Nu Holdings Ltd. (NU) on Decifer

Why it ranks here

• It earns strong returns on the money it puts to work, around 16% and those returns have been improving and it turns most of its profit into real cash.
• Revenue is growing about 43% a year and profits grew 44% over the past year.
• It keeps a healthy share of every sale as profit, with profitability widening as it grows.
• It is riding an active market tailwind and has the balance sheet to fund its growth.
• We do not have a clean read on how it is run yet.
• Our durability check found pressure on this name, which costs it a few points.
• NU is one of 3 credible suppliers of sMB and consumer financial software distribution for the thesis: The world is committing capital to AI compute and its consequences faster than to any infrastructure in history, and this reorganizes demand in nearly every sector, not just technology. The market has partly recognized this, but not fully.

The current read

The evidence on NU lines up on the supportive side: the intelligence feed flags this name as connected to what is moving markets now. The independent signals we track are telling the same story.

Themes

• Fintech: Nu Holdings Ltd. sits in the neo-banks layer of the Fintech story.

Read the full NU research brief · See all quality rankings

Intelligence data powered by Decifer. Not financial advice. For informational purposes only.