Profitability
Weight: 25%
A
92
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.4%
- Operating Margin Trend +10.32 pp/yr
NU
Nu Holdings Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
58
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.4%
- 5yr Share-Count CAGR 1.6%
Growth Quality
Weight: 10%
A
92
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 16.7%
- 5yr EPS CAGR 66.2%
- Positive-EPS Years (5) 3/5
Cash Generation
Weight: 5%
A+
97
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.22x
Balance Sheet
Weight: 30%
B
70
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 15.1%
- Interest Coverage (EBIT/Int) 0.85x
Stability
Weight: 10%
C+
57
- EPS Volatility (σ/μ) 0.47
- Piotroski F-Score 5
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 1 trimmed; 1 full exit.
- Holders
- 4
- Avg Δ position
- +28.0%
- New buys
- 0
- Full exits
- 1
- Druckenmiller sold -100%
- Cooperman increased +126%
- Wood decreased -42%