- ISIN
- KYG6683N1034
- Sector
- Financial Services
- Industry
- Banks - Diversified
- IPO Date
- Dec 9, 2021
Highlights
- Market Cap
- $62.80B
- Enterprise Value
- $129.52B
- EPS (TTM)
- $0.65
- PE Ratio
- 19.71
- PEG Ratio
- 0.30
- Total Revenue (TTM)
- $17.54B
- Gross Profit (TTM)
- $7.67B
- EBITDA (TTM)
- $4.14B
- Year Range
- $11.20 - $18.98
- Target Price
- $20.85
- ROA (TTM)
- 4.11%
- ROE (TTM)
- 25.29%
Share Price Chart
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Performance
NU Performance Chart
Nu Holdings Ltd. (NU) is down 23.6% since the beginning of the year. At $13 per share, NU is trading 32.6% below its 52-week high of $19.
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Returns By Period
Nu Holdings Ltd. (NU) has returned -23.60% so far this year and 5.35% over the past 12 months.
Nu Holdings Ltd.
- 1D
- 0.63%
- 1M
- 0.47%
- YTD
- -23.60%
- 6M
- -23.04%
- 1Y
- 5.35%
- 3Y*
- 19.16%
- 5Y*
- —
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
NU Monthly Returns History
Based on dividend-adjusted daily data since Dec 9, 2021, NU's average daily return is +0.08%, while the average monthly return is +1.23%. At this rate, an investment would double in approximately 4.7 years.
Historically, 55% of months were positive and 45% were negative. The best month was May 2023 with a return of +30.6%, while the worst month was May 2022 at -36.6%. The longest winning streak lasted 4 consecutive months, and the longest losing streak was 3 months.
On a daily basis, NU closed higher 51% of trading days. The best single day was May 13, 2022 with a return of +20.5%, while the worst single day was Feb 21, 2025 at -18.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 6.03% | -15.61% | -4.07% | 0.77% | -9.32% | -2.59% | -23.60% | ||||||
| 2025 | 27.80% | -18.81% | -4.74% | 21.39% | -3.38% | 14.24% | -10.93% | 21.11% | 8.18% | 0.62% | 7.95% | -3.74% | 61.58% |
| 2024 | 3.36% | 28.69% | 7.67% | -8.97% | 9.39% | 8.50% | -5.90% | 23.41% | -8.82% | 10.55% | -16.96% | -17.32% | 24.37% |
| 2023 | 14.25% | 8.39% | -5.56% | 8.40% | 30.62% | 17.06% | 0.89% | -13.94% | 5.84% | 13.10% | -0.73% | 2.33% | 104.67% |
| 2022 | -20.90% | 3.10% | 0.92% | -22.15% | -36.61% | -1.84% | 12.57% | 16.39% | -10.20% | 13.64% | -11.00% | -8.54% | -56.61% |
| 2021 | -16.62% | -16.62% |
Benchmark Metrics
Nu Holdings Ltd. has an annualized alpha of 0.84%, beta of 1.61, and R2 of 0.23 versus S&P 500 Index. Calculated based on daily prices since December 09, 2021.
- This stock participated in 110.31% of S&P 500 Index downside but only 79.12% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.23 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 0.84%
- Beta
- 1.61
- R²
- 0.23
- Upside Capture
- 79.12%
- Downside Capture
- 110.31%
Return for Risk
Risk / Return Rank
NU ranks 44 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Nu Holdings Ltd. (NU) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NU | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.89 | ||
| Sortino ratioReturn per unit of downside risk | -2.30 | ||
| Omega ratioGain probability vs. loss probability | 1.06 | 1.37 | -0.31 |
| Calmar ratioReturn relative to maximum drawdown | 0.14 | 2.78 | -2.64 |
| Martin ratioReturn relative to average drawdown | 0.33 | 12.44 | -12.10 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Nu Holdings Ltd.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Nu Holdings Ltd. was 72.07%, occurring on Jun 16, 2022. Recovery took 441 trading sessions.
The current Nu Holdings Ltd. drawdown is 31.82%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -72.07%Jun 2022 | 6mo 5d | 1y 9mo | 2y 3moDec 2021 - Mar 2024 |
2025 selloff2025 | -39.58%Apr 2025 | 4mo 23d | 5mo 14d | 10mo 7dNov 2024 - Sep 2025 |
2026 bear market2026 | -38.17%Jun 2026 | 4mo 9d | — | 4mo 24dJan 2026 - now |
2024 bear market2024 | -21.13%Aug 2024 | 19d | 10d | 29dJul 2024 - Aug 2024 |
2024 correction2024 | -14.45%Apr 2024 | 25d | 2mo 3d | 2mo 28dMar 2024 - Jun 2024 |
Drawdown Indicators
| NU | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.07% | -56.78% | -15.29% |
Max Drawdown (1Y)Largest decline over 1 year | -38.17% | -9.10% | -29.07% |
Max Drawdown (3Y)Largest decline over 3 years | -39.58% | -18.90% | -20.68% |
Max Drawdown (5Y)Largest decline over 5 years | — | -25.43% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -31.82% | -1.80% | -30.02% |
Average DrawdownAverage peak-to-trough decline | -29.78% | -10.71% | -19.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.02% | 2.03% | +13.99% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Nu Holdings Ltd. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Nu Holdings Ltd. is priced in the market compared to other companies in the Banks - Diversified industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for NU, comparing it with other companies in the Banks - Diversified industry. Currently, NU has a P/E ratio of 19.7. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for NU compared to other companies in the Banks - Diversified industry. NU currently has a PEG ratio of 0.3. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for NU relative to other companies in the Banks - Diversified industry. Currently, NU has a P/S ratio of 3.6. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for NU in comparison with other companies in the Banks - Diversified industry. Currently, NU has a P/B value of 5.0. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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