NU
Nu Holdings Ltd
NYSE: NU · FINANCIAL SERVICES · BANKS - REGIONAL
$14.49
+3.21% today
Updated 2026-07-30
Market cap
$70.91B
P/E ratio
22.58
P/S ratio
9.34x
EPS (TTM)
$0.65
Dividend yield
—
52W range
$11 – $19
Volume
78.5M
WallStSmart proprietary scores
79
out of 100
Grade: B+
Buy
Investment rating
10.0
Growth
A+4.5
Quality
C9.0
Profitability
A+6.3
Valuation
B2/9
Piotroski F-Score
Weak
0.2
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$17.84
+23.12%
12-Month target
$14.28
-1.45%
Intrinsic (DCF)
—
Margin of safety
—
6 Strong Buy13 Buy2 Hold0 Sell1 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 41.90% — above average
+ ROE 25.29% — strong efficiency
+ Revenue growth 43.70% QoQ
+ Debt/equity 0.25x — low leverage
Risks
- Piotroski 2/9 — weak financial health
- Altman Z 0.22 — distress zone
- Negative free cash flow $-1.29B
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM | 2026 (E) |
|---|---|---|---|---|---|---|
| Revenue | $4.79B | $7.67B | $11.10B | $15.88B | $7.59B | $20.1B |
| Net income | $-364.63M | $1.03B | $1.97B | $2.87B | $872.06M | — |
| EPS | — | — | — | — | $0.65 | $0.92 |
| Free cash flow | $641.27M | $1.09B | $2.22B | $3.49B | $-1.29B | — |
| Profit margin | -7.61% | 13.44% | 17.76% | 18.07% | 41.90% | — |
Peer comparison
Smart narrative
Nu Holdings Ltd trades at $14.49. representing a P/E of 22.58x trailing earnings. Our Smart Value Score of 79/100 indicates the stock is good. The company scores 2/9 on the Piotroski F-Score. With an Altman Z-Score of 0.22, it sits in the distress. TTM revenue stands at $7.59B. with profit margins at 41.90%.
Frequently asked questions
What is Nu Holdings Ltd's stock price?
Nu Holdings Ltd (NU) trades at $14.49, on a P/E of 22.6x and a P/S of 9.3x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Nu Holdings Ltd overvalued?
Nu Holdings Ltd carries a Smart Value Score of 79/100 (Grade B+), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Nu Holdings Ltd (NU)?
The 12-month analyst consensus target is $17.84, about 23.1% above the current $14.49. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of NU by 2030?
Our research-backed model puts the 2030 base case at $103.30, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is Nu Holdings Ltd's revenue?
Nu Holdings Ltd's trailing twelve-month revenue is $7.59B, and our model projects it reaching about $41.85B by 2030. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Nu Holdings Ltd's Altman Z-Score is 0.22, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio9.34x
ROE25.29%
Beta0.95
50D MA$13.06
200D MA$15.13
Shares out3.81B
Float3.75B
Short ratio—
Avg volume78.5M
Performance
1 week+3.45%
1 month+9.88%
3 months+1.38%
YTD-12.31%
1 year+16.32%
3 years—
5 years—