3.25%
-25.04%
-14.77%
-26.83%
-9.53%
59.78%
1.15%
AI Spotlight on NU
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Company Description
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.
Market Data
| Last Price | 10.45 |
| Change Percentage | 3.25% |
| Open | 10.18 |
| Previous Close | 10.12 |
| Market Cap ( Millions) | 49617 |
| Volume | 27872825 |
| Year High | 16.14 |
| Year Low | 9.67 |
| M A 50 | 11.87 |
| M A 200 | 12.88 |
Financial Ratios
| FCF Yield | 18.80% |
| Dividend Yield | 0.00% |
| ROE | 27.19% |
| Debt / Equity | 22.63% |
| Net Debt / EBIDTA | -259.56% |
| Price To Book | 6.55 |
| Price Earnings Ratio | 25.39 |
| Price To FCF | 5.32 |
| Price To sales | 4.31 |
| EV / EBITDA | 14.68 |
News
- Mar -09 - This Brilliant Fintech Stock Is Down 32%. Buy It Before It Sets a New All-Time High.
- Mar -08 - Where Will Nu Holdings Stock Be in 5 Years?
- Mar -07 - Why Nu Stock Lost 19% in February
- Mar -07 - Nu Holdings Stock: Buy, Sell, or Hold?
- Mar -05 - 3 No-Brainer Bank Stocks to Buy Right Now for Less Than $500
- Mar -05 - Meet the Supercharged Growth Stock That Could Make You a Millionaire
- Mar -04 - Here's Why Nu Holdings Stock Is a Buy Before May 13
- Mar -03 - 1 No-Brainer Growth Stock to Buy Right Now for Less Than $1,000
- Mar -02 - Big Fund Buys MicroStrategy and Nu Holdings Stock. Sells Dollar General and Celsius.
- Mar -01 - The Smartest Financial Stocks to Buy With $200 Right Now
- Feb -26 - Better Warren Buffett Stock: Nu Holdings vs. Bank of America
- Feb -24 - Nu Holdings Stock Selloff Explained - Buy More NU Shares?
- Feb -24 - Should You Follow Cathie Wood in Buying the Nu Holdings Stock Dip?
- Feb -23 - Nu Holdings: A Very Solid Quarter Despite What You May Think
- Feb -22 - Nu Holdings: Deposit Surge, Net Interest Margins Squeeze. A Risky Balance
- Feb -22 - Nu Holdings: I Am Buying The Dip After Q4 Results
- Feb -21 - Nu Holdings: Reasons For The Q4 Miss Are Critical & Mercado Pago Competition Worries
- Feb -21 - Why Nu Stock Is Plummeting Today
- Feb -21 - Why Is Nu Stock Down, and Is It a Buying Opportunity?
- Feb -21 - Nu Holdings Increases Customer Base by 22%, Prepares Global Expansion
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Digital Financial Services
Expected Growth : 13.9 %
What the company do ?
Digital Financial Services from Nu Holdings Ltd. offers a mobile-only banking platform, providing users with a digital wallet, credit card, and investment products, all in one app.
Why we expect these perspectives ?
Nu Holdings Ltd.'s 13.9% growth in Digital Financial Services is driven by increasing adoption of digital payments, expanding e-commerce, and growing demand for mobile banking in Latin America. Additionally, strategic partnerships, innovative products, and investments in technology infrastructure have contributed to the company's rapid expansion.
Nu Holdings Ltd. Products
| Product Range | What is it ? |
|---|---|
| NuAccount | A digital account that allows users to manage their finances, track expenses, and set budgets. |
| NuCard | A debit card that offers cashback rewards, no foreign transaction fees, and real-time spending updates. |
| NuInvest | A investment platform that allows users to invest in a diversified portfolio with low fees and no minimum balance. |
| NuCredit | A credit card that offers flexible repayment terms, no annual fees, and credit score tracking. |
| NuBusiness | A business banking platform that offers cash flow management, invoicing, and payment tracking. |
Nu Holdings Ltd.'s Porter Forces
Threat Of Substitutes
The threat of substitutes is moderate for Nu Holdings Ltd. as there are some alternatives to digital banking, but they are not yet widely adopted.
Bargaining Power Of Customers
The bargaining power of customers is low for Nu Holdings Ltd. as customers have limited options for digital banking and are likely to stick with the company due to its strong brand reputation.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low for Nu Holdings Ltd. as the company has a strong negotiating position due to its large customer base and established relationships with suppliers.
Threat Of New Entrants
The threat of new entrants is high for Nu Holdings Ltd. as the digital banking industry is attractive and has low barriers to entry, making it easy for new companies to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high for Nu Holdings Ltd. as the digital banking industry is highly competitive, with many established players and new entrants vying for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 17.37% |
| Debt Cost | 9.52% |
| Equity Weight | 82.63% |
| Equity Cost | 9.52% |
| WACC | 9.52% |
| Leverage | 21.02% |
Nu Holdings Ltd. : Quality Control
Nu Holdings Ltd. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CM.TO | Canadian Imperial Bank of Commerce, a diversified financial institution, provides various financial products and services to personal, business, public sector, and institutional clients in Canada, the United States, and internationally. … |
| UBSG.SW | UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and … |
| NWG.L | NatWest Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom and internationally. It operates through … |
| HSBA.L | HSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking … |
| WFC | Wells Fargo & Company, a diversified financial services company, provides banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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CIBC
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HSBC
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Wells Fargo
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UBS
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NatWest
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6
