Recent News
Aug 14, 2025 — Nu Holdings released Q2’25 results reporting revenue of $3.7 billion and net income of $637 million, with deposits rising to $36.6 billion and global customer count near 122.7 million. Jul 25, 2025 — Broker consensus reports an average 12‑month price objective around $15.50 and a mixed analyst mix of buy/hold/sell recommendations. Jul 20, 2025 — Market commentary flagged unusually high options call volume in a single session, with call purchases materially above typical levels.
Technical Analysis
Directional indicators (ADX / DI+ / DI-): ADX at 30.2 signals a strong trend environment in place. DI+ decreasing while DI- increasing indicates the directional balance favors downside pressure; that directional shift amplifies the immediate negative bias against the current valuation.
MACD: MACD at 0.26 with a declining MACD_trend and a MACD signal at 0.43 shows momentum rolling over; MACD sits below its signal line, which aligns with weakening upside momentum and supports a near-term bearish tilt.
MRO (Momentum/Regression Oscillator): MRO at 1.74 registers positive, which implies price sits above the model target and therefore carries a tendency to correct downward; the decreasing MRO_trend reinforces the probability of mean reversion toward the target implied by valuation indicators.
RSI and short-term overlays: RSI at 61.14 with a peak & reversal pattern signals a momentum top. The 12‑day EMA shows a peak & reversal while the close ($15.13) sits below short-term EMAs and the 20‑day average ($15.74), indicating short-term internals have lost upward conviction even as the price remains above the 50‑day ($14.35) and 200‑day ($12.57) averages. Price sits just below the 1x lower Bollinger band ($15.28), suggesting immediate compression after a recent run.
Volatility and breadth: 42‑day beta of 0.5 and low 42‑day volatility point to muted absolute swings, but above‑average daily volume relative to the 10‑day average confirms engagement; combined with the momentum rollover, this raises the probability of a contained pullback rather than a broad trend reversal.
Fundamental Analysis
Profitability & earnings: EPS actual $0.13 matched the estimate ($0.13) with an EPS surprise of 2.39%. Net income totaled $636,838,000 and income before tax $879,362,000. Return on equity equals 6.65% and return on assets equals 1.09%; both sit above the industry peer mean (return on equity industry peer mean 3.37%, return on assets industry peer mean 0.24%), indicating comparatively stronger capital returns despite mixed growth signals.
Top line and growth: Total revenue registers $2,509,867,000 while reported revenue growth year‑over‑year equals 113.26% and revenue growth quarter‑over‑quarter equals 73.56% per the supplied metrics. Free cash flow stands at $2,484,309,000 with a free cash flow yield of 3.95%, and free cash flow growth at 147.73% year‑over‑year according to the provided figures.
Leverage and balance sheet: Total debt $573,458,000 produces a debt‑to‑assets ratio of 0.91%, well below the industry peer mean of 11.41% and the industry peer median; debt‑to‑equity equals 5.99%, also well below the industry peer mean (177.09%), highlighting notably low financial leverage versus peers.
Valuation multiples: Trailing PE stands at 96.42 and forward PE at 78.60, both above the industry peer mean (PE mean 43.84; forward PE mean 54.32). Price‑to‑sales equals 25.06 and price‑to‑book equals 6.57, each above the industry peer means. PEG ratio near 11.57 also exceeds the industry peer mean of 3.23. These multiple differentials indicate the market prices elevated future performance into the stock and leave limited margin for disappointment.
Short summary valuation: WMDST values the stock as over‑valued given elevated multiples versus peer means alongside the current momentum rollover and price sitting above the consensus mean target ($14.33), which together imply valuation‑sensitive downside risk.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-06-30 |
| REPORT DATE: | 2025-08-14 |
| NEXT REPORT DATE: | 2025-11-10 |
| CASH FLOW | Begin Period Cash Flow | $ 10.3 B |
| Operating Cash Flow | $ 2.6 B | |
| Capital Expenditures | $ -70.38 M | |
| Change In Working Capital | $ -2.01 B | |
| Dividends Paid | — | |
| Cash Flow Delta | $ 3.0 B | |
| End Period Cash Flow | $ 13.3 B | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 2.5 B | |
| Forward Revenue | $ 738.0 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 23.1 M | |
| Depreciation and Amortization | $ 23.1 M | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 3.1 B | |
| Interest Expense | $ 1.0 B | |
| Net Interest Income | $ 2.1 B | |
| Income Before Tax | $ 879.4 M | |
| Tax Provision | $ 242.4 M | |
| Tax Rate | 27.563 % | |
| Net Income | $ 636.8 M | |
| Net Income From Continuing Operations | $ 637.0 M | |
| EARNINGS | ||
| EPS Estimate | $ 0.13 | |
| EPS Actual | $ 0.13 | |
| EPS Difference | $ 0.00 | |
| EPS Surprise | 2.39 % | |
| Forward EPS | $ 0.15 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 62.7 B | |
| Intangible Assets | $ 924.6 M | |
| Net Tangible Assets | $ 8.7 B | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 17.2 B | |
| Net Receivables | $ 15.1 B | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | $ 11.2 B | |
| Short-Term Debt | $ 545.9 M | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | $ 573.5 M | |
| Total Liabilities | $ 53.2 B | |
| EQUITY | ||
| Total Equity | $ 9.6 B | |
| Retained Earnings | $ 4.7 B | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 1.98 | |
| Shares Outstanding | 4.832 B | |
| Revenue Per-Share | $ 0.52 | |
| VALUATION | Market Capitalization | $ 62.9 B |
| Enterprise Value | $ 63.5 B | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 25.291 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 6.552 | |
| Asset To Liability | 1.18 | |
| Debt To Capital | 0.057 | |
| Debt To Assets | 0.009 | |
| Debt To Assets QoQ | 30.946 % | |
| Debt To Assets YoY | 62.057 % | |
| Debt To Assets IPRWA | high: 0.208 mean: 0.114 median: 0.107 low: 0.073 NU: 0.009 |
|
| Debt To Equity | 0.06 | |
| Debt To Equity QoQ | 36.299 % | |
| Debt To Equity YoY | 64.082 % | |
| Debt To Equity IPRWA | high: 3.895 mean: 1.771 median: 1.44 low: 0.468 NU: 0.06 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 6.57 | |
| Price To Book QoQ | 0.259 % | |
| Price To Book YoY | -21.288 % | |
| Price To Book IPRWA | NU: 6.57 high: 3.53 mean: 1.692 median: 1.534 low: 0.004 |
|
| Price To Earnings (P/E) | 96.416 | |
| Price To Earnings QoQ | -1.042 % | |
| Price To Earnings YoY | -4.117 % | |
| Price To Earnings IPRWA | NU: 96.416 high: 53.922 median: 45.53 mean: 43.836 low: 28.223 |
|
| PE/G Ratio | 11.57 | |
| Price To Sales (P/S) | 25.063 | |
| Price To Sales QoQ | 0.0 % | |
| Price To Sales YoY | -9.573 % | |
| Price To Sales IPRWA | NU: 25.063 high: 17.484 median: 12.268 mean: 11.657 low: 0.049 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 78.6 | |
| Forward PE/G | 9.432 | |
| Forward P/S | 85.238 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.043 | |
| Asset Turnover Ratio QoQ | -0.694 % | |
| Asset Turnover Ratio YoY | -8.737 % | |
| Asset Turnover Ratio IPRWA | NU: 0.043 high: 0.022 median: 0.01 mean: 0.009 low: 0.004 |
|
| Receivables Turnover | 0.175 | |
| Receivables Turnover Ratio QoQ | 0.367 % | |
| Receivables Turnover Ratio YoY | 4.233 % | |
| Receivables Turnover Ratio IPRWA | high: 5.522 mean: 0.861 median: 0.37 low: 0.201 NU: 0.175 |
|
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | 521.175 | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.028 | |
| CapEx To Depreciation | -3.051 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 65.2 B | |
| Net Invested Capital | $ 10.1 B | |
| Invested Capital | $ 10.1 B | |
| Net Tangible Assets | $ 8.7 B | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 156.796 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | — | |
| Dividend Payout Ratio | — | |
| Dividend Rate | — | |
| Dividend Yield | — | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 15.754 % | |
| Revenue Growth | 11.531 % | |
| Revenue Growth QoQ | 73.555 % | |
| Revenue Growth YoY | 113.261 % | |
| Revenue Growth IPRWA | high: 25.77 % NU: 11.531 % mean: 0.768 % median: -0.982 % low: -10.715 % |
|
| Earnings Growth | 8.333 % | |
| Earnings Growth QoQ | -208.333 % | |
| Earnings Growth YoY | -75.001 % | |
| Earnings Growth IPRWA | high: 36.667 % NU: 8.333 % mean: 7.044 % median: 4.082 % low: -13.816 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 2.5 B | |
| Free Cash Flow Yield | 3.949 % | |
| Free Cash Flow Yield QoQ | 122.103 % | |
| Free Cash Flow Yield YoY | -13.946 % | |
| Free Cash Flow Yield IPRWA | high: 4.248 % NU: 3.949 % median: 3.765 % mean: -0.456 % low: -23.497 % |
|
| Free Cash Growth | 147.73 % | |
| Free Cash Growth QoQ | -793.08 % | |
| Free Cash Growth YoY | -127.163 % | |
| Free Cash Growth IPRWA | NU: 147.73 % high: 31.211 % mean: -84.382 % median: -111.732 % low: -390.766 % |
|
| Free Cash To Net Income | 3.901 | |
| Cash Flow Margin | 4.646 % | |
| Cash Flow To Earnings | 0.183 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.05 | |
| Return On Assets (ROA) | 1.089 % | |
| Return On Assets QoQ | 1.776 % | |
| Return On Assets YoY | -0.91 % | |
| Return On Assets IPRWA | NU: 1.089 % high: 0.724 % median: 0.279 % mean: 0.244 % low: 0.12 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | 0.067 | |
| Return On Equity QoQ | 2.75 % | |
| Return On Equity YoY | -5.499 % | |
| Return On Equity IPRWA | NU: 0.067 high: 0.053 mean: 0.034 median: 0.033 low: 0.02 |
|
| DuPont ROE | 7.004 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |