US · NU
Nu Holdings Ltd.
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- São Paulo, SP 5409-0000
- Website
- nubank.com.br
Price · as of 2025-12-31
$14.44
Market cap 72.38B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $33.77 | +133.86% |
| Intrinsic Value(DCF) | $579.21 | +3,911.15% |
| Graham-Dodd Method(GD) | $5.22 | -63.85% |
| Graham Formula(GF) | $29.24 | +102.51% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $0.03 | $0.00 | |||
| 2020 | $0.00 | $0.00 | |||
| 2021 | $6.54 | $45.99 | $29,675.22 | $0.70 | $0.00 |
| 2022 | $4.49 | $49.97 | $478,540.39 | $0.57 | $0.00 |
| 2023 | $11.07 | $46.78 | $72,872.94 | $2.35 | $16.29 |
| 2024 | $10.81 | $42.26 | $2,961.67 | $3.57 | $20.98 |
| 2025 | $15.19 | $33.77 | $315.41 | $5.22 | $29.24 |
AI valuation
Our deep-learning model estimates Nu Holdings Ltd.'s (NU) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $33.77
- Current price
- $14.44
- AI upside
- +133.86%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$579.21
+3,911.15% upside
Graham-Dodd
$5.22
-63.85% upside
Graham Formula
$29.24
+102.51% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NU | Nu Holdings Ltd. | $14.44 | 72.38B | +134% | +3,911% | -64% | +103% | 25.59 | 6.50 | 4.62 | 24.39 | 56.86 | 7.14 | 44.85% | 24.36% | 18.07% | 30.30% | 28.60% | 4.59% | 3.34 | 0.84 | 0.40 | 0.40 | 6.81 | 4500.00% | 4299.00% | 28226.00% | 11.58% | 0.24 | 84.64% | 0.00% | 0.00% | 0.00% | 25.03 | 11.39 | 6.10 | 0.85 |
| BCS | Barclays PLC | $24.28 | 84.05B | +59% | -29% | +19% | — | 8.71 | 0.80 | 2.33 | -16.00 | 43.53 | 0.90 | 108.66% | 37.28% | 26.74% | 9.59% | -3.84% | 0.47% | 2.20 | 0.47 | 0.58 | 0.58 | -5.41 | 2000.00% | -4805.00% | -24569.00% | -12.93% | -0.01 | 3.93% | 3.54% | 30.80% | 68.70% | -17.44 | 21.61 | -6.50 | -0.11 |
| BMO | Bank of Montreal | $143.93 | 102.03B | +100% | -42% | -73% | -55% | 15.33 | 1.52 | 1.71 | 32.39 | 75.53 | 2.01 | 41.56% | 14.78% | 11.14% | 10.13% | 2.35% | 0.60% | 4.72 | 0.27 | 0.14 | 0.14 | 25.12 | 2029.00% | -52.00% | -6901.00% | 6.36% | 0.01 | 2.29% | 3.76% | 57.70% | 6.30% | 38.51 | 52.26 | 5.69 | -0.60 |
| BNS | The Bank of Nova Scotia | $75.75 | 94.39B | +216% | +13% | -78% | +787% | 16.20 | 1.45 | 1.72 | 43.06 | — | 1.78 | 44.25% | 14.36% | 10.64% | 9.17% | 2.05% | 0.54% | 5.80 | 0.29 | 0.12 | 0.12 | 36.16 | -290.00% | 14820.00% | -6663.00% | 4.03% | 0.01 | 1.34% | 4.68% | 75.70% | 5.39% | 49.63 | 103.08 | 7.13 | -0.59 |
| CM | Canadian Imperial Bank of… | $100.96 | 94.12B | +88% | -45% | -69% | -68% | 14.03 | 1.85 | 1.91 | 31.49 | 79.17 | 2.13 | 43.02% | 17.64% | 13.59% | 13.76% | 2.77% | 0.78% | 5.55 | 0.33 | 0.13 | 0.13 | 24.76 | 1772.00% | -314.00% | -34456.00% | -20.62% | -0.03 | -8.00% | 3.37% | 47.20% | 5.96% | 34.89 | -15.61 | 6.15 | -0.59 |
| ING | ING Groep N.V. | $28.77 | 83.22B | +114% | -32% | +11% | — | 11.31 | 1.44 | 3.11 | 14.71 | 39.70 | 1.48 | 94.34% | 39.71% | 27.47% | 12.65% | 6.01% | 0.61% | 3.41 | — | 0.13 | 0.13 | 12.73 | 2848.00% | -6531.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 14.71 | — | 5.84 | -0.72 |
| ITUB | Itaú Unibanco Holding S.A… | $9.05 | 99.79B | +131% | +61% | — | +112% | 11.94 | 2.57 | 1.37 | 26.68 | 300.88 | 2.91 | 34.49% | 13.07% | 11.66% | 21.17% | 5.41% | 1.48% | 4.95 | 0.23 | 0.77 | 0.00 | 17.57 | 397.00% | 1803.00% | -23064.00% | 24.42% | 0.14 | 15.12% | 9.02% | 107.70% | 9.59% | 30.60 | 11.99 | 4.00 | 0.20 |
| SMFG | Sumitomo Mitsui Financial… | $22.44 | 85.9B | -22% | -73% | +8% | +61% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| USB | U.S. Bancorp | $54.66 | 85B | +4% | -5% | +6% | -24% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About Nu Holdings Ltd.
Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.
- CEO
- David Velez-Osomo
- Employees
- 5.4K
- Beta
- 1.08
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($579.21 ÷ $14.44) − 1 = +3,911.15% (DCF, example).