Nu Holdings Ltd.
NUFinancial ServicesNASDAQBanks - Regional
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Daily timeframeNu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. Valued at $58.00B, NU is a large-cap name in its sector. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers.
Market Cap
$58.00B
Beta
1.01
P/E (TTM)
18.35
P/E (Fwd)
10.26
EPS (TTM)
$0.65
EPS (Fwd)
$1.16
ROE
30.1%
ROA
4.8%
Cash
$15.91B
Total Debt
$6.15B
Free CF
—
52W Change
-0.1%
Annual Financials
Cash vs Debt
Nu Holdings Ltd. holds $15.91B in cash against $6.15B in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 30.1% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 4.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $1.15B (2021) to $10.63B (2025), reflecting a 828% increase over the period.
With cash comfortably exceeding debt, NU has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing NU's risk profile alongside its fundamentals and technical indicators provides a more complete picture.