Profitability
Weight: 25%
A+
100
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 28.8%
- Efficiency Ratio Trend -8.83 pp/yr
NU
Nu Holdings Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
C+
58
- 5yr Avg ROE 11.2%
- 5yr Share-Count CAGR 1.3%
Growth Quality
Weight: 15%
A+
100
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 94.2%
- Efficiency Ratio Trend (growth quality check) -8.83 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.29
Balance Sheet
Weight: 20%
A+
95
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 15.1%
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.47
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 3
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 1 new buy; 2 added; 1 trimmed; 1 full exit.
- Holders
- 5 +1
- Avg Δ position
- +44.2%
- New buys
- 1
- Full exits
- 1
- Greenblatt new
- Druckenmiller sold -100%
- Wood increased +236%