Nu Holdings Ltd.
NUNu Holdings Ltd. is coiled. The quarters are improving, yet the P/BV sits at the 27th percentile of its own 5-year range — the business is moving before the market.
The sharpest disagreement: annual EPS moved +44.9% against a −14.6% price move — the market has not yet caught up with the delivery.
The price is building a base (2 weeks in) while the P/BV sits at the 27th percentile of its own 5-year range. Underneath, the last four quarters read improving — profit +65.6% year on year, with the the net margin at 42.9%. What settles it: whether the price catches up with earnings that have already moved.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Nu Holdings Ltd. trades at $13.8, building a base and 2 weeks into that stage. That is −7.4% against its own 200-day average. It sits at 30% of a 52-week range of $12 to $18. On relative strength it has been ahead of the S&P 500 on a trailing-13-week view for 6 straight weeks.
Today the stock is building a base — week 2 of stage 1. At $13.8 it trades −7.4% versus its 200-day average and sits at 30% of its 52-week range ($12–$18).
Against the market, two honest reads. Cumulative: over the last 4.8 years the stock moved +17% while the S&P 500 moved +60% — behind the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 6 straight weeks — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Nu Holdings Ltd. trades at 5.0× P/BV, near the bottom of its own range — cheaper only 27% of the time. Its long-run median P/BV is 6.7×, measured across 4.8 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 5.0× is near the bottom of its own range — cheaper only 27% of the time, against a long-run median of 6.7× measured over 4.8 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
One caveat before moving on: the net margin is the best this company has ever printed — cheap against its own history on record margins is not the same thing as cheap. If profitability mean-reverts, today's multiple is higher than it looks.
Why the multiple sits where it does: over the past year book value grew while the price moved −14.6% — price and book moved together, holding the multiple in its range.
The price move, decomposed: over 3y, of the +23.3%/yr price move, ~+32.1%/yr came from book-value growth and ~−8.8 pp from the multiple (compressing). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.
Put together: the multiple is low against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Consistent Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Nu Holdings Ltd. reads as consistent on its fundamental arc. Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 27.2% and holding. The read is built from 12 quarters across 4 curves, on full evidence.
Why it matters: steady curves with healthy returns are the compounding setup — the risk is the price, not the business.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +26.9% | +56.0% | — | — |
| Profit | +45.7% | — | — | — |
| EPS | +44.9% | — | — | — |
| Stock price | −14.6% | +23.3% | — | — |
4-Factor Sector Score
48.3/100 — rank 7 of 18 in Banks - Regional · 64% evidence confidence
Nu Holdings Ltd. scores 48.3 out of 100 against the 18 companies it is compared with in Banks - Regional, ranking 7. Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -15.4% and the one-year return is -14.6%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth.
The four contributions add to the total exactly: 26.8 + 12.7 + 3 + 5.8 = 48.3. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.
Nu Holdings Ltd. reported $2.5 B of income in the Jun 26 quarter, +51.5% year on year. That is the 12th straight quarter of year-on-year growth. Over 4 years it has compounded at 69.3% a year. The last full year, FY25, came in at $7.0 B. The last four reported quarters add to $8.4 B.
FY25 revenue came in at $7.0 B (+26.9% on the year), capping 4 years at 69.3% compound. The latest quarter (Jun 26) printed $2.5 B, +51.5% year on year — the 12th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +44.6% growth against the decade's 69.3% — the current year is running slower than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +44.8% over the last 4 quarters against +32.0%/yr over the last 8 — accelerating; TTM profit +56.5% vs +53.4%/yr — accelerating.
Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.
Nu Holdings Ltd.'s net margin is 42.9% in the Jun 26 quarter, +3.6 percentage points against the same quarter a year ago. That is the widest this company has ever printed on a full-year basis. Across 5 fiscal years the net margin has ranged −20.0% to 41.1%. The current quarter is running above every full year in that window.
The latest quarter's net margin is 42.9%, +3.6 pp against the same quarter a year ago. Across 5 fiscal years the net margin has ranged −20.0%–41.1%, and FY25's 41.1% is the top of that band — a record year.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Worth repeating from the valuation section: cheap against its own history on record margins is not the same thing as cheap — a record margin flatters every ratio built on top of it.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Nu Holdings Ltd. earned $1.1 B of net profit in the Jun 26 quarter, +65.6% year on year. It is the 10th consecutive quarter of growth. Full-year FY25 profit was $2.9 B. That is 42.9% of the quarter's revenue. The same quarter a year earlier earned $0.6 B.
Jun 26 profit was $1.1 B, +65.6% year on year — the 10th consecutive quarter of growth. On the full year, FY25 printed $2.9 B (+45.7%).
Why profit moved: revenue contributed +51.5% and the margin +3.6 pp — the quarter was margin-led: most of the profit growth came from keeping more of each sale.
Pace comparison, last four quarters: profit +56.1% vs revenue +44.6%. Profit is growing faster than sales — fixed costs are being spread over a bigger base, and each extra dollar of revenue drops more to the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Nu Holdings Ltd., so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Nu Holdings Ltd.'s revenue grew +26.9% in FY25 to $7.0 B, so the book is growing. The latest quarter ran +51.5% year on year. The net margin on that income is 42.9%, +3.6 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY25 revenue was $7.0 B, +26.9% on the year, and the latest quarter ran +51.5% year on year. The net margin on that revenue is 42.9% this quarter (+3.6 pp YoY) — growth with a widening margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Nu Holdings Ltd. earns a return on equity of 25% in FY25. Its trough over the ladder below was −7% in FY22. On the asset side every $100 of the balance sheet earned about $4.96, which is the return before leverage is applied.
FY25 ROE came in at 25%, recovered from a FY22 trough of −7%. On assets, the latest reading is about 4.96% — every $100 the bank deploys earns roughly $4.96 a year. That clears the bar a bank must beat for its book value to compound.
Why: the ROE ladder shows the move; the deposit-cost and provisioning drivers behind it sit below what we hold.
Dividend
Nu Holdings Ltd. pays no dividend. Across the last 12 reported quarters it has declared no dividend per share, so there is no payout history to chart and no yield to quote. Companies at this stage typically reinvest earnings rather than distribute them, which makes the cash-flow and reinvestment sections the place that cash shows up.
Nu Holdings Ltd. does not currently pay a dividend. Across the last 12 reported quarters the company has declared no dividend per share, so there is no payout history to chart and no yield to quote. Companies at this stage typically reinvest earnings instead of distributing them.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.
4.1% of Nu Holdings Ltd.'s tradable float is currently sold short — some money is positioned against it. At typical trading volumes those positions would take about 2.3 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.
The latest reading: 4.1% of the float is sold short, and at typical trading volumes it would take about 2.3 days to buy those positions back. Some money is positioned against it. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.
Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Nu Holdings Ltd.: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1NatWest Group plcNWG | 59.6/100Mixed-positive evidence64% evidence | BREAKING OUT | 20.8/35 Income 11.3% · PAT 22.4% 62% evidence | 12.4/25 ROA — · ROE 3.9% · GNPA — 34% evidence | 8.3/20 P/BV 1.21× · P/BV÷ROE 0.31 70% evidence | 18.1/20 RS sector 3.5% · RS bench 4.8% · 1Y 34.1%9 of 12 weeks ahead 100% evidence |
| Exact sum: 20.8 + 12.4 + 8.3 + 18.1 = 59.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 2KeyCorpKEY | 58.3/100Mixed-positive evidence80% evidence | ASLEEP | 29.3/35 Income 55.4% · PAT 100% 81% evidence | 13.4/25 ROA 1.1% · ROE 10.3% · GNPA — 68% evidence | 14.0/20 P/BV 1.26× · P/BV÷ROE 0.12 70% evidence | 1.6/20 RS sector -8% · RS bench -6.9% · 1Y 8.6%1 of 12 weeks ahead 100% evidence |
| Exact sum: 29.3 + 13.4 + 14 + 1.6 = 58.3 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -8% and the one-year return is 8.6%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth. | ||||||
| 3Deutsche Bank AktiengesellschaftDB | 52.3/100Mixed-positive evidence64% evidence | BREAKING OUT | 18.9/35 Income 6.4% · PAT 30% 62% evidence | 10.0/25 ROA — · ROE 2.4% · GNPA — 34% evidence | 7.5/20 P/BV 0.83× · P/BV÷ROE 0.35 70% evidence | 15.9/20 RS sector 0.4% · RS bench 1.8% · 1Y 5.8%10 of 12 weeks ahead 100% evidence |
| Exact sum: 18.9 + 10 + 7.5 + 15.9 = 52.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4Regions Financial CorporationRF | 51.7/100Mixed-positive evidence80% evidence | ASLEEP | 15.7/35 Income 6.3% · PAT 10.1% 81% evidence | 16.7/25 ROA 1.4% · ROE 11.8% · GNPA — 68% evidence | 14.1/20 P/BV 1.36× · P/BV÷ROE 0.12 70% evidence | 5.2/20 RS sector -5.6% · RS bench -4.4% · 1Y 4.8%7 of 12 weeks ahead 100% evidence |
| Exact sum: 15.7 + 16.7 + 14.1 + 5.2 = 51.7 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 5Credicorp Ltd.BAP | 49.9/100Mixed-negative evidence64% evidence | FADING | 19.1/35 Income 21% · PAT 17.9% 62% evidence | 12.9/25 ROA — · ROE 5.5% · GNPA — 34% evidence | 3.7/20 P/BV 2.77× · P/BV÷ROE 0.5 70% evidence | 14.2/20 RS sector 7.9% · RS bench 9.1% · 1Y 45.1%8 of 12 weeks ahead 100% evidence |
| Exact sum: 19.1 + 12.9 + 3.7 + 14.2 = 49.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Lloyds Banking Group plcLYG | 48.7/100Mixed-negative evidence64% evidence | BREAKING OUT | 16.7/35 Income 11% · PAT 16.6% 62% evidence | 11.7/25 ROA — · ROE 3.3% · GNPA — 34% evidence | 6.1/20 P/BV 1.36× · P/BV÷ROE 0.41 70% evidence | 14.2/20 RS sector 0.9% · RS bench 2.1% · 1Y 32.1%9 of 12 weeks ahead 100% evidence |
| Exact sum: 16.7 + 11.7 + 6.1 + 14.2 = 48.7 · Decision use: Price leads the evidence: RS versus the benchmark is 2.1%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 7Nu Holdings Ltd.this pageNU | 48.3/100Mixed-negative evidence64% evidence | BREAKING OUT | 26.8/35 Income 45.2% · PAT 57% 62% evidence | 12.7/25 ROA — · ROE 9.3% · GNPA — 34% evidence | 3.0/20 P/BV 4.83× · P/BV÷ROE 0.52 70% evidence | 5.8/20 RS sector -15.4% · RS bench -14.2% · 1Y -14.6%6 of 12 weeks ahead 100% evidence |
| Exact sum: 26.8 + 12.7 + 3 + 5.8 = 48.3 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -15.4% and the one-year return is -14.6%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth. | ||||||
| 8U.S. BancorpUSB | 47.1/100Mixed-negative evidence64% evidence | FADING | 17.3/35 Income 6.9% · PAT 18.2% 62% evidence | 12.0/25 ROA — · ROE 3.4% · GNPA — 34% evidence | 6.1/20 P/BV 1.4× · P/BV÷ROE 0.41 70% evidence | 11.7/20 RS sector -0.1% · RS bench 1.1% · 1Y 18.5%8 of 12 weeks ahead 100% evidence |
| Exact sum: 17.3 + 12 + 6.1 + 11.7 = 47.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 9First Citizens BancShares, Inc.FCNCA | 46.5/100Mixed-negative evidence80% evidence | FADING | 10.2/35 Income 3.9% · PAT -3% 81% evidence | 12.5/25 ROA 0.9% · ROE 9.6% · GNPA — 68% evidence | 15.4/20 P/BV 1.09× · P/BV÷ROE 0.11 70% evidence | 8.4/20 RS sector -3.2% · RS bench -2% · 1Y 12.5%6 of 12 weeks ahead 100% evidence |
| Exact sum: 10.2 + 12.5 + 15.4 + 8.4 = 46.5 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 10The PNC Financial Services Group, Inc.PNC | 45.9/100Mixed-negative evidence64% evidence | ASLEEP | 21.1/35 Income 14.5% · PAT 22.4% 62% evidence | 12.0/25 ROA — · ROE 3.4% · GNPA — 34% evidence | 5.0/20 P/BV 1.53× · P/BV÷ROE 0.45 70% evidence | 7.8/20 RS sector -2.2% · RS bench -1% · 1Y 12.6%7 of 12 weeks ahead 100% evidence |
| Exact sum: 21.1 + 12 + 5 + 7.8 = 45.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Citizens Financial Group, Inc.CFG | 45.8/100Mixed-negative evidence64% evidence | FADING | 22.6/35 Income 13.2% · PAT 33.5% 62% evidence | 9.6/25 ROA — · ROE 2.3% · GNPA — 34% evidence | 4.7/20 P/BV 1.13× · P/BV÷ROE 0.49 70% evidence | 8.9/20 RS sector -0.2% · RS bench 1% · 1Y 24.8%8 of 12 weeks ahead 100% evidence |
| Exact sum: 22.6 + 9.6 + 4.7 + 8.9 = 45.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 12Pinnacle Financial Partners, Inc.PNFP | 44.6/100Thin evidence · provisional51% evidence | ASLEEP | 20.5/35 Income 21.7% · PAT 48.7% 29% evidence | 10.9/25 ROA — · ROE 2.6% · GNPA — 26% evidence | 6.6/20 P/BV 1.06× · P/BV÷ROE 0.41 70% evidence | 6.6/20 RS sector -7.1% · RS bench -5.8% · 1Y 0.1%1 of 12 weeks ahead 100% evidence |
| Exact sum: 20.5 + 10.9 + 6.6 + 6.6 = 44.6 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 13M&T Bank CorporationMTB | 38.4/100Mixed-negative evidence64% evidence | ASLEEP | 14.2/35 Income 6.1% · PAT 12.3% 62% evidence | 11.3/25 ROA — · ROE 2.9% · GNPA — 34% evidence | 5.8/20 P/BV 1.23× · P/BV÷ROE 0.43 70% evidence | 7.1/20 RS sector -3% · RS bench -1.8% · 1Y 11.9%7 of 12 weeks ahead 100% evidence |
| Exact sum: 14.2 + 11.3 + 5.8 + 7.1 = 38.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14Fifth Third BancorpFITB | 36.4/100Mixed-negative evidence64% evidence | FADING | 14.8/35 Income 26.2% · PAT 0.4% 62% evidence | 11.3/25 ROA — · ROE 2.9% · GNPA — 34% evidence | 3.8/20 P/BV 1.48× · P/BV÷ROE 0.51 70% evidence | 6.5/20 RS sector -2.3% · RS bench -1.1% · 1Y 13.7%8 of 12 weeks ahead 100% evidence |
| Exact sum: 14.8 + 11.3 + 3.8 + 6.5 = 36.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 15Huntington Bancshares IncorporatedHBAN | 34.2/100Adverse evidence64% evidence | ASLEEP | 14.8/35 Income 54.4% · PAT -32.1% 62% evidence | 10.8/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 6.9/20 P/BV 1.1× · P/BV÷ROE 0.41 70% evidence | 1.7/20 RS sector -13.2% · RS bench -12% · 1Y -10.7%1 of 12 weeks ahead 100% evidence |
| Exact sum: 14.8 + 10.8 + 6.9 + 1.7 = 34.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 16Truist Financial CorporationTFC | 33.2/100Adverse evidence64% evidence | ASLEEP | 12.5/35 Income -2.3% · PAT 11.7% 62% evidence | 9.2/25 ROA — · ROE 2.4% · GNPA — 34% evidence | 7.2/20 P/BV 0.95× · P/BV÷ROE 0.4 70% evidence | 4.3/20 RS sector -8.3% · RS bench -7.2% · 1Y 5.3%1 of 12 weeks ahead 100% evidence |
| Exact sum: 12.5 + 9.2 + 7.2 + 4.3 = 33.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17Webster Financial CorporationWBS | 46.2/100Thin evidence · provisional46% evidence | 15.9/35 Income — · PAT — 10% evidence | 10.8/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 4.9/20 P/BV 1.31× · P/BV÷ROE 0.48 70% evidence | 14.6/20 RS sector 3.6% · RS bench 4.5% · 1Y 26.2%2 of 8 weeks ahead to 2026-08-21 100% evidence | |
| Exact sum: 15.9 + 10.8 + 4.9 + 14.6 = 46.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 18East West Bancorp, Inc.EWBC | 43.2/100Thin evidence · provisional46% evidence | ASLEEP | 17.1/35 Income — · PAT — 10% evidence | 12.7/25 ROA — · ROE 4.2% · GNPA — 34% evidence | 4.7/20 P/BV 1.91× · P/BV÷ROE 0.46 70% evidence | 8.7/20 RS sector -0.6% · RS bench 0.8% · 1Y 15.8%3 of 12 weeks ahead 100% evidence |
| Exact sum: 17.1 + 12.7 + 4.7 + 8.7 = 43.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Nu Holdings Ltd.'s stock price today?
Nu Holdings Ltd. trades at $13.8, −14.6% over the past year. The company is valued at $67.0 B. The stock sits at 30% of its 52-week range of $12–$18, −7.4% versus its 200-day average. On the tape, the price is building a base, 2 weeks in. — as of 17 September 2026.
What were Nu Holdings Ltd.'s latest quarterly results?
Nu Holdings Ltd. reported total income of $2.5 B and net profit of $1.1 B for the Jun 26 quarter. Income rose 51.5% and profit rose 65.6% year on year. Earnings per share were $0.22. The net margin was 42.9%, 3.6 pp higher than a year earlier. — as of 17 September 2026.
What is Nu Holdings Ltd.'s revenue?
Nu Holdings Ltd. reported revenue of $2.5 B in the Jun 26 quarter, +51.5% year on year. For the full FY25 fiscal year, revenue was $7.0 B (+26.9%). Over the last 4 years revenue compounded at 69.3% a year. — as of 17 September 2026.
What is Nu Holdings Ltd.'s profit?
Nu Holdings Ltd. earned $1.1 B of net profit in the Jun 26 quarter, +65.6% year on year — the 10th straight quarter of growth. Full-year FY25 profit was $2.9 B. The net margin ran 42.9% in the latest quarter. — as of 17 September 2026.
What is Nu Holdings Ltd.'s market cap?
Nu Holdings Ltd.'s market capitalisation is $67.0 B at a stock price of $13.8. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 17 September 2026.
What is Nu Holdings Ltd.'s P/BV ratio?
Nu Holdings Ltd. trades at a P/BV of 5.0×, at the 27th percentile of its own 5-year range, against a long-run median of 6.7×. This is a comparison with the stock's own history, not a value call — as of 17 September 2026.
Does Nu Holdings Ltd. pay a dividend?
No — Nu Holdings Ltd. has declared no dividend per share in any of its last 12 reported quarters, so there is no payout history and no yield to quote. That is a reading of the filed statements, not an estimate. — as of 17 September 2026.
Is Nu Holdings Ltd. overvalued?
On its own history, Nu Holdings Ltd. looks cheap: its P/BV of 5.0× has been cheaper only 27% of the time in 5 years (long-run median 6.7×). That is a percentile read against the stock's own past, not a price opinion or a direction call. One caveat: the net margin is the best this company has ever printed — cheap on record margins is not the same thing as cheap. — as of 17 September 2026.
Is Nu Holdings Ltd. growing?
Yes — Nu Holdings Ltd. is growing: latest-quarter revenue +51.5% year on year, profit +65.6%, and the net margin +3.6 pp at 42.9%. The earnings engine currently reads: improving — as of 17 September 2026.
How is Nu Holdings Ltd. performing?
Nu Holdings Ltd. is building a base, 2 weeks in. Its latest quarter's income rose 51.5% and profit rose 65.6% year on year. Against the S&P 500 it has been ahead on a trailing-13-week view for 6 weeks. This describes what the data did, not a rating. — as of 17 September 2026.
What stage is Nu Holdings Ltd. in?
Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 27.2% and holding. The read comes from the last 12 quarters of growth (revenue growth +44.8% latest, profit growth +56.5% latest, eps growth +56.5% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 17 September 2026.
Is Nu Holdings Ltd. in an uptrend?
No — the price is building a base (week 2 of stage 1), trading −7.4% versus its 200-day average and at 30% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 17 September 2026.
Is Nu Holdings Ltd. beating the market?
On recent form, yes — Nu Holdings Ltd. has been ahead of the S&P 500 on a trailing-13-week view for 6 straight weeks, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 4.8 years the stock moved +17% against the S&P 500's +60% — behind the index over the full window. — as of 17 September 2026.
Will Nu Holdings Ltd.'s stock price go up?
This page publishes no price forecast for Nu Holdings Ltd. What it measures instead: the stock price is $13.8, the price is building a base 2 weeks in. Its P/BV of 5.0× sits at the 27th percentile of its own 5-year range. — as of 17 September 2026.
Is the market betting against Nu Holdings Ltd.?
Somewhat — short interest is 4.1% of Nu Holdings Ltd.'s tradable float, about 2.3 days to cover at typical volumes. A moderate reading: some money is positioned against it. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 17 September 2026.
Where is Nu Holdings Ltd. in its business cycle?
Nu Holdings Ltd.'s FY25 net margin was 41.1%, against a 5-year band of −20.0%–41.1%: the top of the band — a record year. Record profitability is late-cycle territory: every ratio flatters at the top, and the story leans on margins holding. The latest quarter ran 42.9%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 17 September 2026.
What could break the Nu Holdings Ltd. story?
The sharpest disagreement: annual EPS moved +44.9% against a −14.6% price move — the market has not yet caught up with the delivery. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 17 September 2026.
Is Nu Holdings Ltd. a stock worth studying right now?
This is not investment advice. The machine read: Nu Holdings Ltd. is coiled. The quarters are improving, yet the P/BV sits at the 27th percentile of its own 5-year range — the business is moving before the market. The sharpest open question: whether the price catches up with earnings that have already moved. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 17 September 2026.
Not SEBI Registered !! Not Investment advice !!