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Intrinsic Value

Is M1Z undervalued or overvalued?

See the intrinsic value estimate for Nu Holdings Ltd. and find out whether today’s valuation is cheap or expensive by its own historical standards.

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M1Z Intrinsic Value
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Today vs. history

M1Z looks undervalued.
But is it cheap by its own standards?

See how today’s valuation compares with M1Z’s past valuations and how the stock performed after similar periods.

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Intrinsic Value Locked
Margin of Safety 20% Locked
Current Price €10.77
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Fundamental Analysis

What Nu Does

Banking Financials

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
Read the full company overview
View Company Overview

Nu Holdings has a narrow economic moat

No Moat Narrow Wide

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
Financials
Efficiency

Earnings Waterfall
Nu Holdings Ltd.

Wall St Price Targets

Capital Returns

Buyback Yield
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Debt Paydown Yield
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Competitive Landscape

Ownership

NU Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one M1Z stock?

The intrinsic value for Nu Holdings Ltd. (M1Z) under the Base Case is hidden EUR.

Is M1Z stock undervalued or overvalued?

Compared with the current market price of 10.765 EUR, the stock appears hidden.

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