Nu Holdings Ltd. (NU)
Nu Holdings is a digital banking giant that provides simple, app-based financial services to millions of customers across Latin America.
Is Nu Holdings Ltd. a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Very high profit margins for a financial institution. Worth weighing: No dividend payments for income-focused investors.
Is this normal for this company?
Each figure against the range this same company has produced recently. Neither end of a range is the good end.
Share price divided by the earnings actually reported over the four most recent quarters. The range is the same calculation at each of this company's last few results, so roughly the past year.
Profit as a share of sales, from the company's own quarterly statements. The range covers the 5 quarters we hold, and the figure shown is its most recent one.
How these ranges are built
Every number here is the company's own reported figure, not a comparison with other companies. The ranges come from this company's own results and its share price. Where it reports in a different currency from the one its shares trade in, the price-to-earnings range is left out rather than mixing the two.
What does Nu Holdings Ltd. do?
Nu Holdings, often known as Nubank, operates as a branchless bank that offers credit cards, savings accounts, and loans entirely through a mobile app. Interest on loans and fees from card transactions bring in the earnings, with costs kept low by avoiding physical bank branches. What really moves the needle is how effectively they keep growing their customer base across Brazil, Mexico, and Colombia while protecting their high profit margins.
On our factor screen it looks strongest on growth and quality, and weakest on income.
- !Pays no dividend - the whole return rides on the share price
- ✓Growing - revenue up about 44% over the year
- ✓Very profitable - turns about 42% of sales into profit
- ✓Strong return on shareholder money (ROE 30%)
- Growth screens high
- Momentum screens low
- Income screens low
Does Nu Holdings Ltd. pay a dividend?
No - Nu Holdings Ltd. doesn't currently pay a dividend, so the whole return would rest on the share price. Plenty of growing companies reinvest their profits instead of paying them out - neither approach is better or worse, they're just different.
What do Nu Holdings Ltd.'s numbers mean?
How has it performed?
Growth of £1,000, the worst fall, and year by year
Over about 2 years to 2026-09-11. This is the share price only; any dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Nu Holdings Ltd. actually fallen?
Over the last 2 years of daily prices, Nu Holdings Ltd. fell as much as −40% from a high to a later low. Falls like this are normal when you own a share.
Past falls are not a forecast - it can fall further, or recover.
How has it done year by year?
Calendar-year total return - the share price with dividends reinvested - from adjusted closing prices. The current year is only part-complete. Past returns are not a guide to the future.
A closer look at the numbers
Ownership, earnings history, where the money goes, and the outlook range
Does the share price tell you if it's cheap or expensive?
Who owns Nu Holdings Ltd.?
About 82% of Nu Holdings Ltd., or about 82 in every 100 shares, is held by big institutions such as pension and index funds, and company insiders hold about 2%. The rest, roughly 16%, is held by the public and smaller investors.
What this does and doesn't tell you
This is a recent snapshot of the share register, and it moves. We don't read anything into who owns what - a high institutional share is common for any large listed company and is not a signal about it.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
How much money does Nu Holdings Ltd. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
When does Nu Holdings Ltd. report earnings, and how did recent quarters go?
Nu Holdings Ltd. is next scheduled to report on about 2026-11-12 - dates can move, and we don't predict results; this just tells you when to look.
‘Beat’ and ‘missed’ are against what analysts expected, not whether the business is doing well.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-08-12 | $0.19 | $0.22 | Beat +13% |
| 2026-05-14 | $0.19 | $0.18 | Missed -5% |
| 2026-02-25 | $0.18 | $0.18 | Missed -2% |
| 2025-11-13 | $0.17 | $0.17 | In line |
| 2025-08-14 | $0.13 | $0.13 | Beat +2% |
| 2025-05-13 | $0.12 | $0.11 | Missed -1% |
Across the last 6 quarters here, Nu Holdings Ltd. came in ahead of what analysts expected 2 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Where these figures come from
Each quarter a company reports its results against a consensus of analyst forecasts. The figures here are reported versus expected earnings per share from published results; the expectation is that analyst consensus, not our view. Report dates are estimates and can move.
What are the scenarios for Nu Holdings Ltd.?
An illustrative range for the year ahead — not a prediction or a price target.
What are the pros, cons and common questions?
The case each way, and the questions people ask
Becoming the dominant financial platform in Latin America
Regulatory changes that limit banking fees
What are the pros and cons of Nu Holdings Ltd.?
A balance check, not a score or verdict.
- Very high profit margins for a financial institution
- Rapid revenue and earnings growth
- Strong efficiency in using shareholder capital
- Low overheads due to the digital-only model
- No dividend payments for income-focused investors
- High valuation compared to traditional banks
- Heavy reliance on specific emerging markets
- Economic volatility in Latin American countries
- Potential for stricter government regulation on banking fees
- Rising competition from established local banks
The write-up's own warning lights — if these start happening, the case above changes.
- A sustained drop in customer growth rates
- A significant decline in net profit margins
Common questions about Nu Holdings Ltd.
Does Nu Holdings Ltd. pay a dividend?
No - Nu Holdings Ltd. does not currently pay a dividend, so the return would rest on the share price. Many growing companies reinvest profits instead of paying them out.
When does Nu Holdings Ltd. report earnings next?
Nu Holdings Ltd. is next scheduled to report results on about 2026-11-12. Report dates are estimates and can move; this is a diary note for when to look, not a forecast of the outcome.
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This plain-English summary was auto-generated on 2026-08-02 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.