Nu HoldingsNU -1.03%75 EV-to-FCF is 49.71 as of Jun. 25, 2026, which is 206% above its 10-year median of 16.25. GuruFocus rates NU with a GF Score™ of 75/100 and a GF Value™ of $25.48 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,193 Banks companies, Nu Holdings ranks worse than 93.38% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Nu Holdings's Enterprise Value is $43,129 Mil.
Nu Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $868 Mil. Therefore, Nu Holdings's EV-to-FCF for today is 49.71.
The historical rank and industry rank for Nu Holdings's EV-to-FCF or its related term are showing as below:
NU'
s EV-to-FCF Range Over the Past 10 Years
Min: -48.95 Med: 16.25 Max: 114.64
Current: 49.71
During the past 8 years, the highest EV-to-FCF of Nu Holdings was 114.64. The lowest was -48.95. And the median was 16.25.
NU's EV-to-FCF is ranked worse than 93.38% of 1193
companies
in the Banks industry
Industry Median: 6.52
vs NU: 49.71
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Nu Holdings's PE Ratio (TTM) for today is calculated as:
Nu Holdings's share price for today is $12.46.
Nu Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.650.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Nu Holdings EV-to-FCF Related Terms
Nu Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Nu Holdings's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Nu Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Nu Holdings EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Nu Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Nu Holdings's EV-to-FCF falls into.
Nu Holdings's current Enterprise Value is $43,129 Mil.
Nu Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $868 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Nu Holdings (NU) has a EV-to-FCF of 49.71 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Nu Holdings and its competitors. This is 206% above median its historical median of 16.25. According to the industry distribution chart, Nu Holdings ranks #1114 out of 1193 companies in the Banks industry, placing it in the top 93.4%.
Is Nu Holdings' EV-to-FCF too high?
Nu Holdings' current EV-to-FCF of 49.71 is 206% above median its 10-year median of 16.25. The Banks industry median EV-to-FCF is 6.52. Nu Holdings' value of 49.71 is 662.4% above this industry median. Based on the distribution chart, Nu Holdings ranks #1114 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Nu Holdings has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nu Holdings' EV-to-FCF compare to TFC and FITB?
According to the Banks industry distribution chart, Nu Holdings ranks #1114 out of 1193 companies for EV-to-FCF. This places Nu Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.52. Nu Holdings' value of 49.71 is 662.4% above this benchmark. While the company's 10-year median is 16.25 vs. the industry median of 6.52, Nu Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nu Holdings's current EV-to-FCF of 49.71 is 662.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Nu Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nu Holdings's current EV-to-FCF is 49.71, which is 206% above median its own 10-year median of 16.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nu Holdings stock overvalued right now?
Based on GuruFocus' analysis, Nu Holdings (NU) is currently considered Significantly Undervalued. The stock's GF Value™ is $25.48, compared to a current price of $12.46 — trading 51.1% below its estimated fair value. The current EV-to-FCF is 49.71, which is 206% above median its 10-year median of 16.25 and 662.4% above the Banks industry median of 6.52. Nu Holdings' overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Nu Holdings (NU), the current EV-to-FCF is 49.71 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Nu Holdings (NU) Overvalued in 2026?
Based on GuruFocus' analysis, Nu Holdings stock appears to be undervalued.
The current stock price of $12.46 is trading 51.1% below its estimated GF Value™ of $25.48.
GuruFocus considers Nu Holdings to be Significantly Undervalued.
Key valuation signals for NU:
EV-to-FCF: 49.71 (206% above median its 10-year median of 16.25)
GF Value™: $25.48 vs. price of $12.46 (51.1% below fair value)
Industry Position: 662.4% above the Banks median (#1114 of 1193)
No single metric tells the full story. See the NU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nu Holdings Ltd is a Brazilian financial technology firm that offers digital banking services. Its services include Retail credit, SME credit, Payments, Customer assets, Insurance brokerage, E-commerce marketplace, and Mobile virtual network operator. It operates in single operating segment and geographically it operates in Brazil, Mexico, and Other countries with the majority of revenue deriving from Brazil.
75GF Score
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