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STOCKS

Nu Holdings Ltd. Class A (NU)

NYSE:NU

Nu Holdings

RESEARCH TOOLSreports

Nu Holdings (NU) Ratios

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7,554 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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.30	0.40	0.96	1.08	1.12
Quick Ratio	0.30	0.40	0.96	1.08	1.12
Cash Ratio	0.30	0.30	0.35	0.39	0.30
Solvency Ratio	0.05	0.05	0.05	0.03	1.41
Operating Cash Flow Ratio	0.15	0.24	0.06	0.04	0.03
Short-Term Operating Cash Flow Coverage	0.15	0.24	4.51	3.91	3.21
Net Current Asset Value	$ -52.96B	$ -49.35B	$ -5.09B	$ -205.45M	$ 879.03M
Leverage Ratios
Debt-to-Assets Ratio	0.50	0.50	0.02	0.03	0.03
Debt-to-Equity Ratio	3.34	3.34	0.12	0.18	0.16
Debt-to-Capital Ratio	0.77	0.77	0.10	0.15	0.14
Long-Term Debt-to-Capital Ratio	0.16	0.16	0.04	0.11	0.10
Financial Leverage Ratio	6.64	6.64	6.53	6.77	6.12
Debt Service Coverage Ratio	0.07	0.07	0.61	0.46	19.75
Interest Coverage Ratio	0.84	0.84	0.99	0.76	-0.20
Debt to Market Cap	0.53	0.47	0.02	0.03	0.04
Interest Debt Per Share	8.72	8.76	0.78	0.68	0.50
Net Debt to EBITDA	6.86	6.81	-4.44	-7.62	-0.17
Profitability Margins
Gross Profit Margin	42.95%	44.85%	45.93%	43.64%	34.66%
EBIT Margin	25.13%	24.39%	25.17%	20.07%	-6.84%
EBITDA Margin	25.58%	25.00%	25.87%	20.89%	780.51%
Operating Profit Margin	25.13%	24.36%	25.17%	20.07%	-6.84%
Pretax Profit Margin	25.13%	24.39%	25.17%	20.07%	-6.84%
Net Profit Margin	18.64%	18.07%	17.76%	13.44%	-8.07%
Continuous Operations Profit Margin	18.66%	18.11%	17.76%	13.44%	-8.07%
Net Income Per EBT	74.15%	74.09%	70.55%	66.96%	118.02%
EBT Per EBIT	100.01%	100.10%	100.00%	100.00%	100.00%
Return on Assets (ROA)	3.82%	3.82%	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)	9.80%	9.80%	25.34%	16.37%	-4.59%
Return on Invested Capital (ROIC)	3.83%	3.83%	17.06%	10.59%	-4.43%
Return on Tangible Assets	3.88%	3.88%	4.01%	2.42%	-1.24%
Earnings Yield	3.97%	3.55%	3.97%	2.61%	-1.92%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.80	0.53	0.50
Payables Turnover	0.00	0.00	0.64	0.44	0.42
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	309.18	318.89	240.24	109.95	97.26
Asset Turnover	0.21	0.21	0.22	0.18	0.15
Working Capital Turnover Ratio	-0.99	-1.39	20.45	2.78	2.45
Cash Conversion Cycle	0.00	0.00	-110.82	-132.20	-145.07
Days of Sales Outstanding	0.00	0.00	456.61	691.62	726.98
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	567.43	823.82	872.05
Operating Cycle	0.00	0.00	456.61	691.62	726.98
Cash Flow Ratios
Operating Cash Flow Per Share	1.06	1.76	0.50	0.27	0.16
Free Cash Flow Per Share	1.01	1.76	0.46	0.23	0.14
CapEx Per Share	0.06	<0.01	0.04	0.04	0.02
Free Cash Flow to Operating Cash Flow	0.95	1.00	0.93	0.86	0.85
Dividend Paid and CapEx Coverage Ratio	18.56	1.18K	13.71	7.15	6.61
Capital Expenditure Coverage Ratio	18.56	1.18K	13.71	7.15	6.61
Operating Cash Flow Coverage Ratio	0.14	0.23	2.71	1.08	0.94
Operating Cash Flow to Sales Ratio	0.34	0.54	0.22	0.17	0.17
Free Cash Flow Yield	6.80%	10.51%	4.48%	2.76%	3.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	24.86	28.20	25.17	38.31	-52.21
Price-to-Sales (P/S) Ratio	4.61	5.10	4.47	5.15	4.21
Price-to-Book (P/B) Ratio	6.32	7.17	6.49	6.16	3.89
Price-to-Free Cash Flow (P/FCF) Ratio	14.52	9.52	22.32	36.24	29.68
Price-to-Operating Cash Flow Ratio	13.81	9.51	20.69	31.18	25.19
Price-to-Earnings Growth (PEG) Ratio	1.85	0.64	0.29	-0.10	-0.44
Price-to-Fair Value	6.32	7.17	6.49	6.16	3.89
Enterprise Value Multiple	24.88	27.19	12.85	17.02	0.37
Enterprise Value	98.92B	107.93B	36.90B	27.27B	12.95B
EV to EBITDA	25.11	27.19	12.85	17.02	0.37
EV to Sales	6.43	6.80	3.32	3.56	2.87
EV to Free Cash Flow	20.24	12.70	16.59	25.04	20.19
EV to Operating Cash Flow	19.15	12.68	15.38	21.54	17.14
Tangible Book Value Per Share	2.12	2.13	1.44	1.21	0.92
Shareholders’ Equity Per Share	2.33	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	3.17	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	0.07	0.04	0.11	0.13	0.29
Stock-Based Compensation to Revenue	0.01	0.00	0.02	0.03	0.06
Income Quality	1.80	2.97	1.22	1.23	-2.07

Currency in USD