Nu Holdings Ltd. (NU)

NYSE: NU · Finance Services · Sao Paulo, Sp, BR · filing with the SEC since 2016

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Grade6.8

◀ Past 6.6● Present 7.1▶ Future 6.9

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Nu Holdings Ltd.

Nine metrics read from its own filings, by tense

Headline grade

6.8/10

◀ Past6.640% of the headline

● Present7.135% of the headline

▶ Future6.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.6/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

8.4/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

Nu Holdings Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

7.9/10

What has it actually done, year after year?

+79.8% a year over 6 filed years; profitable in 2 of 6.

weight 22% of this tense · 79th percentile among 104 sector filers · read for its customers

From the record

Nu Holdings Ltd.'s 6 filed years say what it did: revenue went from $612 million in fiscal 2019 to $12 billion in fiscal 2024, up 79.8% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 2 of 6 of those years (its annual reports).

What it rests on

revenue growth over the filed span79.8%top 14% of its family
the share of years revenue rosetop 13% of its family
the share of filed years with a profittop 43% of its family
the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

3.2/10

How has it treated the people who own it?

Share count grew 45.0% a year. 0% of cash flow returned. Insiders: 8 sales, 0 purchases.

weight 33% of this tense · 32nd percentile among 53 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2024-12-31, Nu Holdings Ltd.'s diluted share count grew about 45.0% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 8 sales (3 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-10-27 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 41% of its family
cash returned against operating cash flowbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.1/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

6.6/10

Is it financially healthy right now?

ROE 26%: 26¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar.

weight 45% of this tense · 66th percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, Nu Holdings Ltd. earned about 26 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 11 cents per dollar of everything the company owns. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count grew 0.6% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 20% of its family
return on equitytop 7% of its family
gross profit against assetstop 31% of its family
the share count against the year beforetop 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

8.8/10

How strong is its position in its industry?

top 11% of 114 in its family; net margin 17.1%.

weight 33% of this tense · 89th percentile among 114 sector filers · read for its customers

From the record

Nu Holdings Ltd.'s standing among 114 graded names in its industry family: revenue of $12 billion in fiscal 2024 ranks in the top 3% by size; a net margin of 17.1% ranks in the top 18%; revenue growth of 89.3% a year over the last 3 filed years ranks in the top 14% (its annual reports).

What it rests on

revenue against the family$11.52Btop 3% of its family
net margin17.1%top 18% of its family
three-year revenue growth89.3%top 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 74 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 74 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Nu Holdings Ltd.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.9/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

6.8/10

How much room does it have to grow?

top 32% of 108 in its family for room to expand.

weight 33% of this tense · 68th percentile among 108 sector filers · read for itself

From the record

Nu Holdings Ltd.'s room to grow, from the newest filed statements (fiscal 2024): cash of $9.2 billion against debt of $1.7 billion leaves 14.9% of its assets as net cash, top 28% of its family; cash from operations less capital spending is 20.8% of revenue (top 16%); a gross margin of 45.6% (bottom 49%) (its annual report).

What it rests on

cash less debt against assets14.9%top 28% of its family
cash from operations less capital spending against revenue20.8%top 16% of its family
gross margin45.6%bottom 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

7.7/10

What could actually drive growth from here?

top 23% of 100 in its family for growth drivers.

weight 33% of this tense · 77th percentile among 100 sector filers · read for its customers

From the record

Nu Holdings Ltd.'s growth drivers, from the filed years to fiscal 2024: revenue grew 89.3% a year over the last three filed years against 79.8% over all 6, speeding up (top 18% of its family); the newest year grew 43.3% (top 29%) (its annual reports). Nu Holdings Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+9.5 points a yeartop 18% of its family
the newest year's revenue growth43.3%top 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

6.2/10

Did its newest year beat what its own record pointed to?

top 38% of 78 in its family for expectations against reality.

weight 33% of this tense · 62nd percentile among 78 sector filers · read for its shareholders

From the record

Nu Holdings Ltd.'s newest year against its own record: revenue of $12 billion in fiscal 2024 came in 34.1% below the $17 billion its prior three years' pace pointed to (bottom 22% of its family); net income of $2.0 billion against a prior three-year average of $167 million (top 3%); a net margin of 17.1% against -1.5% before (top 33%) (its annual reports).

What it rests on

revenue against the prior three years' pace-34.1%bottom 22% of its family
net income against the prior three years' averagefive times its prior average or moretop 3% of its family
net margin against its prior average+18.6 pointstop 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton NU · research, not advice