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NU
Nu Holdings Ltd.
NYSE· Financial Services· Banks - Regional· CUSIP G6683N103
$14.73-2.13%Price as of Oct 23, 00:41 UTC · updated once a day, after the close
At a glance
Nu Holdings Ltd. (NU) is listed on NYSE and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Sao Paulo, Brazil. The company is worth $71.16B and trades at 20.5x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $10.63B in fiscal 2025, up 28.5% from the year before. Net income was $2.87B. The share price is 22.4% below its 52-week high of $18.98. 12 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Baillie Gifford (Baillie Gifford & Co), at $3.07B. In that quarter, 4 of them opened or added to the position and 6 reduced it. Over the last 30 days, company insiders sold $375.36K of its stock on the open market and bought none. All of those sales were scheduled in advance under 10b5-1 plans.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Key metrics
- Market cap
- $71.16B
- P/E
- 20.5x
- Forward P/E
- 13.1x
- P/B
- 5.4x
- Dividend yield
- 0.00%
- Payout
- —
- EPS
- $0.72
- ROE
- 31.63%
- Profit margin
- 42.73%
- Revenue growth
- +52.10%
- Beta
- 0.95
- 52-week high
- $18.98
- 52-week low
- $11.20
History
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Investors holding this
Major managers that reported this stock in their latest 13F.
- Baillie GiffordReducedBaillie Gifford & Co · Q2 2026$3.07B229.93M shares · 2.8% of portfolio
- Stephen MandelAddedLone Pine Capital · Q2 2026$630.86M47.22M shares · 3.9% of portfolio
- Daniel SundheimAddedD1 Capital Partners · Q2 2026$593.43M44.42M shares · 1.7% of portfolio
- Lee AinslieAddedMaverick Capital · Q2 2026$474.98M35.55M shares · 4.3% of portfolio
- Philippe LaffontHeldCoatue Management · Q2 2026$391.9M29.33M shares · 0.8% of portfolio
- Chase ColemanHeldTiger Global Management · Q2 2026$147.39M11.03M shares · 0.6% of portfolio
- Steve CohenAddedPoint72 Asset Management · Q2 2026$39.06M2.92M shares · 0.1% of portfolio
- Renaissance TechnologiesReducedRenaissance Technologies · Q2 2026$37.78M2.83M shares · 0.1% of portfolio
- Two SigmaReducedTwo Sigma Investments · Q2 2026$18.22M1.36M shares · 0.0% of portfolio
- Cliff AsnessReducedAQR Capital Management · Q2 2026$15.77M1.2M shares · 0.0% of portfolio
Ken GriffinReducedCitadel Advisors · Q2 2026$13.38M1M shares · 0.0% of portfolio- Israel EnglanderReducedMillennium Management · Q2 2026$1.1M82.29K shares · 0.0% of portfolio
Price over time
▲ +55.2% over 5Y.
This stock has less than 5 years of price history — the answer would measure a shorter period than the one asked for.
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 4 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Year-end price | $16.74 | $10.36 | $8.33 | $4.07 | |
| P/E | 28.6x | 28.6x | 25.7x | 39.3x | — |
| P/S | 6.7x | 7.6x | 6.0x | 7.0x | 6.4x |
| P/B | 6.4x | 7.2x | 6.5x | 6.2x | 3.9x |
| EPS | $0.58 | $0.40 | $0.21 | -$0.08 | |
| Profit margin | 21.07% | 27.00% | 23.85% | 18.30% | -12.27% |
| ROE | 20.75% | 25.41% | 25.79% | 16.09% | -7.45% |
Median of the years shown; P/E years above 200x are left out.
Fair price, seven ways
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Earnings
$6.67
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings
$18.00
Earnings growing 25.0% a year plus a 0.0% dividend yield. Growth capped at 25%.
Earnings
$9.47
Median P/E of 13.2 among peers in the sector.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow
$26.17
Cash flow growing 15.0% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividends
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
How the average is calculated
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
Earnings $11.38 (avg. of 3)+Cash flow $26.17÷ 2 =$18.77
$18.77
4 methods answered, across 2 families.
$14.08
Room for errors in the reported numbers.
$14.73
+27.5% from the average.
Models, not forecasts, and not investment advice. How each formula works →
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| AJGArthur J. Gallagher & Co. | $270.98 | 44.9x | 2.9x | 1.03% | 6.72% | $69.46B |
| BCSBarclays PLC | $22.01 | 8.5x | 3.5x | 2.82% | 10.09% | $73.36B |
| APOApollo Global Management, Inc. | $114.83 | 41.2x | 3.4x | 1.96% | 11.41% | $67.81B |
| NWGNatWest Group plc | $16.99 | 8.5x | 1.3x | 5.53% | 14.78% | $67.27B |
| MFCManulife Financial Corp | $45.62 | 17.0x | 2.1x | 2.98% | 13.31% | $75.47B |
| BAMBrookfield Asset Management Ltd. | $47.64 | 27.4x | 10.1x | 4.22% | 26.77% | $76.09B |
About the company
- Sao Paulo, Brazil