Nu Holdings Ltd
NYSE:NU

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Nu Holdings Ltd
NYSE:NU
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Price: 15.19 USD -2.88% Market Closed
Market Cap: 72.4B USD
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Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Nu Holdings Ltd

Revenue
10.1B USD
Cost of Revenue
-2.7B USD
Gross Profit
7.4B USD
Operating Expenses
-5.1B USD
Operating Income
2.3B USD
Other Expenses
-745.4m USD
Net Income
1.5B USD

Margins Comparison
Nu Holdings Ltd Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
BR
Nu Holdings Ltd
NYSE:NU
68B USD
73%
22%
15%
US
JPMorgan Chase & Co
NYSE:JPM
680.9B USD
0%
0%
30%
ZA
Standard Bank Group Ltd
JSE:SBK
398.1B Zac
0%
0%
19%
ZA
Absa Bank Ltd
JSE:ABSP
387.5B Zac
0%
0%
17%
ZA
Capitec Bank Holdings Ltd
JSE:CPI
380.6B Zac
0%
0%
25%
US
Bank of America Corp
NYSE:BAC
352.9B USD
0%
0%
22%
CN
Industrial and Commercial Bank of China Ltd
SSE:601398
2.2T CNY
0%
0%
41%
US
Wells Fargo & Co
NYSE:WFC
244.8B USD
0%
0%
21%
CN
Agricultural Bank of China Ltd
SSE:601288
1.6T CNY
0%
0%
36%
CN
Bank of China Ltd
SSE:601988
1.4T CNY
0%
0%
33%
CN
China Construction Bank Corp
SSE:601939
1.3T CNY
0%
0%
42%
Country BR
Market Cap 68B USD
Gross Margin
73%
Operating Margin
22%
Net Margin
15%
Country US
Market Cap 680.9B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
30%
Country ZA
Market Cap 398.1B Zac
Gross Margin
0%
Operating Margin
0%
Net Margin
19%
Country ZA
Market Cap 387.5B Zac
Gross Margin
0%
Operating Margin
0%
Net Margin
17%
Country ZA
Market Cap 380.6B Zac
Gross Margin
0%
Operating Margin
0%
Net Margin
25%
Country US
Market Cap 352.9B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
22%
Country CN
Market Cap 2.2T CNY
Gross Margin
0%
Operating Margin
0%
Net Margin
41%
Country US
Market Cap 244.8B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
21%
Country CN
Market Cap 1.6T CNY
Gross Margin
0%
Operating Margin
0%
Net Margin
36%
Country CN
Market Cap 1.4T CNY
Gross Margin
0%
Operating Margin
0%
Net Margin
33%
Country CN
Market Cap 1.3T CNY
Gross Margin
0%
Operating Margin
0%
Net Margin
42%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Nu Holdings Ltd Competitors

Country Company Market Cap ROE ROA ROCE ROIC
BR
Nu Holdings Ltd
NYSE:NU
68B USD
24%
4%
29%
6%
US
JPMorgan Chase & Co
NYSE:JPM
680.9B USD
16%
1%
0%
0%
ZA
Standard Bank Group Ltd
JSE:SBK
398.1B Zac
17%
1%
0%
0%
ZA
Absa Bank Ltd
JSE:ABSP
387.5B Zac
11%
1%
0%
0%
ZA
Capitec Bank Holdings Ltd
JSE:CPI
380.6B Zac
26%
5%
0%
0%
US
Bank of America Corp
NYSE:BAC
352.9B USD
8%
1%
0%
0%
CN
Industrial and Commercial Bank of China Ltd
SSE:601398
2.2T CNY
9%
1%
0%
0%
US
Wells Fargo & Co
NYSE:WFC
244.8B USD
9%
1%
0%
0%
CN
Agricultural Bank of China Ltd
SSE:601288
1.6T CNY
9%
1%
0%
0%
CN
Bank of China Ltd
SSE:601988
1.4T CNY
8%
1%
0%
0%
CN
China Construction Bank Corp
SSE:601939
1.3T CNY
11%
1%
0%
0%
Country BR
Market Cap 68B USD
ROE
24%
ROA
4%
ROCE
29%
ROIC
6%
Country US
Market Cap 680.9B USD
ROE
16%
ROA
1%
ROCE
0%
ROIC
0%
Country ZA
Market Cap 398.1B Zac
ROE
17%
ROA
1%
ROCE
0%
ROIC
0%
Country ZA
Market Cap 387.5B Zac
ROE
11%
ROA
1%
ROCE
0%
ROIC
0%
Country ZA
Market Cap 380.6B Zac
ROE
26%
ROA
5%
ROCE
0%
ROIC
0%
Country US
Market Cap 352.9B USD
ROE
8%
ROA
1%
ROCE
0%
ROIC
0%
Country CN
Market Cap 2.2T CNY
ROE
9%
ROA
1%
ROCE
0%
ROIC
0%
Country US
Market Cap 244.8B USD
ROE
9%
ROA
1%
ROCE
0%
ROIC
0%
Country CN
Market Cap 1.6T CNY
ROE
9%
ROA
1%
ROCE
0%
ROIC
0%
Country CN
Market Cap 1.4T CNY
ROE
8%
ROA
1%
ROCE
0%
ROIC
0%
Country CN
Market Cap 1.3T CNY
ROE
11%
ROA
1%
ROCE
0%
ROIC
0%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

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