Perfil de la empresa

Nu Holdings Ltd.

NU · EE. UU.
Industria
Consumer Finance
Bolsa
EE. UU.
Precio actual
$14.16
Cierre del 23 de septiembre de 2026
Compra razonable
≤ $8
Entrada con margen de seguridad
Puntuación de crecimiento Baillie
54/100
Media
Valor intrínseco · Rango en tres niveles Precio actual $14.16 · Dentro del rango de valor intrínseco razonable

Rango de valoración compuesto · conservador $7.5–$8 / razonable $13–$17.7 / optimista $26.6–$29. A $14.16, Dentro del rango de valor intrínseco razonable.

Sobre la empresa

Descripción de la empresa próximamente.

Información general

Historia

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Posición en el sector

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Análisis sobre este valor
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 · EE. UU.Consumer Finance23 de septiembre de 2026