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STOCKS

Nu Holdings (NU)

NYSE:NU

Nu Holdings

RESEARCH TOOLSreports

Nu Holdings (NU) Ratios

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7,409 Followers

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 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.88	0.96	1.09	46.06	27.63
Quick Ratio	0.88	0.96	1.09	46.06	27.63
Cash Ratio	0.32	0.35	0.39	46.06	27.63
Solvency Ratio	0.05	0.05	0.03	-0.01	>-0.01
Operating Cash Flow Ratio	0.08	0.06	0.04	8.34	-29.87
Short-Term Operating Cash Flow Coverage	2.16	4.51	3.91	0.00	0.00
Net Current Asset Value	$ -10.55B	$ -5.09B	$ -52.19M	$ -20.85B	$ -12.71B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.02	0.03	0.02	<0.01
Debt-to-Equity Ratio	0.30	0.12	0.18	0.11	0.03
Debt-to-Capital Ratio	0.23	0.10	0.15	0.10	0.03
Long-Term Debt-to-Capital Ratio	0.10	0.04	0.11	0.00	0.00
Financial Leverage Ratio	6.48	6.53	6.77	6.12	4.47
Debt Service Coverage Ratio	0.45	0.61	0.46	-0.21	-0.40
Interest Coverage Ratio	0.90	0.99	0.76	-0.20	-0.46
Debt to Market Cap	0.03	0.02	0.03	0.00	0.00
Interest Debt Per Share	1.46	0.78	0.68	0.45	0.11
Net Debt to EBITDA	-3.89	-4.44	-7.62	13.22	16.82
Profitability Margins
Gross Profit Margin	43.04%	45.93%	43.64%	100.00%	100.00%
EBIT Margin	26.26%	25.17%	20.07%	-10.40%	-14.86%
EBITDA Margin	26.93%	25.87%	20.89%	-9.20%	-13.34%
Operating Profit Margin	26.26%	25.17%	20.07%	-10.40%	-14.86%
Pretax Profit Margin	26.26%	25.17%	20.07%	-10.40%	-14.86%
Net Profit Margin	18.67%	17.76%	13.44%	-12.27%	-14.41%
Continuous Operations Profit Margin	18.67%	17.76%	13.44%	-12.27%	-14.44%
Net Income Per EBT	71.08%	70.55%	66.96%	118.02%	96.96%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	3.70%	3.95%	2.38%	-1.22%	-0.83%
Return on Equity (ROE)	27.81%	25.79%	16.09%	-7.45%	-3.72%
Return on Capital Employed (ROCE)	23.82%	25.34%	16.37%	-1.04%	-0.86%
Return on Invested Capital (ROIC)	15.05%	17.06%	10.59%	-1.22%	-0.84%
Return on Tangible Assets	3.75%	4.01%	2.42%	-1.24%	-0.85%
Earnings Yield	2.82%	3.97%	2.61%	-1.92%	-0.38%
Efficiency Ratios
Receivables Turnover	0.73	0.80	0.53	0.00	0.00
Payables Turnover	0.64	0.64	0.44	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	296.16	240.24	109.95	63.95	55.77
Asset Turnover	0.20	0.22	0.18	0.10	0.06
Working Capital Turnover Ratio	-2.38	20.45	0.53	0.89	0.46
Cash Conversion Cycle	-68.69	-110.82	-132.20	0.00	0.00
Days of Sales Outstanding	498.82	456.61	691.62	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	567.51	567.43	823.82	0.00	0.00
Operating Cycle	498.82	456.61	691.62	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.83	0.50	0.27	0.16	-0.63
Free Cash Flow Per Share	0.76	0.46	0.23	0.14	-0.64
CapEx Per Share	0.08	0.04	0.04	0.02	<0.01
Free Cash Flow to Operating Cash Flow	0.91	0.93	0.86	0.85	1.01
Dividend Paid and CapEx Coverage Ratio	10.81	13.71	7.15	6.61	-102.61
Capital Expenditure Coverage Ratio	10.81	13.71	7.15	6.61	-102.61
Operating Cash Flow Coverage Ratio	1.30	2.71	1.08	1.35	-21.55
Operating Cash Flow to Sales Ratio	0.30	0.22	0.17	0.25	-2.55
Free Cash Flow Yield	4.10%	4.48%	2.76%	3.37%	-6.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	35.49	25.17	38.31	-52.21	-262.08
Price-to-Sales (P/S) Ratio	6.60	4.47	5.15	6.41	37.76
Price-to-Book (P/B) Ratio	8.51	6.49	6.16	3.89	9.74
Price-to-Free Cash Flow (P/FCF) Ratio	24.40	22.32	36.24	29.68	-14.64
Price-to-Operating Cash Flow Ratio	22.22	20.69	31.18	25.19	-14.79
Price-to-Earnings Growth (PEG) Ratio	4.26	0.29	-0.10	-0.44	69.64
Price-to-Fair Value	8.51	6.49	6.16	3.89	9.74
Enterprise Value Multiple	20.62	12.85	17.02	-56.42	-266.13
Enterprise Value	75.25B	36.90B	27.27B	15.42B	40.67B
EV to EBITDA	20.62	12.85	17.02	-56.42	-266.13
EV to Sales	5.55	3.32	3.56	5.19	35.51
EV to Free Cash Flow	20.53	16.59	25.04	24.05	-13.77
EV to Operating Cash Flow	18.63	15.38	21.54	20.41	-13.91
Tangible Book Value Per Share	1.98	1.44	1.21	0.92	0.86
Shareholders’ Equity Per Share	2.18	1.60	1.35	1.05	0.96
Tax and Other Ratios
Effective Tax Rate	0.29	0.29	0.33	-0.18	0.03
Revenue Per Share	2.80	2.32	1.62	0.64	0.25
Net Income Per Share	0.52	0.41	0.22	-0.08	-0.04
Tax Burden	0.71	0.71	0.67	1.18	0.97
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	0.11	0.13	0.43	0.51
Stock-Based Compensation to Revenue	0.02	0.02	0.03	0.09	0.14
Income Quality	1.60	1.22	1.23	-2.07	17.69

Currency in USD