Nu Holdings Ltd.
Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards;
Banks - Diversified
BR, São Paulo [HQ]
Ratios
6 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|
| Profitability | |||||||
| Gross Margin | 100.00 | 46.02 | 31.05 | 15.73 | -5.32 | 66.97 | |
| Profit Margin | -13.74 | -25.74 | -47.65 | -14.44 | -12.27 | 14.70 | |
| Operating Margin | 5.78 | -35.96 | -53.67 | -14.83 | 41.70 | 21.95 | |
|
EPS Growth
|
- - | -7,803.23 | -59.18 | 95.40 | -117.27 | 382.05 | |
| EPS USD | -0.62 | -49.00 | -78.00 | -3.59 | -7.80 | 22.00 | |
| Return on Assets (ROA) | -1.03 | -1.37 | -1.69 | -0.83 | -1.22 | 2.38 | |
| Return on Equity (ROE) | -9.63 | -15.11 | -39.14 | -3.72 | -7.46 | 16.09 | |
| Return on Invested Capital (ROIC) | 2.49 | -8.93 | -22.45 | -3.58 | 26.51 | 13.29 | |
| Solvency | |||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 4.14 | 6.27 | 3.21 | 0.87 | 2.09 | 3.11 | |
| Debt/Equity | 38.90 | 69.17 | 74.38 | 3.88 | 12.81 | 21.02 | |
| Debt/EBITDA | -2,668.02 | 875.27 | 1,232.23 | 1,550.10 | -497.77 | -283.38 | |
|
Debt/Capitalization
|
28.00 | 40.89 | 42.65 | 3.74 | 11.35 | 17.37 | |
| Long-Term Debt/Capitalization | 28.00 | 34.47 | 30.16 | 3.58 | 11.02 | 13.77 | |
| Interest Debt per Share USD | 0.03 | 2.81 | 2.47 | 0.12 | 0.46 | 0.71 | |
| Debt Growth | - - | 179.02 | -41.24 | -12.86 | 267.50 | 128.37 | |
| Liquidity | |||||||
| Current Ratio | 124.61 | 140.97 | 161.71 | 151.18 | 6,718.68 | 5,214.53 | |
| Quick Ratio | 124.61 | 149.80 | 215.44 | 318.39 | 41,704.49 | 18,600.26 | |
| Cash Ratio | 27.72 | 47.35 | 74.39 | 51.79 | 11,192.66 | 5,214.53 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | 1,200 | 7,600 | |
| Turnover | |||||||
| Inventory Turnover | - - | 4.47 | 3.45 | 7.54 | 51.29 | - - | |
| Receivables Turnover | 12.81 | 12.90 | 12.37 | 23.60 | 33.01 | 49.16 | |
| Payables Turnover | - - | 6.52 | 7.45 | 19.77 | 44.36 | 23.74 | |
|
Asset Turnover
|
7.47 | 5.32 | 3.54 | 5.77 | 9.93 | 16.18 | |
| Fixed Turnover | 3,103.09 | 1,390.19 | 1,754.84 | 5,576.84 | 6,394.62 | 10,051.54 | |
| Coverage | |||||||
| Interest Coverage | 26.45 | -117.87 | -89.82 | -46.23 | 80.05 | 75.56 | |
| Asset Coverage | 900 | 1,200 | 3,600 | 9,000 | 4,900 | 3,100 | |
| Cash Flow Coverage (CFGR) | -4.72 | 65.20 | 299.88 | -1,695.50 | 120.64 | 644.87 | |
| EBITDA Coverage | - - | -100 | - - | - - | - - | - - | |
| Dividend Coverage | - - | - - | - - | - - | - - | - - | |
| Time Interest Earned (TIE) | 200 | - - | - - | - - | - - | 100 | |
| Market Prospects | |||||||
| Dividend Yield | - - | - - | - - | - - | - - | - - | |
| Earnings Yield | -0.06 | -4.72 | -7.57 | -0.38 | -1.92 | 2.61 | |
|
Price/Earnings (P/E)
|
-166,559.53 | -2,117.28 | -1,320.76 | -26,146.75 | -5,220.38 | 3,830.51 | |
| Price/Earnings Growth (PEG) | - - | -0.27 | -22.32 | 274.08 | -44.52 | -10.03 | |
|
Price/Book (P/B)
|
16,044.01 | 319.99 | 516.99 | 973.41 | 389.21 | 616.18 | |
| Price/Tangible Book (P/TB) | 16,044.01 | 319.99 | 516.99 | 973.41 | 389.21 | 616.18 | |
| Price/Sales (P/S) | 22,891.73 | 544.92 | 629.31 | 3,774.83 | 640.66 | 563.02 | |
|
Price/Cash Flow (P/CF)
|
-874,177.57 | 709.48 | 231.79 | -1,478.27 | 2,519.32 | 454.51 | |
| Price/Free CF (P/FCF) | -402,568.16 | 721.71 | 233.70 | -1,464.01 | 2,968.39 | 463.96 | |
| Price/Operating CF (P/OCF) | -874,177.57 | 709.48 | 231.79 | -1,478.27 | 2,519.32 | 454.51 |