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Nu Holdings Ltd (NU) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Nu Holdings Ltd $5.42, price $13.62, upside -60.2%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · ISIN KYG6683N1034

NH Nu Holdings Ltd logo Broad data Sep 23, 2026

Nu Holdings Ltd

NU · US

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value $5.42 · Strongly overvalued (−60%)
!Quality 57/100
✓Healthy Growth (revenue 5y +84.8 %/yr)
✓Highly profitable · 41.9% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (8/14)
✓Wide moat 88/100
!Insider activity 46/100
!The models disagree: range $4.00 to $21.68
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$18.76 $3.31 Fair Value $5.42 Dec 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

57‑month range $3.31 – $18.76 · fair‑value band $4.00 – $21.68 · the $13.62 price screens above the $5.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.

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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 headquartered in São Paulo, Brazil.

Stock analysis

Nu Holdings Ltd (NU) currently trades at $13.62, while our model-based Fair Value estimate is $5.42, implying the stock looks roughly 151.3% overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $5.48 per share, and 0 of the 4 models we run sit above the $13.62 price.

Bear case: the Asset-Based group reads lowest at $1.54, and 4 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: $4.00 (bear) to $21.68 (bull), the price of $13.62 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Nu Holdings Ltd reported revenue of $15.9B in FY2025 versus $1.7B in FY2021, a compound +74.9%/yr. Reported net income was $2.9B in FY2025.

Key figures

Market cap $66.8B · P/E ratio 19.6 · P/S ratio 3.53 · EPS (TTM) $0.6500 · Net margin 18.1% · Return on equity 30.1% · Return on assets (EBIT) 2.5% · Operating margin 48.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 27% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −60%, NU screens richer than that median.

Fair Value models

Bear $4.00 Fair Value $5.42 Bull $21.68
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4755 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
P/E Multiple $5.70 $7.60 $9.50 61
Residual Income $4.05 $5.48 $34.13 55
P/B Multiple $2.42 $3.22 $4.03 53
All 4 models by family
Multiples
P/E Multiple $5.70 $7.60 $9.50 61
P/B Multiple $2.42 $3.22 $4.03 53
Asset-Based
NCAV (Graham) $1.15 $1.54 $2.30 52
Economic Profit
Residual Income $4.05 $5.48 $34.13 55

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Quality Score breakdown

Overall quality 57/100

Of which business quality 60 · Market factors (momentum, volatility) 40

Profitability 45
Margins and returns on capital today
Quality Growth 55
Are margins and returns improving?
Cashflow 79
Earnings quality: real cash, not paper profit
Fin. Strength 67
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 56
Calm price path (market factor)
Momentum 39
Price trend over the last 3–12 months (market factor)
52W Momentum 22
Distance to the 52-week high (market factor)
Net Issuance 72
Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+43.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+49.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+84.8%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+80.6%
What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+66.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+66.0%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−13% → 24%
2025 sits 90% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
⚠ Revenue per share shrinking 1.7%/yr over ~5Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+2.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+21.8%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +0.5% a year for the price and +19.0% for the forecasts.
Forecast 2026 (sales)+40.7%
Forecast 2027 (sales)+21.1%
Projected 2028 (sales)+18.8%
Projected 2029 (sales)+16.4%
Projected 2030 (sales)+14.0%

NU screens 151% overvalued. Compare with DBS Group →

Recent news

News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside −62% · Bottom 25%
Profitability
Return on equity (TTM) 30% · Top 25%
Return on assets 5% · Top 25%
Net margin (TTM) 42% · Top 25%
Operating margin (TTM) 48% · Above median
Growth and dividend
Revenue growth 44% · Top 25%
Balance sheet
Debt / equity 0.02× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 19.6× · Priciest 25%
P/B 6.15× · Priciest 25%
P/S (TTM) 9.15× · Priciest 25%
P/FCF 19.9× · Priciest 25%
EV/EBITDA 13.8× · Pricier than median
PEG 0.75× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 12
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)100 · sector 41
HEALTH (low debt)99 · sector 85
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Nu Holdings Ltd · Fair Value
$5.42 −151%Fair Value
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Cite: Fair Value Calculator (2026). "Nu Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/NU

Frequently asked questions

Is Nu Holdings Ltd (NU) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $5.42 versus a price of $13.62, about −60% upside (overvalued).
What is the fair value of NU?
Our model-based fair value for Nu Holdings Ltd is $5.42 (as of Sep 23, 2026), built from audited fundamentals. The current price: $13.62.
What is the quality score of NU?
Nu Holdings Ltd has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Nu Holdings Ltd (NU)?
Our model-based price target is the fair value of $5.42 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $4.00, optimistic scenario $21.68. It is a calculation from audited fundamentals, not an analyst target.
What is the Nu Holdings Ltd stock forecast for 2026?
Our models put fair value at $5.42, about −60% upside versus a price of $13.62 (overvalued). Cautious scenario $4.00, optimistic scenario $21.68. The calculation is refreshed regularly with new filings.
What is the revenue of Nu Holdings Ltd (NU)?
Nu Holdings Ltd reported trailing-twelve-month revenue of about $7.6B (latest available figure, as of Sep 23, 2026).
What growth is priced into Nu Holdings Ltd (NU)?
For today's price to be fair in a discounted-cash-flow model, Nu Holdings Ltd would have to grow free cash flow by +2.9 % per year for five years (discount rate 9.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +84.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of NU use?
Our models discount Nu Holdings Ltd at 9.1 %: a base by market capitalisation (large), damped by beta 0.95, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Nu Holdings Ltd that is +2.9 % per year a year over ten years, using the same discount rate (9.1 %) and the same formula as our fair value.
How much growth has Nu Holdings Ltd (NU) delivered so far?
Over the past 5 years revenue at Nu Holdings Ltd grew +84.8 % a year. The price currently implies +2.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Nu Holdings Ltd (NU) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Nu Holdings Ltd (+2.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Nu Holdings Ltd (NU)?
The free-cash-flow yield on the price is 5.23 %: that much free cash flow Nu Holdings Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Nu Holdings Ltd (NU)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Nu Holdings Ltd it is $5.42 per share (as of Sep 23, 2026), against a price of $13.62. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Nu Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, NU trades above its calculated fair value: price $13.62, fair value $5.42, a gap of about −60% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NU?
No. The price is what the market pays today ($13.62); the fair value is what the company's own numbers justify ($5.42). For Nu Holdings Ltd the two are $8.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Nu Holdings Ltd worth?
The market values Nu Holdings Ltd at about $66.8B (market capitalisation, as of Sep 23, 2026). Per share that is $13.62; our models calculate a fair value of $5.42 per share.
What do the bullish and bearish scenarios say about NU?
Our models span a range for Nu Holdings Ltd: cautious scenario $4.00, base $5.42, optimistic $21.68 per share (as of Sep 23, 2026, price $13.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NU?
Nu Holdings Ltd trades at a price-to-earnings ratio of 19.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.42 is built from several models across several years. Other multiples: PEG 0.7, P/B 6.2, P/S 9.2, EV/EBITDA 13.8.
What is the PEG ratio of NU?
The PEG ratio of Nu Holdings Ltd is 0.75 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Nu Holdings Ltd (NU)?
Balance-sheet figures for Nu Holdings Ltd (as of Sep 23, 2026): return on equity 30.1%, debt of 0.02 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is NU from its 52-week high?
Nu Holdings Ltd trades at $13.62, about 27% below its 52-week high of $18.76 and 17% above the low of $11.60 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $5.42 is for.
Which stocks are comparable to Nu Holdings Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Nu Holdings Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price $13.62, calculated fair value $5.42 (−60%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NU calculated?
We run Nu Holdings Ltd through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.42, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Nu Holdings Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Nu Holdings Ltd (NU)?
The closing price on Sep 23, 2026 was $13.62. Our model-based fair value is $5.42, about −60% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Nu Holdings Ltd right now?
The model range is unusually wide ($4.00 to $21.68). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Nu Holdings Ltd

How large is the market capitalisation of Nu Holdings Ltd (NU)?
The market capitalisation of Nu Holdings Ltd is $66.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Nu Holdings Ltd (NU)?
The price-to-sales ratio of Nu Holdings Ltd is 3.53 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Nu Holdings Ltd (NU)?
Earnings per share at Nu Holdings Ltd are $0.6500 (price ÷ EPS = P/E 19.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Nu Holdings Ltd (NU)?
The net margin of Nu Holdings Ltd is 18.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Nu Holdings Ltd (NU)?
The return on equity (ROE) of Nu Holdings Ltd is 30.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Nu Holdings Ltd (NU)?
On an EBIT basis the return on assets of Nu Holdings Ltd is 2.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Nu Holdings Ltd (NU)?
The operating margin of Nu Holdings Ltd is 48.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Nu Holdings Ltd (NU)?
Revenue at Nu Holdings Ltd is growing +43.7% versus a year earlier (3y avg +49.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Nu Holdings Ltd (NU)?
Earnings per share at Nu Holdings Ltd are growing +55.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Nu Holdings Ltd (NU) hold?
Nu Holdings Ltd holds more cash than debt, $9.8B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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