Nu Holdings Ltd. (NU) P/E Ratio History
Deep ValueTrading at 21.9x · 0th percentile of 5-year range · Significant discount to historical valuation · Data 2023–2026
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P/E Ratio Analysis
As of June 21, 2026, Nu Holdings Ltd. (NU) trades at a price-to-earnings ratio of 21.9x, with a stock price of $12.71 and trailing twelve-month earnings per share of $0.65.
The current P/E is 72% below its 5-year average of 79.6x. Over the past five years, NU's P/E has ranged from a low of 22.1x to a high of 533.1x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, NU trades at a 61% premium to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, NU trades roughly in line with the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our NU DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
NU Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
NU P/E vs Peers
Digital and niche cross-border banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $23B | 45.9 | - | +0% | |
| $25B | 492.8 | - | +109% | |
| $3B | 72.1 | 5.02 | +131% | |
| $2B | 16.7 | - | +156% | |
| $4B | 23.2 | - | +223% | |
| $37B | 7.9 | 0.89 | +36% | |
| $434B | 29.6 | 1.41 | +19% | |
| $628B | 32.1 | 2.03 | +5% | |
| $16B | 11.5 | 0.47 | -5% | |
| $3B | 6.5Lowest | 0.28Best | +266%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
NU Historical P/E Data (2023–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $14.37 | $0.65 | 22.1x | -72% |
| FY2025 Q4 | Dec 31 2025 | $16.74 | $0.58 | 28.9x | -64% |
| FY2025 Q3 | - | $16.01 | $0.51 | 31.4x | -61% |
| FY2025 Q2 | Jun 30 2025 | $13.72 | $0.46 | 29.8x | -63% |
| FY2025 Q1 | Mar 31 2025 | $10.24 | $0.43 | 23.8x | -70% |
| FY2024 Q4 | - | $10.36 | $0.40 | 26.1x | -67% |
| FY2024 Q3 | Sep 30 2024 | $13.65 | $0.36 | 37.7x | -53% |
| FY2024 Q2 | Jun 30 2024 | $12.89 | $0.31 | 41.1x | -48% |
| FY2024 Q1 | Mar 31 2024 | $11.93 | $0.26 | 45.8x | -42% |
| FY2023 Q4 | Dec 31 2023 | $8.33 | $0.21 | 39.2x | -51% |
| FY2023 Q3 | Sep 30 2023 | $7.25 | $0.08 | 95.9x | +21% |
| FY2023 Q2 | Jun 30 2023 | $7.89 | $0.01 | 533.1x | +570% |
Average P/E for displayed period: 79.6x
Full Stock Analysis
Deep dive into NU consensus models and risk factors.
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
3+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
NU — Frequently Asked Questions
Quick answers to the most common questions about buying NU stock.
What is NU's P/E ratio?
Nu Holdings Ltd. (NU) trailing twelve-month P/E ratio is 21.9x, based on TTM diluted EPS of $0.65. The 5-year average P/E is 79.6x and the historical range spans 22.1x to 533.1x.
Is NU stock overvalued or undervalued?
NU trades at 21.9x P/E, below its 5-year average of 79.6x. At the 0th percentile of its historical range (22.1x–533.1x), the stock is priced at a discount to its own history.
Is NU stock expensive?
No, NU is not expensive on a historical basis. The current P/E of 21.9x is below the 5-year average of 79.6x and sits at the 0th percentile of its valuation range.
What is NU's historical P/E range?
Over the past 5 years, NU's P/E ratio has ranged from 22.1x to 533.1x, with a median of 37.7x and an average of 79.6x. The current P/E of 21.9x places the stock at the 0th percentile of this range. Full historical data spans 2023–2026.
How does NU's P/E compare to the S&P 500?
NU trades at 21.9x P/E versus the S&P 500 median of 24.4x. The 10% discount to the market suggests lower growth expectations or perceived higher risk.
How does NU's valuation compare to Financial Services peers?
Nu Holdings Ltd. P/E of 21.9x compares to the Financial Services sector median of 13.6x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is NU's PEG ratio?
NU PEG ratio is N/A, based on a P/E of 21.9x and EPS growth of 45.0%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is NU's earnings yield?
NU earnings yield is 4.56%, the inverse of its 21.9x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.