Nu Holdings Ltd. cash flow to debt ratio of 67.17% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Nu Holdings Ltd.'s free cash flow has increased 57.07% from $2.22B last year to $3.49B, signaling increasing performance

Nu Holdings Ltd.'s debt to equity ratio is 0.25, which means that the company's assets are healthy financed, signaling financial stability.

Nu Holdings Ltd.'s debt has increased relative to shareholder equity from 0.12 last year to 0.25 today, signaling weakened financials

Nu Holdings Ltd. has a net cash position, so leverage is healthy.

Nu Holdings Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.

Nu Holdings Ltd.'s profit margin has increased (2.19%) in the last year from 17.76% to 18.15%, signaling increasing performance

Nu Holdings Ltd.'s short-term liabilities of $59.81B exceed its short-term assets of $35.44B, signaling financial risk

Nu Holdings Ltd.'s return on assets of 4.11% is lower than the 5.00% threshold, indicating inefficient asset utilization

Nu Holdings Ltd.'s return on equity of 28.94%, is higher than 15.00%, indicating good performance

Nu Holdings Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Nu Holdings Ltd. has insufficient public price history to evaluate earnings stability.

Nu Holdings Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures

Nu Holdings Ltd. has a free cash flow yield of 5.20%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Nu Holdings Ltd.'s yearly earnings has increased 45.47% since last year from $1.97B to $2.87B, signaling increasing performance

Nu Holdings Ltd.'s yearly revenue has increased 42.99% since last year from $11.10B to $15.88B, signaling increasing performance

ROIC 16.47% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Nu Holdings Ltd.'s 3-year revenue CAGR of 52.03% is positive, indicating growing revenue over the past 3 years

Nu Holdings Ltd. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Nu Holdings Ltd. has insufficient public price history to evaluate ROE consistency.

Nu Holdings Ltd. is undervalued relative to its fair value price of 14.87 based on Discounted Cash Flow model

Nu Holdings Ltd. has an earnings yield of 4.73%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Nu Holdings Ltd. is overvalued relative to its fair value price of 7.78 based on EBITDA multiple model

Nu Holdings Ltd. has an EV/EBITDA ratio of 14.15x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Nu Holdings Ltd. has insufficient data to evaluate this check.

Nu Holdings Ltd. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Nu Holdings Ltd. has a price-to-book ratio of 5.35x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value

Nu Holdings Ltd. has a price-to-sales ratio of 3.84x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue