NU

Nu Holdings Ltd

NU.US nubank.com.br + Research + Basket
CIK 0001691493
ISIN KYG6683N1034
Employees 0
Fiscal year end December
IPO Dec 09, 2021
Address Rua Capote Valente, 39, Sao Paulo, SP, Brazil, 05409-000
11.63
-0.43 (-3.53%)
USD · NYSE
52-week range
11.20
18.98
Trading at 5% of the 52-week range
Market Cap
57.82B
P/E Ratio
16.40
Forward P/E
13.00
Book Value
2.74
Div. Yield
N/A
% Institutions
82.54%
% Insiders
2.06%

1 Year

-25.1%

3 Year

+49.1%

10 Year

+16.7%
Description

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 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. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is based in Sao Paulo, Brazil.

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People

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Directors & Officers

Name Title Year Born
Mr. David Velez-Osomo Founder, Chairman & CEO NA
Mr. Roberto de Oliveira Campos Neto Executive Vice-Chairman and Global Head of Public Policy 1969
Mr. Rob Livingston Chief Financial Officer NA
Mr. Eric Cristhopher Young Chief Technology Officer 1977
Mr. Guilherme Souto Investor Relations Officer & Director of Market Intelligence NA
Ms. Sarah K. Wilson Chief Legal Officer NA
Ms. Suzana Kubric Chief of Human Resources Officer 1980
Ms. Cristina Helena Zingaretti Junqueira Chief Growth Officer & CEO of US 1983
Mr. Henrique Camossa Saldanha Fragelli Chief Risk Officer 1978
Ms. Livia Martines Chanes Chief Executive Officer of Latin America 1983

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Mar 23, 2026 Cristina Helena Zing Junqueira N/A Sale 300.00K $14.81 $4.44M SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 355.01M Jun 30, 2026 7.35% $0.07 4.44%
Baillie Gifford & Co Limited. 229.93M Jun 30, 2026 4.76% $2.79 -6.75%
Capital Research Global Investors 142.76M Jun 30, 2026 2.96% $0.27 11.13%
Morgan Stanley - Brokerage Accounts 117.97M Jun 30, 2026 2.44% $0.08 -16.71%
JPMorgan Chase & Co 99.96M Jun 30, 2026 2.07% $0.07 9.37%
State Street Corp 96.81M Jun 30, 2026 2.00% $0.04 4.07%
FMR Inc 75.61M Jun 30, 2026 1.57% $0.04 3.27%
WCM Investment Management 74.45M Jun 30, 2026 1.54% $1.77 2.21%
Lone Pine Capital LLC 47.22M Jun 30, 2026 0.98% $3.86 24.23%
NORGES BANK 46.29M Jun 30, 2026 0.96% $0.06 1.45%
D1 Capital Partners L.P. 44.42M Jun 30, 2026 0.92% $1.71 71.56%
Technology Crossover Management X, Ltd. 42.57M Jun 30, 2026 0.88% $71.53 0.00%
Bank of America Corp 40.30M Jun 30, 2026 0.83% $0.03 -12.33%
Kontiki Capital Management (HK) Ltd. 39.03M Jun 30, 2026 0.81% $34.20 19.57%
Ribbit Management Company, LLC 38.99M Jun 30, 2026 0.81% $25.38 32.26%
LARCH CAPITAL PARTNERS LLC 35.78M Jun 30, 2026 0.74% $68.34 0.08%
Maverick Capital Ltd 35.55M Jun 30, 2026 0.74% $4.20 58.40%
Assenagon Asset Management SA 33.72M Jun 30, 2026 0.70% $0.28 3.63%
Legal & General Group PLC 32.38M Jun 30, 2026 0.67% $0.09 7.38%
The Goldman Sachs Group Inc 30.38M Jun 30, 2026 0.63% $0.04 -9.95%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares MSCI Brazil ETF 55.24M 1.14% ▲ 0.52% Sep 30, 2026
2 Vanguard International Growth Inv 45.18M 0.94% ▼ 30.45% Jun 30, 2026
3 iShares Core MSCI Emerging Markets ETF 41.50M 0.86% ▼ 0.09% Sep 30, 2026
4 American Funds Growth Fd of Amer A 40.50M 0.84% ▲ 102.30% Sep 30, 2026
5 American Funds New World A 37.04M 0.77% ▼ 9.82% Sep 30, 2026
6 American Funds Cptl Wld Gr&Inc A 35.47M 0.73% ▲ 3.37% Sep 30, 2026
7 iShares MSCI Brazil ETF (DE) 34.35M 0.71% ▼ 0.69% Sep 30, 2026
8 American Funds EUPAC A 30.05M 0.62% ▲ 10.35% Sep 30, 2026
9 WCM Focused International Growth Instl 25.10M 0.52% ▼ 3.56% Sep 30, 2026
10 iShares Latin America 40 ETF 22.71M 0.47% ▲ 0.00% Sep 30, 2026

Financial Highlights

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Market Cap: $57.82B
P/E Ratio: $16.40
PEG Ratio: $0.55
Book Value: $2.74
Earnings/Share: $0.73
Profit Margin: 42.73%
Operating Margin: 50.15%
ROA (TTM): 4.96%
ROE (TTM): 31.63%
Revenue (TTM): $8.44B
Revenue/Share (TTM): $1.74
Earnings Growth (YOY): 66.30%
Revenue Growth (YOY): 52.10%

Valuation Metrics

Enterprise Value: $48.55B
Trailing P/E: 16.40
Forward P/E: 13.00

Shares Statistics

Shares Outstanding: 3.81B
Shares Float: 3.71B
% Insiders: 2.06%
% Institutions: 82.54%
Shares Short: 139.67M
Shares Short (Prior Month): 131.67M
Short Ratio: 1.65
Short % Float: 3.71%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$15.88B
Cost of Goods Sold
adjust
$-8.76B
Gross Profit
subtotal
$7.12B
SG&A
adjust
$-602.21M
Other Operating Expense
adjust
$-2.65B
Operating Income
subtotal
$3.87B
Other / Non-Operating Items
adjust
$-999.53M
Net Income
subtotal
$2.87B

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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