| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| NUNu Holdings Ltd. | 63.31B | 16.56 | 41.40 | 44.79% | 17.76% | 23.96% | 3.51% | 0.12 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 116.14M | 228.15M | 167.85M | 679.4M | 2.01B | 4.4B | 6.8B |
| NII Growth % | - | 0.96% | -0.26% | 3.05% | 1.95% | 1.19% | 0.54% |
| Net Interest Margin % | - | - | - | - | - | - | - |
| Interest Income | 161.55M | 337.85M | 382.92M | 1.05B | 3.56B | 6.44B | 9.63B |
| Interest Expense | 45.42M | 109.7M | 215.08M | 367.34M | 1.55B | 2.04B | 2.83B |
| Loan Loss Provision | 118.63M | 175.18M | 169.49M | 480.64M | 1.4B | 2.29B | 3.17B |
| Non-Interest Income | 91.83M | 131.38M | 192.07M | 465.8M | 963.89M | 1.23B | 1.47B |
| Non-Interest Income % | - | - | - | - | - | - | - |
| Total Revenue | 253.39M | 469.23M | 574.99M | 1.51B | 4.52B | 7.67B | 11.1B |
| Revenue Growth % | - | 0.85% | 0.23% | 1.63% | 1.99% | 0.7% | 0.45% |
| Non-Interest Expense | 122.75M | 313.65M | 383.61M | 834.73M | 1.88B | 1.81B | 2.31B |
| Efficiency Ratio | - | - | - | - | - | - | - |
| Operating Income | -33.4M | -129.3M | -193.18M | -170.16M | -308.9M | 1.54B | 2.8B |
| Operating Margin % | - | - | - | - | - | - | - |
| Operating Income Growth % | - | -2.87% | -0.49% | 0.12% | -0.82% | 5.98% | 0.82% |
| Pretax Income | -33.4M | -129.3M | -193.18M | -170.16M | -308.9M | 1.54B | 2.8B |
| Pretax Margin % | - | - | - | - | - | - | - |
| Income Tax | -4.82M | -36.77M | -21.69M | -4.83M | 55.73M | 508.55M | 823.09M |
| Effective Tax Rate % | - | - | - | - | - | - | - |
| Net Income | -28.58M | -92.53M | -171.49M | -164.99M | -364.58M | 1.03B | 1.97B |
| Net Margin % | - | - | - | - | - | - | - |
| Net Income Growth % | - | -2.24% | -0.85% | 0.04% | -1.21% | 3.83% | 0.91% |
| Net Income (Continuing) | -28.58M | -92.53M | -171.49M | -165.33M | -364.63M | 1.03B | 1.97B |
| EPS (Diluted) | -0.01 | -0.02 | -0.04 | -0.04 | -0.08 | 0.21 | 0.40 |
| EPS Growth % | - | - | -0.85% | 0.04% | -1.18% | 3.69% | 0.9% |
| EPS (Basic) | -0.01 | -0.02 | -0.04 | -0.04 | -0.08 | 0.22 | 0.41 |
| Diluted Shares Outstanding | 4.61B | 4.61B | 4.61B | 4.61B | 4.68B | 4.86B | 4.89B |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 201.65M | 439.91M | 603.33M | 2.53B | 6.89B | 13.37B | 13.64B |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 776.63M | 3.19B | 6.3B | 10.29B | 12.23B | 12.48B | 16.64B |
| Investments Growth % | - | 3.1% | 0.98% | 0.64% | 0.19% | 0.02% | 0.33% |
| Long-Term Investments | 599.08M | 2.38B | 4.51B | 2.13B | 2.29B | 3.83B | 7.13B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 831K | 401.87M | 397.4M | 397.54M | 414.29M |
| Intangible Assets | 503K | 1.11M | 12.37M | 72.34M | 182.16M | 295.88M | 347.62M |
| PP&E (Net) | 6.7M | 25.86M | 20.51M | 20.54M | 46.46M | 69.75M | 46.22M |
| Other Assets | 114.31M | 213.74M | 137.85M | 1.24B | 289.67M | 482.97M | 2.99B |
| Total Current Assets | 2.01B | 4.05B | 5.35B | 15.63B | 25.92B | 36.73B | 37.19B |
| Total Non-Current Assets | 775.81M | 2.71B | 4.81B | 4.22B | 4.01B | 6.61B | 12.74B |
| Total Assets | 2.79B | 6.76B | 10.15B | 19.86B | 29.93B | 43.35B | 49.93B |
| Asset Growth % | - | 1.43% | 0.5% | 0.96% | 0.51% | 0.45% | 0.15% |
| Return on Assets (ROA) | -0.01% | -0.02% | -0.02% | -0.01% | -0.01% | 0.03% | 0.04% |
| Accounts Payable | 1.68B | 2.98B | 3.33B | 4.88B | 7.05B | 9.76B | 9.33B |
| Total Debt | 115.41M | 322.03M | 189.21M | 167.92M | 803.16M | 1.17B | 886.53M |
| Net Debt | -86.24M | -117.88M | -414.12M | -2.36B | -6.09B | -12.2B | -12.75B |
| Long-Term Debt | 115.41M | 303.33M | 177.2M | 157.25M | 547.24M | 806.68M | 328.87M |
| Short-Term Debt | 17.25M | 1.47B | 0 | 3.05M | 235.57M | 324.05M | 531.46M |
| Other Liabilities | 52.81M | 100.92M | 206.37M | 528.8M | 1.11B | 1.87B | 2.75B |
| Total Current Liabilities | 2.31B | 5.7B | 9.29B | 14.66B | 23.2B | 33.94B | 38.9B |
| Total Non-Current Liabilities | 179.06M | 444.8M | 430.29M | 753.67M | 1.84B | 3B | 3.38B |
| Total Liabilities | 2.49B | 6.15B | 9.72B | 15.42B | 25.04B | 36.94B | 42.28B |
| Total Equity | 296.73M | 612.25M | 438.11M | 4.44B | 4.89B | 6.41B | 7.65B |
| Equity Growth % | - | 1.06% | -0.28% | 9.14% | 0.1% | 0.31% | 0.19% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0.1% | -0.2% | -0.33% | -0.07% | -0.08% | 0.18% | 0.28% |
| Book Value per Share | 0.06 | 0.13 | 0.10 | 0.96 | 1.05 | 1.32 | 1.56 |
| Tangible BV per Share | - | - | - | - | - | - | - |
| Common Stock | 42K | 45K | 45K | 83K | 83K | 84K | 84K |
| Additional Paid-in Capital | 389.39M | 631.25M | 638.01M | 4.68B | 4.96B | 4.97B | 5.05B |
| Retained Earnings | -57.99M | 28.19M | -102.44M | -128.41M | 64.58M | 1.28B | 3.42B |
| Accumulated OCI | -34.71M | -47.23M | -97.5M | -109.23M | -137.65M | 156.43M | -828.17M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | -5.45M | 276.14M | 974.52M | -2.92B | 755.57M | 1.27B | 2.4B |
| Operating CF Growth % | - | 51.7% | 2.53% | -4% | 1.26% | 0.68% | 0.89% |
| Net Income | -28.58M | -92.53M | -171.49M | -165.33M | -364.63M | 1.03B | 1.97B |
| Depreciation & Amortization | 1.07M | 5.07M | 7.43M | 17.34M | 35.58M | 62.9M | 77.13M |
| Deferred Taxes | -19.13M | -40.34M | -44.02M | -224.65M | -417.61M | -675.68M | -713.43M |
| Other Non-Cash Items | 152.13M | 201.77M | 524.93M | 1.01B | 3.1B | 5.34B | 8.18B |
| Working Capital Changes | -120.27M | 183.65M | 622.11M | -3.72B | -1.85B | -4.71B | -7.39B |
| Cash from Investing | -6.38M | -4.68M | -16.27M | -154.19M | -127.15M | -177M | -330.63M |
| Purchase of Investments | 0 | 0 | 0 | -11.21M | -2.5M | 0 | -150M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | -8.28M | -114.49M | -10.35M | 0 | -5.64M |
| Other Investing | -505K | -2.3M | -4.9M | -22.47M | -94.31M | -156.76M | -169.57M |
| Cash from Financing | 253.41M | 611.19M | 240.1M | 3.34B | 654.04M | 425.21M | 727.74M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -695K | -3.77M | -15K | -4.61M | 0 | 0 | 0 |
| Stock Issued | 243.6M | 0 | 0 | 2.59B | 248M | 0 | 5.55M |
| Net Stock Activity | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Other Financing | 293K | 5.83M | 6.78M | -35.29M | 520K | 9.15M | 0 |
| Net Change in Cash | 177.25M | 867.36M | 1.1B | 361.89M | 1.47B | 1.75B | 3.26B |
| Exchange Rate Effect | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 201.96M | 379.21M | 1.25B | 2.34B | 2.71B | 4.17B | 5.92B |
| Cash at End | 379.21M | 1.25B | 2.34B | 2.71B | 4.17B | 5.92B | 9.19B |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -11.83M | 271.46M | 966.53M | -2.95B | 641.27M | 1.09B | 2.22B |
| FCF Growth % | - | 23.95% | 2.56% | -4.06% | 1.22% | 0.7% | 1.04% |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -9.63% | -20.36% | -32.65% | -6.76% | -7.81% | 18.24% | 28.07% |
| Return on Assets (ROA) | -1.03% | -1.94% | -2.03% | -1.1% | -1.46% | 2.81% | 4.23% |
| Net Interest Margin | 4.17% | 3.38% | 1.65% | 3.42% | 6.71% | 10.16% | 13.61% |
| Efficiency Ratio | 48.44% | 66.84% | 66.72% | 55.19% | 41.49% | 23.57% | 20.76% |
| Equity / Assets | 10.65% | 9.06% | 4.31% | 22.37% | 16.34% | 14.78% | 15.32% |
| Book Value / Share | 0.06 | 0.13 | 0.1 | 0.96 | 1.05 | 1.32 | 1.56 |
| NII Growth | - | 96.45% | -26.43% | 304.78% | 195.45% | 119.34% | 54.36% |
Nu Holdings Ltd. (NU) has a price-to-earnings (P/E) ratio of 41.4x. This suggests investors expect higher future growth.
Nu Holdings Ltd. (NU) grew revenue by 44.8% over the past year. This is strong growth.
Yes, Nu Holdings Ltd. (NU) is profitable, generating $2.53B in net income for fiscal year 2024 (17.8% net margin).
Nu Holdings Ltd. (NU) has a return on equity (ROE) of 28.1%. This is excellent, indicating efficient use of shareholder capital.
Nu Holdings Ltd. (NU) has a net interest margin (NIM) of 13.6%. This indicates healthy earnings from lending activities.
Nu Holdings Ltd. (NU) has an efficiency ratio of 20.8%. This is excellent, indicating strong cost control.