NU Valuation

Nu Holdings Ltd

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14.800

+0.03(0.203%)1D

Overview
Forecast
Valuation
Earnings

NU Relative Valuation

NU's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NU is overvalued; if below, it's undervalued.

Historical Valuation

Nu Holdings Ltd (NU) is now in the Fair zone, suggesting that its current forward PS ratio of 4.24 is considered Fairly compared with the five-year average of -9.90. The fair price of Nu Holdings Ltd (NU) is between 5.62 to 26.39 according to relative valuation methord.

Relative Value

Fair Zone

5.62-26.39

Current Price：14.80

Fair

22.08

Trailing

Forward

0.00

EV/EBITDA

Nu Holdings Ltd. (NU) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Nu Holdings Ltd. (NU) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

4.20

Nu Holdings Ltd. (NU) has a current PS of 4.20. The 5-year average PS is 4.79. The thresholds are as follows: Strongly Undervalued below -2.65, Undervalued between -2.65 and 1.07, Fairly Valued between 8.52 and 1.07, Overvalued between 8.52 and 12.24, and Strongly Overvalued above 12.24. The current Forward PS of 4.20 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Nu Holdings Ltd. (NU) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Nu Holdings Ltd. (NU) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Nu Holdings Ltd (NU) has a current Price-to-Book (P/B) ratio of 7.43. Compared to its 3-year average P/B ratio of 6.77 , the current P/B ratio is approximately 9.79% higher. Relative to its 5-year average P/B ratio of 6.90, the current P/B ratio is about 7.76% higher. Nu Holdings Ltd (NU) has a Forward Free Cash Flow (FCF) yield of approximately -10.70%. Compared to its 3-year average FCF yield of -0.32%, the current FCF yield is approximately 3281.53% lower. Relative to its 5-year average FCF yield of -2.12% , the current FCF yield is about 405.51% lower.

7.45

P/B

Median3y

6.77

Median5y

6.90

-10.79

FCF Yield

Median3y

-0.32

Median5y

-2.12

Competitors Valuation Multiple

The average P/S ratio for NU's competitors is 3.27, providing a benchmark for relative valuation. Nu Holdings Ltd Corp (NU) exhibits a P/S ratio of 4.20, which is 28.46% above the industry average. Given its robust revenue growth of 28.94%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Truist Financial Corp

Canadian Imperial Bank of Commerce

Performance Decomposition

Market capitalization of NU decreased by 1.34% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 2.78B to 3.59B.

The secondary factor is the Margin Expansion, contributed 1.37%to the performance.

Overall, the performance of NU in the past 1 year is driven by Revenue Growth. Which is more sustainable.

28.94%

2.78B → 3.59B

Revenue Growth

1.37%

17.50 → 17.74

Margin Expansion

-31.65%

45.88 → 31.36

P/E Change

-1.34%