: Financial Services

NU Analyst Ratings

Consensus: Buy
Analysts: 22
Strong Buy: 5
Buy: 13
Hold: 3
Sell: 0
Strong Sell: 1

NU Bull Case vs Bear Case

Bull case

NU earns a 20.2% return on invested capital.
NU has a 42.7% net profit margin.
NU grew quarterly revenue 52.1% year over year.

Bear case

NU beat EPS estimates in 25.0% of its last 8 reported quarters.

NU Earnings: Beat Rate and Next Report

Beat rate: 2 of 8 quarters (25.0%)
Average surprise: 0.8%
EPS estimate (fiscal period ending Sep 30, 2026): $0.22
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 5 up, 0 down

NU Earnings Date

NU reports Nov 12, 2026. The date is confirmed.

NU Earnings Call

The latest NU earnings call transcript on file is labeled 2026Q2.

Read the 2026Q2 transcript

NU ETF Holders

GNG tracks 11 ETFs that hold NU. The largest weights:

iShares MSCI Brazil ETF (EWZ), 8.35% of the fund
iShares Latin America 40 ETF (ILF), 7.82% of the fund
iShares U.S. Financials ETF (IYF), 0.76% of the fund
Xtrackers Emerging Markets Carbon Reduction and Climate Improvers ETF (EMCR), 0.62% of the fund
iShares Core MSCI Emerging Markets ETF (IEMG), 0.45% of the fund

Open the ETF Stock Exposure tool for NU

Frequently Asked Questions About NU

When does NU report earnings?

Nu Holdings Ltd (NU) is confirmed to report earnings on Nov 12, 2026.

Does NU pay dividends?

Nu Holdings Ltd (NU) does not currently pay a regular dividend.

What is NU's P/E ratio?

Nu Holdings Ltd has a price-to-earnings (P/E) ratio of 16.04.

What is NU's market cap?

Nu Holdings Ltd (NU) has a market capitalization of $57.92B with a current stock price of $12.03.

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