Valuation dashboard for Nu Holdings Ltd. (NU) with P/E 15.69, P/B 4.26, EV/EBITDA 17.4 and dividend yield 0.00%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. 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 m...
Where would it trade at its usual multiples?
Versus its usual multiples: expensive · Current P/B 4.3× · Multiples range: $2.70 · $5.81.
At a P/B Kaplio accepts for its ROTCE mediano de cinco años 18.0% (2.1×) $6 (-50%); at its peers' median (1.0×) $3 (-77%). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
Nu Holdings Ltd. reported revenue of $11.30B in the most recent fiscal year, growing at a 5-year CAGR of 99.2%.
Trailing-twelve-month margins: gross margin 44.0%, operating margin 22.6%, net margin 18.6%.
At $11.61 (closing price, November 3, 2026), NU trades at a P/E of 15.69 and an ROE of 30.26%. Market capitalisation stands at $56.1B, placing it among large-cap names.
Balance sheet quality for NU: debt-to-equity ratio of 3.17, current ratio of 0.25 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 15.69 |
| Price / Book | 4.26 |
| Dividend Yield | 0.00% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| NU | Nu Holdings Ltd. | $56.1B | 15.69 | 4.26 | 30.3% |
| SOFI | SoFi Technologies, Inc. | $21.7B | 30.49 | 1.94 | 6.8% |
| MELI | MercadoLibre, Inc. | $84.3B | 45.23 | 10.76 | 26.5% |
| AFRM | Affirm Holdings, Inc. | $21.5B | 13.04 | 4.45 | 47.9% |
| 0O84.L | DNB Bank ASA | NOK 478.2B | 11.51 | 1.72 | 14.5% |
| HDB | HDFC Bank Limited | $118.2B | 14.08 | 1.86 | 13.5% |
| MFG | Mizuho Financial Group, Inc. | $116.8B | 13.46 | 1.60 | 12.3% |
| IBN | ICICI Bank Limited | $107.9B | 17.28 | 2.62 | 15.9% |
Price
| Price | $11.61 (closing price, November 3, 2026) |
| Market Cap | $56.1B |
| Exchange | NYSE |
| Country | BR |
Profitability
| Return on Equity | 30.26% |
| Return on Assets | 4.36% |
| Gross Margin | 44.03% |
| Operating Margin | 22.62% |
| Net Margin | 18.61% |
Related companies: SOFI · MELI · AFRM · 0O84.L · HDB · MFG · IBN · SBID.L
Explore sector: Financial Services · Banks - Regional
More sections of NU: Overview · Financials · Estimates · Technical · Ownership
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