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Nu Holdings (NU)
NYSE:NU
US Market

Nu Holdings (NU) Ratios

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Nu Holdings Ratios

NU's free cash flow for Q3 2025 was $0.44. For the 2025 fiscal year, NU's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.88 1.09 46.06 27.63 90.68
Quick Ratio
0.88 1.09 46.06 27.63 90.68
Cash Ratio
0.32 0.39 46.06 27.63 90.68
Solvency Ratio
0.05 0.03 -0.01 >-0.01 -0.02
Operating Cash Flow Ratio
0.08 0.04 8.34 -29.87 37.80
Short-Term Operating Cash Flow Coverage
1.68 3.91 0.00 0.00 0.00
Net Current Asset Value
$ -10.55B$ -52.19M$ -20.85B$ -12.71B$ -7.37B
Leverage Ratios
Debt-to-Assets Ratio
0.04 0.03 0.02 <0.01 0.04
Debt-to-Equity Ratio
0.23 0.18 0.11 0.03 0.88
Debt-to-Capital Ratio
0.19 0.15 0.10 0.03 0.47
Long-Term Debt-to-Capital Ratio
0.10 0.11 0.00 0.00 0.46
Financial Leverage Ratio
6.48 6.77 6.12 4.47 23.18
Debt Service Coverage Ratio
0.41 0.46 -0.21 -0.40 -0.76
Interest Coverage Ratio
0.90 0.76 -0.20 -0.46 -0.90
Debt to Market Cap
0.04 0.03 0.00 0.00 <0.01
Interest Debt Per Share
1.32 0.68 0.45 0.11 0.13
Net Debt to EBITDA
-4.08 -7.62 13.22 16.82 10.55
Profitability Margins
Gross Profit Margin
43.04%43.64%100.00%100.00%100.00%
EBIT Margin
26.26%20.07%-10.40%-14.86%-53.67%
EBITDA Margin
26.93%20.89%-9.20%-13.34%-51.61%
Operating Profit Margin
26.26%20.07%-10.40%-14.86%-53.67%
Pretax Profit Margin
26.26%20.07%-10.40%-14.86%-53.67%
Net Profit Margin
18.67%13.44%-12.27%-14.41%-47.65%
Continuous Operations Profit Margin
18.67%13.44%-12.27%-14.44%-47.65%
Net Income Per EBT
71.08%66.96%118.02%96.96%88.77%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
3.70%2.38%-1.22%-0.83%-1.69%
Return on Equity (ROE)
27.81%16.09%-7.45%-3.72%-39.14%
Return on Capital Employed (ROCE)
23.82%16.37%-1.04%-0.86%-1.91%
Return on Invested Capital (ROIC)
14.58%10.59%-1.22%-0.84%-1.69%
Return on Tangible Assets
3.75%2.42%-1.24%-0.85%-1.69%
Earnings Yield
2.96%2.61%-1.92%-0.38%-0.36%
Efficiency Ratios
Receivables Turnover
0.73 0.53 0.00 0.00 0.00
Payables Turnover
0.64 0.44 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
296.16 109.95 63.95 55.77 17.55
Asset Turnover
0.20 0.18 0.10 0.06 0.04
Working Capital Turnover Ratio
-2.38 0.53 0.89 0.46 0.20
Cash Conversion Cycle
-68.69 -132.20 0.00 0.00 0.00
Days of Sales Outstanding
498.82 691.62 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
567.51 823.82 0.00 0.00 0.00
Operating Cycle
498.82 691.62 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.83 0.27 0.16 -0.63 0.21
Free Cash Flow Per Share
0.76 0.23 0.14 -0.64 0.21
CapEx Per Share
0.08 0.04 0.02 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
0.91 0.86 0.85 1.01 0.99
Dividend Paid and CapEx Coverage Ratio
10.81 7.15 6.61 -102.61 122.36
Capital Expenditure Coverage Ratio
10.81 7.15 6.61 -102.61 122.36
Operating Cash Flow Coverage Ratio
1.66 1.08 1.35 -21.55 2.54
Operating Cash Flow to Sales Ratio
0.30 0.17 0.25 -2.55 2.71
Free Cash Flow Yield
4.31%2.76%3.37%-6.83%2.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
33.77 38.31 -52.21 -262.08 -277.61
Price-to-Sales (P/S) Ratio
6.28 5.15 6.41 37.76 132.27
Price-to-Book (P/B) Ratio
8.09 6.16 3.89 9.74 108.67
Price-to-Free Cash Flow (P/FCF) Ratio
23.22 36.24 29.68 -14.64 49.12
Price-to-Operating Cash Flow Ratio
21.14 31.18 25.19 -14.79 48.72
Price-to-Earnings Growth (PEG) Ratio
4.05 -0.10 -0.44 69.64 3.00
Price-to-Fair Value
8.09 6.16 3.89 9.74 108.67
Enterprise Value Multiple
19.25 17.02 -56.42 -266.13 -245.75
Enterprise Value
70.23B 27.27B 15.42B 40.67B 45.65B
EV to EBITDA
19.25 17.02 -56.42 -266.13 -245.75
EV to Sales
5.18 3.56 5.19 35.51 126.83
EV to Free Cash Flow
19.16 25.04 24.05 -13.77 47.10
EV to Operating Cash Flow
17.39 21.54 20.41 -13.91 46.72
Tangible Book Value Per Share
1.98 1.21 0.92 0.86 0.09
Shareholders’ Equity Per Share
2.18 1.35 1.05 0.96 0.10
Tax and Other Ratios
Effective Tax Rate
0.29 0.33 -0.18 0.03 0.11
Revenue Per Share
2.80 1.62 0.64 0.25 0.08
Net Income Per Share
0.52 0.22 -0.08 -0.04 -0.04
Tax Burden
0.71 0.67 1.18 0.97 0.89
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
0.09 0.13 0.43 0.51 0.68
Stock-Based Compensation to Revenue
0.02 0.03 0.09 0.14 0.10
Income Quality
1.60 1.23 -2.07 17.69 -5.70
Currency in USD