Nu Holdings Financials

NU Stock  USD 13.53  0.41  2.94%   
Based on the key indicators related to Nu Holdings' liquidity, profitability, solvency, and operating efficiency, Nu Holdings is performing exceptionally good at this time. It has a great probability to report excellent financial results in December. At this time, Nu Holdings' Net Receivables is comparatively stable compared to the past year. Liabilities And Stockholders Equity is likely to gain to about 45.5 B in 2024, whereas Total Current Liabilities is likely to drop slightly above 158.5 M in 2024. Key indicators impacting Nu Holdings' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.150.16
Notably Down
Pretty Stable
Current Ratio75.8252.97
Way Up
Pretty Stable
The essential information of the day-to-day investment outlook for Nu Holdings includes many different criteria found on its balance sheet. An individual investor should monitor Nu Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Nu Holdings.

Cash And Equivalents

1.01 Million

  
Understanding current and past Nu Holdings Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Nu Holdings' financial statements are interrelated, with each one affecting the others. For example, an increase in Nu Holdings' assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Nu Holdings' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Nu Holdings. Check Nu Holdings' Beneish M Score to see the likelihood of Nu Holdings' management manipulating its earnings.

Nu Holdings Stock Summary

Nu Holdings competes with JPMorgan Chase, Citigroup, Wells Fargo, Toronto Dominion, and Bank of America. Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil. Nu Holdings is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINKYG6683N1034
CUSIPG6683N103
LocationBrazil
Business AddressRua Capote Valente,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.nubank.com.br
Phone800 592 2000
CurrencyUSD - US Dollar

Nu Holdings Key Financial Ratios

Nu Holdings Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets6.8B10.2B19.9B29.9B43.3B45.5B
Other Current Liab(3.0B)(3.3B)(38.3M)90.6M(11.2B)(10.6B)
Other Liab108.3M127.4M251.3M719.2M827.1M868.4M
Net Tangible Assets611.1M424.9M4.0B4.3B5.0B5.2B
Net Debt(1.1B)(2.3B)(2.4B)(3.6B)(4.9B)(4.7B)
Retained Earnings28.2M(102.4M)(128.4M)(701.1M)329.5M345.9M
Accounts Payable3.0B3.3B4.9B7.1B9.8B5.4B
Cash1.4B2.5B2.5B4.2B5.9B3.1B
Other Assets220.4M423.4M3.0B25.1B(9.4B)(8.9B)
Long Term Debt303.3M177.2M157.3M585.6M1.0B1.1B
Net Receivables2.8B2.9B4.9B9.0B14.5B15.3B
Long Term Debt Total322.0M517.6M164.9M567.6M652.7M371.3M
Capital Surpluse631.2M638.0M4.7B5.0B5.7B6.0B
Inventory4.3B7.2B12.8B6.1B(269.7M)(256.2M)
Other Current Assets(4.3B)(7.2B)(12.8B)(17.9B)(14.3B)(15.0B)
Total Liab6.1B9.7B15.4B25.0B36.9B38.8B
Net Invested Capital915.6M615.3M4.6B5.5B7.5B7.9B
Total Current Assets4.2B5.4B7.4B4.2B5.9B5.3B
Cash And Equivalents15.4M9.3M2.8M1.2M1.1M1.0M
Short Term Debt101.5M136.6M7.6M20.4M113.6M134.5M
Intangible Assets1.1M12.4M72.3M182.2M295.9M310.7M

Nu Holdings Key Income Statement Accounts

The reason investors look at the income statement is to determine what Nu Holdings' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Tax Provision(36.8M)(21.7M)(4.8M)55.7M385.4M404.6M
Net Interest Income228.2M167.8M679.4M2.0B3.7B3.9B
Interest Income337.9M382.9M1.0B3.6B5.6B5.9B
Interest Expense109.7M215.1M367.3M1.5B2.0B2.1B
Total Revenue359.5M737.1M1.7B4.8B3.7B2.1B
Gross Profit165.4M496.4M1.2B3.1B3.3B3.5B
Operating Income(129.3M)(92.0M)(170.2M)(308.9M)2.0B2.1B
Ebit(129.3M)21.9M197.5M1.2B1.5B1.6B
Ebitda(124.2M)29.3M214.9M1.3B1.6B1.7B
Cost Of Revenue194.1M240.7M484.5M1.7B390.4M572.6M
Income Before Tax(129.3M)(193.2M)(170.2M)(308.9M)1.5B1.6B
Net Income(92.5M)(171.5M)(165.3M)(364.6M)1.0B1.1B
Income Tax Expense(36.8M)(21.7M)(4.8M)55.7M508.5M534.0M

Nu Holdings Key Cash Accounts

201920202021202220232024 (projected)
Change To Inventory(166.5M)(47.7M)(2.1B)(2.8B)(2.5B)(2.4B)
Investments(4.7M)(16.3M)(11.2M)(127.2M)(173.8M)(165.1M)
Change In Cash867.4M1.1B361.9M1.5B1.8B1.0B
Net Borrowings209.1M(66.7M)(15.0M)405.5M466.3M489.7M
Free Cash Flow271.5M969.2M(3.0B)641.3M8.5B8.9B
Depreciation5.1M7.4M17.3M35.6M62.9M66.0M
Other Non Cash Items201.8M261.9M1.0B3.1B(2.1B)(2.0B)
Capital Expenditures4.7M8.0M28.5M114.3M177.0M185.9M
Net Income(92.5M)(171.5M)(165.3M)(364.6M)1.0B1.1B
End Period Cash Flow1.2B2.3B2.7B4.2B5.9B3.1B
Change To Netincome179.9M256.1M943.3M2.9B3.4B3.5B

Nu Holdings Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Nu Holdings's current stock value. Our valuation model uses many indicators to compare Nu Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Nu Holdings competition to find correlations between indicators driving Nu Holdings's intrinsic value. More Info.
Nu Holdings is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about  0.16  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Nu Holdings is roughly  6.23 . At this time, Nu Holdings' Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Nu Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Nu Holdings Systematic Risk

Nu Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Nu Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Nu Holdings correlated with the market. If Beta is less than 0 Nu Holdings generally moves in the opposite direction as compared to the market. If Nu Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Nu Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Nu Holdings is generally in the same direction as the market. If Beta > 1 Nu Holdings moves generally in the same direction as, but more than the movement of the benchmark.

Nu Holdings Thematic Clasifications

Nu Holdings is part of several thematic ideas from Banking to Hedge Favorites. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Nu Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Nu Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Nu Holdings growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0952)

At this time, Nu Holdings' Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Nu Holdings November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Nu Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Nu Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of Nu Holdings based on widely used predictive technical indicators. In general, we focus on analyzing Nu Holdings Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Nu Holdings's daily price indicators and compare them against related drivers.

Additional Tools for Nu Holdings Stock Analysis

When running Nu Holdings' price analysis, check to measure Nu Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Nu Holdings is operating at the current time. Most of Nu Holdings' value examination focuses on studying past and present price action to predict the probability of Nu Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Nu Holdings' price. Additionally, you may evaluate how the addition of Nu Holdings to your portfolios can decrease your overall portfolio volatility.