Nu Holdings Ltd. Class A
Find Ratings ReportsNU HOLDINGS LTD's gross profit margin for the fourth quarter of its fiscal year 2023 has increased when compared to the same period a year ago. The company grew its sales and net income significantly quarter versus same quarter a year prior, and was able to outpace the average competitor in the subsector when comparing revenue growth, but not when comparing net income growth.
At the same time, stockholders' equity ("net worth") has greatly increased by 30.98% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 2404.91 | 1450.54 |
EBITDA ($mil) | 1097.48 | 551.52 |
EBIT ($mil) | 1080.94 | 541.63 |
Net Income ($mil) | 360.88 | -297.61 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 13370.92 | 6950.34 |
Total Assets ($mil) | 43345.2 | 29934.87 |
Total Debt ($mil) | 1383.74 | 803.16 |
Equity ($mil) | 6406.39 | 4890.78 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 50.18 | 43.28 |
EBITDA Margin | 45.63 | 38.02 |
Operating Margin | 44.95 | 37.34 |
Sales Turnover | 0.19 | 0.16 |
Return on Assets | 2.37 | -1.21 |
Return on Equity | 16.09 | -7.45 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.18 | 0.14 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 4765.94 | 4694.79 |
Div / share | 0.0 | 0.0 |
EPS | 0.07 | -0.07 |
Book value / share | 1.34 | 1.04 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 3.2584452E7 | 2.548348E7 |
BUY. NU HOLDINGS LTD's P/E ratio indicates a significant premium compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant premium compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 8.64 indicates a significant premium versus the S&P 500 average of 4.68 and a discount versus the subsector average of 8.64. The price-to-sales ratio is well above both the S&P 500 average and the subsector average, indicating a premium. The valuation analysis reveals that, NU HOLDINGS LTD seems to be trading at a premium to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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NU 55.33 | Peers 17.75 | NU 43.74 | Peers 20.18 | |||||||||||||||||||||
Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations. NU is trading at a significant premium to its peers. |
Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. NU is trading at a significant premium to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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NU 18.59 | Peers 13.86 | NU 0.58 | Peers 1.78 | |||||||||||||||||||||
Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations. NU is trading at a significant premium to its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. NU trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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NU 8.64 | Peers 8.64 | NU 362.50 | Peers 24.72 | |||||||||||||||||||||
Average. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. NU is trading at a valuation on par with its peers. |
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. NU is expected to have an earnings growth rate that significantly exceeds its peers. |
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Price/Sales |
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Sales Growth |
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NU 6.90 | Peers 4.87 | NU 67.54 | Peers 44.87 | |||||||||||||||||||||
Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. NU is trading at a significant premium to its subsector. |
Higher. A sales growth rate that exceeds the subsector implies that a company is gaining market share. NU has a sales growth rate that significantly exceeds its peers. |
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