Balance Sheet Dive: Nu Holdings Ltd (NU)’s Debt-to-Equity and Long-Term Debt/Eq Ratios

Kevin Freeman

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After finishing at $15.8 in the prior trading day, Nu Holdings Ltd (NYSE: NU) closed at $16.17, up 2.34%. In other words, the price has increased by $2.34 from its previous closing price. On the day, 35.81 million shares were traded. NU stock price reached its highest trading level at $16.42 during the session, while it also had its lowest trading level at $15.79.

Ratios:

Our goal is to gain a better understanding of NU by taking a closer look at its different ratios. In the meantime, Its Debt-to-Equity ratio is 3.13 whereas as Long-Term Debt/Eq ratio is at 0.13.

On August 18, 2025, Itau BBA Upgraded its rating to Outperform which previously was Market Perform but kept the price unchanged to $18.

JP Morgan Upgraded its Neutral to Overweight on April 08, 2025, while the target price for the stock was maintained at $13.

Insider Transactions:

The insider trade also gives investors a glimpse into the future direction of stock prices, which can be beneficial to investors. A recent insider transaction in this stock occurred on Sep 19 ’25 when ROGERIO PAULO CALDERON PERES bought 70,000 shares for $16.15 per share.

VITOR GUARINO OLIVIER bought 886,958 shares of NU for $13,801,687 on Sep 11 ’25. On Sep 10 ’25, another insider, LIVIA MARTINES CHANES & BRUNO, who serves as the Officer of the company, bought 19,152 shares for $15.65 each.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, NU now has a Market Capitalization of 78139170816 and an Enterprise Value of 67509542912. As of this moment, Nu’s Price-to-Earnings (P/E) ratio for their current fiscal year is 34.42, and their Forward P/E ratio for the next fiscal year is 19.60. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 0.88. For the stock, the TTM Price-to-Sale (P/S) ratio is 6.68 while its Price-to-Book (P/B) ratio in mrq is 8.16. Its current Enterprise Value per Revenue stands at 11.542.

Stock Price History:

The Beta on a monthly basis for NU is 1.09, which has changed by 0.038107753 over the last 52 weeks, in comparison to a change of 0.13367426 over the same period for the S&P500. Over the past 52 weeks, NU has reached a high of $16.50, while it has fallen to a 52-week low of $9.01. The 50-Day Moving Average of the stock is 4.23%, while the 200-Day Moving Average is calculated to be 23.75%.

Shares Statistics:

The stock has traded on average 45.05M shares per day over the past 3-months and 26621310 shares per day over the last 10 days, according to various share statistics. A total of 3.78B shares are outstanding, with a floating share count of 3.38B. Insiders hold about 29.87% of the company’s shares, while institutions hold 53.86% stake in the company. Shares short for NU as of 1760486400 were 102191494 with a Short Ratio of 2.27, compared to 1757894400 on 115893899. Therefore, it implies a Short% of Shares Outstanding of 102191494 and a Short% of Float of 2.71.

Earnings Estimates

Current recommendations for the stock of the company come from 8.0 analysts. The consensus estimate for the next quarter is $0.17, with high estimates of $0.18 and low estimates of $0.15.

Analysts are recommending an EPS of between $0.6 and $0.53 for the fiscal current year, implying an average EPS of $0.57. EPS for the following year is $0.79, with 11.0 analysts recommending between $0.9 and $0.69.

Revenue Estimates

7 analysts predict $4.04B in revenue for. The current quarter. It ranges from a high estimate of $4.27B to a low estimate of $3.81B. As of. The current estimate, Nu Holdings Ltd’s year-ago sales were $2.94BFor the next quarter, 7 analysts are estimating revenue of $4.07B. There is a high estimate of $4.24B for the next quarter, whereas the lowest estimate is $3.96B.

A total of 6 analysts have provided revenue estimates for NU’s current fiscal year. The highest revenue estimate was $16.16B, while the lowest revenue estimate was $14.74B, resulting in an average revenue estimate of $15.3B. In the same quarter a year ago, actual revenue was $11.52BBased on 6 analysts’ estimates, the company’s revenue will be $19.53B in the next fiscal year. The high estimate is $20.99B and the low estimate is $17.85B.

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