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Nu Holdings (NU)
NYSE:NU
US Market
NU
Nu Holdings
RESEARCH TOOLSreports

Nu Holdings (NU) Ratios

7,660 Followers

Nu Holdings Ratios

NU's free cash flow for Q4 2025 was $0.44. For the 2025 fiscal year, NU's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.59 0.59 0.96 1.08 1.12
Quick Ratio
 0.59 0.59 0.96 1.08 1.12
Cash Ratio
 0.25 0.25 0.35 0.39 0.30
Solvency Ratio
 0.05 0.05 0.05 0.03 1.41
Operating Cash Flow Ratio
 0.06 0.06 0.06 0.04 0.03
Short-Term Operating Cash Flow Coverage
 1.39 1.39 4.51 3.91 3.21
Net Current Asset Value
$ -28.14B$ -28.14B$ -5.09B$ -205.45M$ 879.03M
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.02 0.03 0.03
Debt-to-Equity Ratio
 0.46 0.46 0.12 0.18 0.16
Debt-to-Capital Ratio
 0.32 0.32 0.10 0.15 0.14
Long-Term Debt-to-Capital Ratio
 0.19 0.19 0.04 0.11 0.10
Financial Leverage Ratio
 6.63 6.63 6.53 6.77 6.12
Debt Service Coverage Ratio
 0.42 0.42 0.61 0.46 19.75
Interest Coverage Ratio
 0.84 0.84 0.99 0.76 -0.20
Debt to Market Cap
 0.07 0.06 0.02 0.03 0.04
Interest Debt Per Share
 2.03 2.03 0.78 0.68 0.50
Net Debt to EBITDA
 -2.47 -2.47 -4.44 -7.62 -0.17
Profitability Margins
Gross Profit Margin
44.61%44.85%45.93%43.64%34.66%
EBIT Margin
24.50%24.39%25.17%20.07%-6.84%
EBITDA Margin
25.11%25.00%25.87%20.89%780.51%
Operating Profit Margin
24.47%24.36%25.17%20.07%-6.84%
Pretax Profit Margin
24.50%24.39%25.17%20.07%-6.84%
Net Profit Margin
18.15%18.07%17.76%13.44%-8.07%
Continuous Operations Profit Margin
18.19%18.11%17.76%13.44%-8.07%
Net Income Per EBT
74.09%74.09%70.55%66.96%118.02%
EBT Per EBIT
100.10%100.10%100.00%100.00%100.00%
Return on Assets (ROA)
3.83%3.83%3.95%2.38%-1.22%
Return on Equity (ROE)
28.67%25.41%25.79%16.09%-7.45%
Return on Capital Employed (ROCE)
25.65%25.65%25.34%16.37%-4.59%
Return on Invested Capital (ROIC)
16.31%16.31%17.06%10.59%-4.43%
Return on Tangible Assets
3.88%3.88%4.01%2.42%-1.24%
Earnings Yield
3.87%3.55%3.97%2.61%-1.92%
Efficiency Ratios
Receivables Turnover
 0.82 0.82 0.80 0.53 0.50
Payables Turnover
 0.64 0.64 0.64 0.44 0.42
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 573.78 576.36 240.24 109.95 97.26
Asset Turnover
 0.21 0.21 0.22 0.18 0.15
Working Capital Turnover Ratio
 -1.03 -1.22 20.45 2.78 2.45
Cash Conversion Cycle
 -123.39 -125.33 -110.82 -132.20 -145.07
Days of Sales Outstanding
 444.91 442.92 456.61 691.62 726.98
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 568.30 568.25 567.43 823.82 872.05
Operating Cycle
 444.91 442.92 456.61 691.62 726.98
Cash Flow Ratios
Operating Cash Flow Per Share
 0.72 0.72 0.50 0.27 0.16
Free Cash Flow Per Share
 0.72 0.72 0.46 0.23 0.14
CapEx Per Share
 <0.01 <0.01 0.04 0.04 0.02
Free Cash Flow to Operating Cash Flow
 1.00 1.00 0.93 0.86 0.85
Dividend Paid and CapEx Coverage Ratio
 485.16 485.16 13.71 7.15 6.61
Capital Expenditure Coverage Ratio
 485.16 485.16 13.71 7.15 6.61
Operating Cash Flow Coverage Ratio
 0.67 0.67 2.71 1.08 0.94
Operating Cash Flow to Sales Ratio
 0.22 0.22 0.22 0.17 0.17
Free Cash Flow Yield
4.71%4.32%4.48%2.76%3.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 25.86 28.20 25.17 38.31 -52.21
Price-to-Sales (P/S) Ratio
 4.69 5.10 4.47 5.15 4.21
Price-to-Book (P/B) Ratio
 6.57 7.17 6.49 6.16 3.89
Price-to-Free Cash Flow (P/FCF) Ratio
 21.23 23.16 22.32 36.24 29.68
Price-to-Operating Cash Flow Ratio
 21.19 23.11 20.69 31.18 25.19
Price-to-Earnings Growth (PEG) Ratio
 1.92 0.64 0.29 -0.10 -0.44
Price-to-Fair Value
 6.57 7.17 6.49 6.16 3.89
Enterprise Value Multiple
 16.21 17.91 12.85 17.02 0.37
Enterprise Value
 64.37B 71.11B 36.90B 27.27B 12.95B
EV to EBITDA
 16.21 17.91 12.85 17.02 0.37
EV to Sales
 4.07 4.48 3.32 3.56 2.87
EV to Free Cash Flow
 18.43 20.36 16.59 25.04 20.19
EV to Operating Cash Flow
 18.39 20.31 15.38 21.54 17.14
Tangible Book Value Per Share
 2.13 2.13 1.44 1.21 0.92
Shareholders’ Equity Per Share
 2.34 2.34 1.60 1.35 1.05
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.29 0.33 -0.18
Revenue Per Share
 3.27 3.29 2.32 1.62 0.97
Net Income Per Share
 0.59 0.59 0.41 0.22 -0.08
Tax Burden
 0.74 0.74 0.71 0.67 1.18
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.04 0.04 0.13 0.13 0.29
Stock-Based Compensation to Revenue
 0.02 0.02 0.02 0.03 0.06
Income Quality
 1.22 1.22 1.22 1.23 -2.07
Currency in USD