Nu Holdings Ltd (NU) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Nu Holdings Ltd stock (NU) is currently trading at $14.32. Nu Holdings Ltd PE ratio is 24.47. Nu Holdings Ltd PS ratio (Price-to-Sales) is 9.86. Analyst consensus price target for NU is $20.25. WallStSmart rates NU as Moderate Buy.
- NU PE ratio analysis and historical PE chart
- NU PS ratio (Price-to-Sales) history and trend
- NU intrinsic value — DCF, Graham Number, EPV models
- NU stock price prediction 2025 2026 2027 2028 2029 2030
- NU fair value vs current price
- NU insider transactions and insider buying
- Is NU undervalued or overvalued?
- Nu Holdings Ltd financial analysis — revenue, earnings, cash flow
- NU Piotroski F-Score and Altman Z-Score
- NU analyst price target and Smart Rating
Nu Holdings
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NU Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Nu Holdings Ltd (NU)
NU trades at a significant discount to its Graham intrinsic value of $27.14, offering a 36% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Nu Holdings Ltd (NU) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity, operating margin. Concerns around price/sales and price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Nu Holdings Ltd (NU) Key Strengths (7)
Every $100 of shareholder equity generates $30 in profit
Keeps $52 of every $100 in revenue after operating costs
Revenue surging 43.90% year-over-year
Earnings per share surging 60.90% year-over-year
Keeps $41 of every $100 in revenue as net profit
85.70% of shares held by major funds and institutions
Large-cap company with substantial market presence
Supporting Valuation Data
Nu Holdings Ltd (NU) Areas to Watch (2)
Very expensive at 9.9x annual revenue
Very expensive at 6.0x book value
Supporting Valuation Data
Nu Holdings Ltd (NU) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.9/10) while 2 fall into concern territory (avg 2.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Revenue Growth. Profitability is solid with Return on Equity at 30.30%, Operating Margin at 52.10%, Profit Margin at 41.00%. Growth metrics are encouraging with Revenue Growth at 43.90%, EPS Growth at 60.90%.
The Bear Case
The primary concerns are Price/Sales, Price/Book. Some valuation metrics including Price/Sales (9.86), Price/Book (5.99) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 30.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 43.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Operating Margin) and negatives (Price/Sales, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NU Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NU's Price-to-Sales ratio of 9.86x trades 59% above its historical average of 6.19x (91th percentile), historically expensive. The current valuation is 4% below its historical high of 10.29x set in Mar 2026, and 225% above its historical low of 3.03x in May 2022. Over the past 12 months, the PS ratio has expanded from ~4.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Nu Holdings Ltd (NU) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Nu Holdings Ltd is a strong growth company balancing expansion with improving profitability. Revenue reached 7.0B with 44% growth year-over-year. Profit margins are strong at 41.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 44% YoY, reaching 7.0B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 30.3% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Nu Holdings Ltd maintain 44%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Nu Holdings Ltd.
Bottom Line
Nu Holdings Ltd offers an attractive blend of growth (44% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 12:57:03 PM
About Nu Holdings Ltd(NU)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.