Insider’s View: Deciphering Nu Holdings Ltd (NU)’s Financial Health Through Ratios

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The price of Nu Holdings Ltd (NYSE: NU) closed at $11.40 in the last session, down -4.60% from day before closing price of $11.95. In other words, the price has decreased by -$4.60 from its previous closing price. On the day, 50.54 million shares were traded. NU stock price reached its highest trading level at $11.8 during the session, while it also had its lowest trading level at $11.34.

Ratios:

We take a closer look at NU’s different ratios to gain a better understanding of the stock. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 4.84 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 4.50. In the meantime, Its Debt-to-Equity ratio is 0.27 whereas as Long-Term Debt/Eq ratio is at 0.18.

Upgrades & Downgrades

In addition, analysts’ ratings and any changes thereto give investors an idea of the stock’s future direction. In the most recent recommendation for the company, Citigroup on December 02, 2024, Downgraded its rating to Sell and sets its target price to $11 from $14.60 previously.

UBS Downgraded its Buy to Neutral on August 02, 2024, while the target price for the stock was maintained at $13.50.

Insider Transactions:

An investor can also benefit from insider trades by learning what management is thinking about the future direction of stock prices. A recent insider transaction in this stock occurred on Mar 14 ’25 when Duggal Jagpreet Singh bought 83,405 shares for $12.00 per share.

HENRIQUE CAMOSSA SALDANHA FRAG bought 25,000 shares of NU for $287,500 on Mar 14 ’25. On Mar 05 ’25, another insider, Duggal Jagpreet Singh, who serves as the Officer of the company, bought 53,870 shares for $10.75 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 54795124736 and an Enterprise Value of 46800543744. As of this moment, Nu’s Price-to-Earnings (P/E) ratio for their current fiscal year is 28.27, and their Forward P/E ratio for the next fiscal year is 14.69. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 0.75. For the stock, the TTM Price-to-Sale (P/S) ratio is 5.28 while its Price-to-Book (P/B) ratio in mrq is 7.11. Its current Enterprise Value per Revenue stands at 8.489.

Stock Price History:

The Beta on a monthly basis for NU is 1.06, which has changed by -0.069387734 over the last 52 weeks, in comparison to a change of 0.08190584 over the same period for the S&P500. Over the past 52 weeks, NU has reached a high of $16.15, while it has fallen to a 52-week low of $9.67. The 50-Day Moving Average of the stock is -4.86%, while the 200-Day Moving Average is calculated to be -11.36%.

Shares Statistics:

According to the various share statistics, NU traded on average about 47.76M shares per day over the past 3-months and 52721940 shares per day over the past 10 days. A total of 3.68B shares are outstanding, with a floating share count of 3.15B. Insiders hold about 34.10% of the company’s shares, while institutions hold 53.33% stake in the company. Shares short for NU as of 1740700800 were 135996120 with a Short Ratio of 2.85, compared to 1738281600 on 113355670. Therefore, it implies a Short% of Shares Outstanding of 135996120 and a Short% of Float of 3.64.

Dividends & Splits

Against a Trailing Annual Dividend Yield of 0.0

Earnings Estimates

At present, 4.0 analysts are actively evaluating the performance of Nu Holdings Ltd (NU) in the stock market.The consensus estimate for the next quarter is $0.13, with high estimates of $0.14 and low estimates of $0.12.

Analysts are recommending an EPS of between $0.6 and $0.51 for the fiscal current year, implying an average EPS of $0.56. EPS for the following year is $0.78, with 7.0 analysts recommending between $0.89 and $0.7.

Revenue Estimates

According to 2 analysts, the current quarter’s revenue is expected to be $3.25B. It ranges from a high estimate of $3.34B to a low estimate of $3.17B. As of the current estimate, Nu Holdings Ltd’s year-ago sales were $2.74BFor the next quarter, 2 analysts are estimating revenue of $3.51B. There is a high estimate of $3.67B for the next quarter, whereas the lowest estimate is $3.36B.

A total of 6 analysts have provided revenue estimates for NU’s current fiscal year. The highest revenue estimate was $15.49B, while the lowest revenue estimate was $13.43B, resulting in an average revenue estimate of $14.84B. In the same quarter a year ago, actual revenue was $11.52BBased on 5 analysts’ estimates, the company’s revenue will be $19.08B in the next fiscal year. The high estimate is $20.68B and the low estimate is $17.24B.

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