Nu Holdings Ltd. (NU) has a MoatMap StockRank of 21/100 based on Quality (54/100), Value (22/100), and Momentum (31/100) factor scores. The current signal is SELL. Nu Holdings is a premier digital compounder sharing scale economics with its 100M+ customers via ultra-low operating costs. The macro tailwind of supply chain nearshoring in Mexico is driving a massive manufacturing boom, creating a rapidly expanding, underbanked middle class that Nu is capturing at near-zero customer acquisition cost. This creates an asymmetric growth runway that the market's near-term valuation models fail to fully project.
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.
| Price | $11.88 |
| Market Cap | $63.4B |
| P/E (TTM) | 18.65 |
| P/E (Forward) | 10.58 |
| Price/Book | 4.68 |
| Return on Equity | 30.1% |
| Gross Margin | 0.0% |
| Operating Margin | 48.2% |
| Revenue Growth | 43.7% |
Nu Holdings Ltd. operates in the Banks - Regional industry, part of the Financial Services sector (Brazil).