Unternehmensprofil

Nu Holdings Ltd.

NU · USA
Branche
Consumer Finance
Börse
USA
Aktueller Kurs
$14.16
Schluss 23. September 2026
Fairer Kauf
≤ $8
Einstieg mit Sicherheitsmarge
Baillie-Wachstumsscore
54/100
Mittel
Innerer Wert · Drei-Stufen-Bereich Aktueller Kurs $14.16 · Innerhalb des fairen Bereichs des inneren Werts

Zusammengesetzter Bewertungsbereich · konservativ $7.5–$8 / fair $13–$17.7 / optimistisch $26.6–$29. Bei $14.16, Innerhalb des fairen Bereichs des inneren Werts.

Über das Unternehmen

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Analysen zu dieser Aktie
54/100 Hold Nu Holdings: A 33% ROE Flattered by a 14.2% Tax Rate, 90+ Day NPLs Up to 6.9%, and 5.7 Times Tangible Book Leaves No Margin of Safety Nu Holdings is a Latin American branchless financial-services platform monetizing 139 million customers through consumer credit, deposit float and fees, led by a highly profitable Brazilian core; Q2 2026 net income reached $1.061 billion on a 33% ROE, with a $39.4 billion credit portfolio funded by $45.3 billion of deposits. That ROE is flattered by a 14.2% IFRS effective tax rate against 25.8% for 2025, and normalizing to 27.5% takes about five points off, while the 90+ NPL ratio rose to 6.9% and first-half card and loan write-offs climbed about 54%; at $14.16 the stock trades near 19 times trailing IFRS earnings but 5.7 times tangible book, which requires high excess ROE to persist for many years. Rating Hold: the price sits about 26–42% above the $10.0–11.2 conservative intrinsic range, leaving no margin of safety, and the ideal buy price is $7.50 to $8.00, with Mexico's 35% loan-to-deposit ratio the key test of whether the Brazilian model travels. Nu Holdings Ltd.NU · USAConsumer Finance23. September 2026