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NU - Nu Holdings Ltd.

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Nu Holdings Ltd.

NU

NYSE

Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

12.45 USD

0.11 (0.884%)

Operating Data

Year

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

Revenue

737.13M

1.7B

4.79B

8.03B

11.52B

20.47B

36.39B

64.68B

114.96B

204.34B

Revenue %

-

130.36

182.22

67.54

43.44

77.75

77.75

77.75

77.75

Ebitda

-185.75M

-152.82M

-273.32M

1.6B

2.87B

204.28M

363.11M

645.41M

1.15B

2.04B

Ebitda %

-25.2

-9

-5.7

19.95

24.94

1

1

1

1

Ebit

-193.18M

-170.16M

-308.9M

1.54B

2.8B

31.33M

55.69M

98.99M

175.94M

312.73M

Ebit %

-26.21

-10.02

-6.45

19.17

24.27

0.15

0.15

0.15

0.15

Depreciation

7.43M

17.34M

35.58M

62.9M

77.13M

172.95M

307.42M

546.43M

971.25M

1.73B

Depreciation %

1.01

1.02

0.74

0.78

0.67

0.84

0.84

0.84

0.84

Balance Sheet

Year

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

Total Cash

2.34B

2.71B

4.17B

-

9.19B

15.02B

26.69B

47.45B

84.34B

149.91B

Total Cash %

317.96

159.34

87.06

-

79.76

73.36

73.36

73.36

73.36

Receivables

-

-

-

-

-

-

-

-

-

-

Receivables %

-

-

-

-

-

-

-

-

-

Inventories

-

-

-

-

-

-

-

-

-

-

Inventories %

-

-

-

-

-

-

-

-

-

Payable

3.33B

-

-

9.76B

-

8.19B

14.55B

25.87B

45.98B

81.73B

Payable %

451.92

-

-

121.5

-

40

40

40

40

Cap Ex

-7.99M

-28.5M

-114.31M

-20.24M

-5.42M

-222.98M

-396.33M

-704.46M

-1.25B

-2.23B

Cap Ex %

-1.08

-1.68

-2.39

-0.25

-0.05

-1.09

-1.09

-1.09

-1.09

Weighted Average Cost Of Capital

Price

12.45

Beta

Diluted Shares Outstanding

4.89B

Costof Debt

163.83

Tax Rate

After Tax Cost Of Debt

115.59

Risk Free Rate

Market Risk Premium

Cost Of Equity

Total Debt

1.73B

Total Equity

60.87B

Total Capital

62.6B

Debt Weighting

2.76

Equity Weighting

97.24

Wacc

12.88

Build Up Free Cash Flow

Year

2020

2021

2022

2023

2024

2025

2026

2027

2028

2029

Revenue

737.13M

1.7B

4.79B

8.03B

11.52B

20.47B

36.39B

64.68B

114.96B

204.34B

Ebitda

-185.75M

-152.82M

-273.32M

1.6B

2.87B

204.28M

363.11M

645.41M

1.15B

2.04B

Ebit

-193.18M

-170.16M

-308.9M

1.54B

2.8B

31.33M

55.69M

98.99M

175.94M

312.73M

Tax Rate

29.45

29.45

29.45

29.45

29.45

29.45

29.45

29.45

29.45

29.45

Ebiat

-171.49M

-164.99M

-364.58M

1.03B

1.97B

26.52M

47.14M

83.79M

148.93M

264.73M

Depreciation

7.43M

17.34M

35.58M

62.9M

77.13M

172.95M

307.42M

546.43M

971.25M

1.73B

Receivables

-

-

-

-

-

-

-

-

-

-

Inventories

-

-

-

-

-

-

-

-

-

-

Payable

3.33B

-

-

9.76B

-

8.19B

14.55B

25.87B

45.98B

81.73B

Cap Ex

-7.99M

-28.5M

-114.31M

-20.24M

-5.42M

-222.98M

-396.33M

-704.46M

-1.25B

-2.23B

Ufcf

3.16B

-3.51B

-443.3M

10.83B

-7.71B

8.16B

6.32B

11.24B

19.98B

35.52B

Wacc

12.88

12.88

12.88

12.88

12.88

Pv Ufcf

7.23B

4.96B

7.82B

12.31B

19.38B

Sum Pv Ufcf

51.7B

Terminal Value

Growth In Perpetuity Method

Long Term Growth Rate

Wacc

12.88

Free Cash Flow T1

36.23B

Terminal Value

333.05B

Present Terminal Value

181.75B

Intrinsic Value

Enterprise Value

233.45B

Net Debt

-7.46B

Equity Value

240.91B

Diluted Shares Outstanding

4.89B

Equity Value Per Share

49.28

Projected DCF

49.28 0.747%

DCF Levered

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