Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
NU
SellNu Holdings Ltd. · Financial Services · Brazil · $69.1B · Avg Vol: $1.1B/d
COMPANY DESCRIPTION
Nu Holdings Ltd., operating as Nubank, is the largest digital banking platform in Latin America, offering low-cost financial services, credit cards, and investment products. The company's competitive advantage stems from its proprietary, cloud-native technology stack, which enables exceptionally low customer acquisition and servicing costs compared to traditional legacy banks. Its rapid customer growth and high engagement create a powerful network effect and cross-selling engine across Brazil, Mexico, and Colombia.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | 22.8B | 27.4B | — |
| EPS | — | — | — | — | — | — | 0.84 | 1.10 | — |
| Shares | 4.7B | 4.8B | 4.8B | 4.9B | +3.4% | 3.8B | — | — | — |
| Debt | 605.9M | 957.2M | 578.0M | 1.9B | 46.3% | 5.9B | — | — | — |
| Equity | 4.9B | 6.4B | 7.6B | 11.3B | 32.2% | — | — | — | — |
| Op CF | 755.6M | 1.3B | 2.4B | 3.5B | 66.7% | -10.3B | — | — | — |
| Inv CF | -127.2M | -177.0M | -330.6M | -342.3M | — | — | — | — | — |
| Fin CF | 654.0M | 425.2M | 727.7M | 2.3B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NU are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| NU | Nu Holdings Ltd.(you) | $69.1B | 28 | Sell |
| 7182.T | JAPAN POST BANK Co., Ltd. | $74.2B | 38 | Hold |
| IBN | ICICI Bank Limited | $107.2B | 23 | Sell |
| BSBR | Banco Santander (Brasil) S.A. | $43.3B | 23 | Sell |
| HDB | HDFC Bank Limited | $118.6B | 22 | Sell |
| U11.SI | United Overseas Bank Limited | $53.3B | 43 | Hold |
| 1155.KL | Malayan Banking Berhad | $32.1B | 37 | Hold |
| BBDO | Banco Bradesco S.A. | $32.1B | 37 | Hold |
| 8308.T | Resona Holdings, Inc. | $35.1B | 40 | Hold |
| ITUB | Itaú Unibanco Holding S.A. | $82.7B | 51 | Hold |
Peer medians: ROE 9.8% · P/E 12.7x · Gross margin 85.5%