NU - Nu Holdings Ltd.
Price:
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--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$20.48
DETAILS
HIGH:
$22.00
LOW:
$16.90
MEDIAN:
$21.50
CONSENSUS:
$20.48
UPSIDE:
59.00%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||
| Revenue | 15,878.6 | 11,104.5 | 7,669.1 | 4,519.1 | 1,512.5 | 575.0 | 469.2 | 253.4 |
| Cost of Revenue | 8,757.3 | 6,003.8 | 4,322.1 | 2,952.8 | 848.0 | 384.6 | 284.9 | 164.0 |
| Gross Profit | 7,121.3 | 5,100.6 | 3,347.0 | 1,566.3 | 664.6 | 190.4 | 184.4 | 89.3 |
| Operating Expenses | ||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 602.2 | 1,439.3 | 1,137.6 | 1,428.3 | 659.9 | 264.5 | 198.1 | 82.4 |
| Other Expenses | 2,647.0 | 866.1 | 670.3 | 446.9 | 174.9 | 119.1 | 115.6 | 40.4 |
| Operating Expenses | 3,249.2 | 2,305.4 | 1,807.9 | 1,875.2 | 834.7 | 383.6 | 313.7 | 122.7 |
| Operating Income | ||||||||
| Operating Income | 3,868.4 | 2,795.2 | 1,539.1 | (308.9) | (170.2) | (193.2) | (129.3) | (33.4) |
| Interest Expense | 4,578.7 | 2,834.9 | 2,036.9 | 1,547.9 | 367.3 | 215.1 | 109.7 | 45.4 |
| Interest Income | 12,028.3 | 9,631.0 | 6,439.7 | 3,555.2 | 1,046.7 | 382.9 | 337.9 | 161.6 |
| Profitability | ||||||||
| EBITDA | 3,970.1 | 2,872.3 | 1,602.0 | 35,272.1 | (152.8) | (185.8) | (124.2) | (32.3) |
| EBIT | 3,872.1 | 2,795.2 | 1,539.1 | (308.9) | (170.2) | (193.2) | (129.3) | (33.4) |
| Income Before Tax | 3,872.1 | 2,795.2 | 1,539.1 | (308.9) | (170.2) | (193.2) | (129.3) | (33.4) |
| Income Tax Expense | 996.7 | 823.1 | 508.5 | 55.7 | (4.8) | (21.7) | (36.8) | (4.8) |
| Net Income | 2,868.9 | 1,972.1 | 1,030.5 | (364.6) | (165.0) | (171.5) | (92.5) | (28.6) |
| Per Share Data | ||||||||
| EPS (Basic) | 0.59 | 0.41 | 0.22 | -0.08 | -0.04 | -0.04 | -0.02 | -0.01 |
| EPS (Diluted) | 0.58 | 0.40 | 0.21 | -0.08 | -0.04 | -0.04 | -0.02 | -0.01 |
| Shares Outstanding | 4,832.9 | 4,792.1 | 4,738.8 | 4,677.0 | 4,610.0 | 4,608.7 | 4,608.7 | 4,608.7 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||
| Cash & Cash Equivalents | 15,003.6 | 13,637.3 | 13,370.9 | 6,890.8 | 2,528.5 | 603.3 | 439.9 | 201.7 |
| Short-Term Investments | 1,140.7 | 9,512.2 | 8,652.5 | 9,947.1 | 8,163.4 | 1,784.0 | 806.7 | 177.6 |
| Net Receivables | 19,268.6 | 13,891.5 | 14,531.9 | 9,000.8 | 4,902.7 | 2,940.6 | 2,786.5 | 1,623.8 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 22.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 35,435.1 | 37,194.1 | 36,733.4 | 25,923.1 | 15,634.6 | 5,346.4 | 4,045.1 | 2,010.0 |
| Non-Current Assets | ||||||||
| Property, Plant & Equipment | 27.6 | 46.2 | 69.8 | 46.5 | 20.5 | 20.5 | 25.9 | 6.7 |
| Goodwill | 409.4 | 414.3 | 397.5 | 397.4 | 401.9 | 0.8 | 0 | 0 |
| Intangible Assets | 601.7 | 347.6 | 295.9 | 182.2 | 72.3 | 12.4 | 1.1 | 0.5 |
| Long-Term Investments | 22,348.2 | 7,125.5 | 3,827.9 | 2,285.0 | 2,130.6 | 4,511.1 | 2,380.1 | 599.1 |
| Other Non-Current Assets | 13,560.9 | 2,985.1 | 483.0 | 289.7 | 1,238.0 | 137.9 | 213.7 | 114.3 |
| Total Non-Current Assets | 39,458.7 | 12,737.1 | 6,611.8 | 4,011.8 | 4,224.1 | 4,807.8 | 2,715.0 | 775.8 |
| Total Assets | 74,893.9 | 49,931.2 | 43,345.2 | 29,934.9 | 19,858.7 | 10,154.2 | 6,760.0 | 2,785.8 |
| Current Liabilities | ||||||||
| Account Payables | 13,633.9 | 9,333.5 | 9,755.3 | 7,054.8 | 4,882.2 | 3,331.3 | 2,976.5 | 1,675.9 |
| Short-Term Debt | 2,525.4 | 531.5 | 324.0 | 235.6 | 3.0 | 0 | 1,471.1 | 17.3 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 43,415.2 | 28,855.1 | 23,695.1 | 15,820.0 | 9,679.4 | 5,928.7 | 1,244.2 | 611.4 |
| Total Current Liabilities | 59,811.1 | 38,900.3 | 33,941.3 | 23,201.0 | 14,662.5 | 9,285.9 | 5,703.0 | 2,310.0 |
| Non-Current Liabilities | ||||||||
| Long-Term Debt | 2,656.6 | 328.9 | 806.7 | 547.2 | 157.3 | 177.2 | 303.3 | 115.4 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 41.1 | 29.3 | 8.7 | 0.7 | 0.0 |
| Other Non-Current Liabilities | 997.8 | 2,752.8 | 1,866.1 | 1,111.9 | 528.8 | 206.4 | 100.9 | 52.8 |
| Total Non-Current Liabilities | 3,761.2 | 3,383.9 | 2,997.5 | 1,843.1 | 753.7 | 430.3 | 444.8 | 179.1 |
| Total Liabilities | 63,572.3 | 42,284.1 | 36,938.8 | 25,044.1 | 15,416.1 | 9,716.1 | 6,147.8 | 2,489.1 |
| Stockholders' Equity | ||||||||
| Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | 6,412.7 | 3,420.6 | 1,276.9 | 64.6 | (128.4) | (102.4) | 28.2 | (58.0) |
| Accumulated Other Comprehensive Income | (184.3) | (828.2) | 156.4 | (137.7) | (109.2) | (97.5) | (47.2) | (34.7) |
| Total Stockholders' Equity | 11,290.9 | 7,646.3 | 6,406.4 | 4,890.8 | 4,441.0 | 438.1 | 612.3 | 296.7 |
| Total Liabilities & Equity | 74,893.9 | 49,931.2 | 43,345.2 | 29,934.9 | 19,858.7 | 10,154.2 | 6,760.0 | 2,785.8 |
| Debt Metrics | ||||||||
| Total Debt | 5,211.2 | 886.5 | 1,167.7 | 803.2 | 167.9 | 189.2 | 322.0 | 115.4 |
| Net Debt | (9,792.4) | (12,750.7) | (12,203.2) | (6,087.7) | (2,360.6) | (414.1) | (117.9) | (86.2) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | 2,868.9 | 1,972.1 | 1,030.5 | (364.6) | (165.3) | (171.5) | (92.5) | (28.6) |
| Depreciation & Amortization | 98.0 | 77.1 | 62.9 | 35.6 | 17.3 | 7.4 | 5.1 | 1.1 |
| Stock-Based Compensation | 271.8 | 272.4 | 212.6 | 253.2 | 157.3 | 35.6 | 18.5 | 9.3 |
| Change in Working Capital | (6,070.3) | (7,391.3) | (4,705.4) | (1,850.7) | (3,720.0) | 622.1 | 183.7 | (120.3) |
| Other Non-Cash Items | 6,759.3 | 8,182.1 | 5,341.3 | 3,099.8 | 1,011.0 | 524.9 | 201.8 | 152.1 |
| Operating Cash Flow | 3,500.5 | 2,399.0 | 1,266.2 | 755.6 | (2,924.3) | 974.5 | 276.1 | (5.4) |
| Investing Activities | ||||||||
| Capital Expenditure | (7.2) | (175.0) | (177.0) | (114.3) | (28.5) | (8.0) | (4.7) | (6.4) |
| Acquisitions | (1.5) | (5.6) | 0 | (10.3) | (114.5) | (8.3) | 0 | 0 |
| Purchases of Investments | (4,812.9) | (150) | 0 | (2.5) | (11.2) | 0 | 0 | 0 |
| Sales/Maturities of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 4,812.9 | (169.6) | (156.8) | (94.3) | (22.5) | (4.9) | (2.3) | (0.5) |
| Investing Cash Flow | (342.3) | (330.6) | (177.0) | (127.2) | (154.2) | (16.3) | (4.7) | (6.4) |
| Financing Activities | ||||||||
| Net Debt Issuance | 2,290.7 | 722.2 | 416.1 | 405.5 | (15.0) | (66.7) | 209.1 | 10.2 |
| Stock Repurchased | 0 | 0 | 0 | 0 | (4.6) | (0.0) | (3.8) | (0.7) |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | (6.7) | 0 | 9.1 | 0.5 | (35.3) | 6.8 | 5.8 | 0.3 |
| Financing Cash Flow | 2,290.2 | 727.7 | 425.2 | 654.0 | 3,336.0 | 240.1 | 611.2 | 253.4 |
| Cash Position | ||||||||
| Net Change in Cash | 5,448.4 | 3,262.3 | 1,751.1 | 1,466.6 | 361.9 | 1,097.2 | 867.4 | 177.2 |
| Cash at Beginning | 9,185.7 | 5,923.4 | 4,172.3 | 2,705.7 | 2,343.8 | 1,246.6 | 379.2 | 202.0 |
| Cash at End | 14,634.1 | 9,185.7 | 5,923.4 | 4,172.3 | 2,705.7 | 2,343.8 | 1,246.6 | 379.2 |
| Free Cash Flow | 3,493.2 | 2,224.1 | 1,089.2 | 641.3 | (2,952.8) | 966.5 | 271.5 | (11.8) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 15,878.6 | 11,104.5 | 7,669.1 | 4,519.1 | 1,512.5 | 575.0 | 469.2 | 253.4 |
| Gross Profit | 7,121.3 | 5,100.6 | 3,347.0 | 1,566.3 | 664.6 | 190.4 | 184.4 | 89.3 |
| Operating Income | 3,868.4 | 2,795.2 | 1,539.1 | (308.9) | (170.2) | (193.2) | (129.3) | (33.4) |
| Net Income | 2,868.9 | 1,972.1 | 1,030.5 | (364.6) | (165.0) | (171.5) | (92.5) | (28.6) |
| EPS (Diluted) | 0.58 | 0.40 | 0.21 | -0.08 | -0.04 | -0.04 | -0.02 | -0.01 |
| Balance Sheet | ||||||||
| Cash & Equivalents | 15,003.6 | 13,637.3 | 13,370.9 | 6,890.8 | 2,528.5 | 603.3 | 439.9 | 201.7 |
| Total Assets | 74,893.9 | 49,931.2 | 43,345.2 | 29,934.9 | 19,858.7 | 10,154.2 | 6,760.0 | 2,785.8 |
| Total Debt | 5,211.2 | 886.5 | 1,167.7 | 803.2 | 167.9 | 189.2 | 322.0 | 115.4 |
| Stockholders' Equity | 11,290.9 | 7,646.3 | 6,406.4 | 4,890.8 | 4,441.0 | 438.1 | 612.3 | 296.7 |
| Cash Flow | ||||||||
| Operating Cash Flow | 3,500.5 | 2,399.0 | 1,266.2 | 755.6 | (2,924.3) | 974.5 | 276.1 | (5.4) |
| Capital Expenditure | (7.2) | (175.0) | (177.0) | (114.3) | (28.5) | (8.0) | (4.7) | (6.4) |
| Free Cash Flow | 3,493.2 | 2,224.1 | 1,089.2 | 641.3 | (2,952.8) | 966.5 | 271.5 | (11.8) |