Offers Nu credit and debit cards. Provides Ultraviolet credit and debit cards. Now — the numbers.
This is an established company with proven profits.
Average growth of 80% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 25.4× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 8% of them.
Analysts' average target sits 7% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
The price is looking for direction — no strong breakout, no collapse.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 20% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 18% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 80% a year on average.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 8/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 18/100.
No clear buy-side message is coming from the executive floor.
On our five-subject report card, NU sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: NU does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.