Last 23 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.36 | 15.18 | 19.96 | 23.25 | 25.02 | 26.38 | 23.27 | 23.55 | 31.02 | 32.29 | 38.48 | 28.03 | 29.05 | 42.51 | 40.48 | — | 687.50 | — | — | — | — |
| — | -42.5% | -14.2% | -1.3% | -19.4% | -18.3% | -39.5% | -16.0% | +6.8% | -24.0% | -4.9% | — | -95.8% | — | — | — | — | — | — | — | — | |
| P/S Ratio | 4.19 | 4.13 | 4.75 | 6.17 | 6.78 | 6.33 | 5.33 | 5.90 | 7.96 | 7.54 | 7.37 | 5.98 | 5.50 | 7.11 | 5.20 | 4.99 | 6.82 | 6.45 | 16.43 | 26.73 | — |
| — | -34.8% | -10.8% | +4.6% | -14.9% | -16.0% | -27.7% | -1.3% | +44.6% | +6.1% | +41.7% | +19.8% | -19.3% | +10.2% | -68.4% | -81.3% | — | — | — | — | — | |
| P/B Ratio | 5.21 | 4.94 | 5.60 | 7.26 | 7.44 | 7.02 | 5.82 | 6.51 | 8.73 | 9.09 | 8.57 | 6.32 | 5.98 | 6.77 | 4.40 | 3.95 | 4.47 | 3.69 | 7.51 | 9.73 | — |
| — | -29.6% | -3.7% | +11.4% | -14.8% | -22.7% | -32.1% | +3.1% | +46.0% | +34.2% | +94.6% | +59.8% | +33.9% | +83.6% | -41.4% | -59.4% | — | — | — | — | — | |
| P/FCF | — | — | — | 18.64 | — | 6.76 | 12.49 | 9.77 | — | 5.93 | — | 3.78 | — | 5.80 | 120.01 | 24.09 | — | 10.25 | 141.51 | — | — |
| — | — | — | +90.8% | — | +14.0% | — | +158.4% | — | +2.3% | — | -84.3% | — | -43.4% | -15.2% | — | — | — | — | — | — | |
| EV / EBITDA | 10.74 | 17.20 | 13.75 | 16.36 | 14.08 | 14.51 | 11.30 | 11.75 | 18.65 | 17.06 | 19.61 | 12.25 | 15.92 | 22.62 | 16.35 | — | 347.47 | — | — | — | — |
| — | +18.5% | +21.6% | +39.3% | -24.5% | -15.0% | -42.4% | -4.2% | +17.2% | -24.6% | +19.9% | — | -95.4% | — | — | — | — | — | — | — | — | |
| EV / EBIT | 12.53 | 17.72 | 14.22 | 16.73 | 14.41 | 14.89 | 11.60 | 12.07 | 19.15 | 17.49 | 20.24 | 12.62 | 16.66 | 23.59 | 17.24 | — | 865.32 | — | — | — | — |
| — | +19.0% | +22.6% | +38.6% | -24.8% | -14.9% | -42.7% | -4.3% | +14.9% | -25.9% | +17.4% | — | -98.1% | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.0% | 63.1% | 53.9% | 62.7% | 67.2% | 61.9% | 58.6% | 61.9% | 63.1% | 63.6% | 58.0% | 65.0% | 57.2% | 56.0% | 57.0% | 57.2% | 51.7% | 50.0% | 49.6% | 50.6% | 62.0% |
| — | +1.9% | -8.1% | +1.3% | +6.5% | -2.7% | +1.0% | -4.8% | +10.3% | +13.4% | +1.8% | +13.7% | +10.6% | +12.1% | +14.8% | +12.9% | -16.6% | -3.5% | -0.3% | +459.4% | — | |
| Operating Margin | 34.2% | 31.2% | 25.7% | 32.4% | 38.5% | 33.1% | 33.8% | 36.4% | 34.5% | 34.8% | 29.2% | 33.1% | 25.7% | 24.1% | 22.1% | -22.9% | 0.7% | -3.6% | -12.4% | -21.9% | -6.5% |
| — | -5.9% | -24.0% | -10.9% | +11.6% | -4.7% | +15.6% | +9.9% | +34.1% | +44.3% | +32.4% | +244.6% | +3820.2% | +763.2% | +278.7% | -4.5% | +110.1% | -61.4% | +52.5% | +70.5% | — | |
| Net Margin | 25.4% | 26.7% | 23.5% | 26.8% | 27.0% | 24.0% | 23.7% | 26.2% | 26.4% | 23.4% | 19.2% | 21.3% | 19.0% | 16.7% | 12.9% | -30.7% | 1.0% | -4.4% | -8.2% | -16.3% | -10.2% |
| — | +11.4% | -0.9% | +2.4% | +2.3% | +2.7% | +23.7% | +22.8% | +39.3% | +39.6% | +49.0% | +169.4% | +1782.0% | +481.5% | +255.9% | -87.9% | +109.8% | +16.3% | +65.8% | +76.6% | — |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 30.2% | 8.2% | 7.3% | 8.2% | 7.8% | 7.0% | 6.9% | 7.2% | 7.6% | 7.1% | 5.7% | 5.9% | 5.3% | 4.1% | 2.8% | -6.2% | 0.2% | -0.6% | -1.0% | -2.1% | -1.8% |
| — | +17.1% | +6.4% | +12.9% | +2.3% | -1.4% | +19.5% | +23.1% | +44.6% | +71.3% | +104.3% | +195.1% | +3082.7% | +764.8% | +387.3% | -196.5% | +109.2% | +43.9% | +87.7% | +91.5% | — | |
| ROA | 4.6% | 1.3% | 1.1% | 1.2% | 1.2% | 1.1% | 1.1% | 1.1% | 1.2% | 1.1% | 0.9% | 0.9% | 0.9% | 0.7% | 0.5% | -1.1% | 0.0% | -0.1% | -0.2% | -0.4% | -0.2% |
| — | +21.5% | +7.0% | +11.1% | +0.8% | -0.9% | +23.2% | +22.8% | +35.4% | +54.2% | +82.1% | +185.8% | +2757.8% | +693.5% | +333.3% | -180.1% | +113.4% | +5.1% | +58.1% | +64.0% | — | |
| ROIC | 23.1% | 2.6% | 4.4% | 5.4% | 6.6% | 5.9% | 6.3% | 6.7% | 6.4% | 6.5% | 5.4% | 5.7% | 4.5% | 3.9% | 3.1% | -3.0% | 0.1% | -0.4% | -1.1% | -2.0% | -0.8% |
| — | -56.0% | -29.8% | -20.1% | +2.8% | -8.6% | +16.2% | +17.5% | +41.9% | +68.3% | +74.3% | +288.1% | +6080.6% | +1167.2% | +394.2% | -52.6% | +109.2% | -395.9% | +19.8% | +85.4% | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.46 | 3.17 | 0.25 | 0.46 | 0.30 | 0.24 | 0.20 | 0.12 | 0.13 | 0.21 | 0.23 | 0.18 | 0.22 | 0.16 | 0.16 | 0.16 | 0.11 | 0.11 | 0.04 | 0.04 | 0.09 |
| — | +1218.5% | +24.9% | +297.0% | +123.2% | +14.9% | -13.5% | -36.4% | -38.9% | +27.2% | +48.8% | +11.0% | +93.3% | +52.0% | +337.8% | +334.5% | +25.7% | -96.6% | -99.4% | -91.2% | — | |
| Debt / EBITDA | 1.31 | 32.86 | 3.20 | 4.71 | 2.73 | 2.55 | 2.12 | 1.12 | 1.36 | 1.95 | 2.65 | 2.03 | 2.96 | 2.75 | 3.17 | — | 41.90 | — | — | — | — |
| — | +1187.7% | +50.8% | +319.2% | +100.6% | +31.0% | -19.9% | -44.5% | -54.0% | -29.1% | -16.4% | — | -92.9% | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.59 | 0.25 | 0.83 | 0.59 | 0.88 | 0.89 | 0.93 | 0.96 | 0.99 | 0.99 | 1.04 | 1.08 | 1.11 | 1.10 | 1.11 | 1.12 | 1.08 | 1.07 | 1.07 | 1.07 | 0.68 |
| — | -72.1% | -10.3% | -38.0% | -10.5% | -10.0% | -11.2% | -11.7% | -10.8% | -9.5% | -6.0% | -3.1% | +2.8% | +2.3% | +3.9% | +4.8% | +57.9% | — | — | +85.2% | — | |
| Quick Ratio | 0.59 | 0.25 | 0.83 | 0.59 | 0.88 | 0.89 | 0.93 | 0.96 | 0.99 | 0.99 | 1.04 | 1.08 | 1.11 | 1.10 | 1.11 | 1.12 | 1.08 | 1.07 | 1.07 | 1.07 | 0.68 |
| — | -72.1% | -10.3% | -38.0% | -10.5% | -10.0% | -11.2% | -11.7% | -10.8% | -9.5% | -6.0% | -3.1% | +2.8% | +2.3% | +3.9% | +4.8% | +57.9% | — | — | +85.2% | — | |
| Interest Coverage | 0.85 | 0.80 | 0.75 | 0.79 | 0.88 | 0.85 | 0.89 | 1.03 | 0.95 | 1.09 | 0.88 | 0.92 | 0.77 | 0.71 | 0.55 | -0.54 | 0.01 | -0.06 | -0.25 | -0.50 | -0.21 |
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Includes 30+ ratios · 23 years · Updated daily
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Quick answers to the most common questions about buying NU stock.
Nu Holdings Ltd.'s current P/E is 16.4x. The average P/E over the last 4 quarters is 20.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Nu Holdings Ltd.'s current operating margin is 34.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Nu Holdings Ltd.'s business trajectory between earnings reports.