Nu Holdings Ltd.
F:M1Z
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Nu Holdings Ltd.
F:M1Z
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BR |
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Emperor Energy Ltd
ASX:EMP
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AU |
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Intrinsic Value
The intrinsic value of 
Nu Holdings Ltd. (M1Z) under the Base Case is 20.28 EUR per share.
Compared with the current market price of 10.765 EUR, the stock appears
Undervalued by 47% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Nu Does
Nu Holdings, best known as Nubank, is a digital financial services company that gives consumers and small businesses banking products through an app instead of a branch network. It offers credit cards, checking accounts, savings and investment products, personal loans, insurance, and other everyday financial services. Its main customers are people who want simple, low-cost banking, especially in Brazil and other parts of Latin America.
- Headquarters
- Brazil BR
- Employees
- 10 027
- IPO date
- Dec 9, 2021
Nu Holdings has a narrow economic moat
Serving customers through an app rather than a costly branch network lets Nu offer low fees while keeping its operating costs below traditional banks. Spreading its technology costs across a large customer base makes that low-cost service harder for smaller rivals to match.
Read the full moat analysis
Earnings Waterfall
Nu Holdings Ltd.
The intrinsic value for Nu Holdings Ltd. (M1Z) under the Base Case is 20.28 EUR.
Compared with the current market price of 10.765 EUR, the stock appears Undervalued by 47% .