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Nu HoldingsMIL:1NUH -1.37%51 FCF Margin % is 88.24% as of Jun. 2026, which is 264% above its 10-year median of 24.24. GuruFocus rates MIL:1NUH with a GF Score™ of 51/100 and a GF Value™ of €23.98 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,489 Banks companies, Nu Holdings ranks worse than 79.18% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Nu Holdings's Free Cash Flow for the
three
months ended in Jun. 2026 was €2,743 Mil. Nu Holdings's Revenue for the
three
months ended in Jun. 2026 was €3,109 Mil. Therefore, Nu Holdings's FCF Margin % for the quarter that ended in Jun. 2026 was 88.24%.
The historical data trend for Nu Holdings's FCF Margin % 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.
MIL:1NUH vs TFC, FITB, PNC: FCF Margin % Comparison
For the Banks - Regional subindustry, Nu Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Nu Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Nu Holdings's FCF Margin % falls into.
* 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 (MIL:1NUH) has a FCF Margin % of 88.24% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nu Holdings and its competitors. This is 264% above median its historical median of 24.24. According to the industry distribution chart, Nu Holdings ranks #1179 out of 1489 companies in the Banks industry, placing it in the top 79.2%.
Is Nu Holdings' FCF Margin % too high?
Nu Holdings' current FCF Margin % of 88.24% is 264% above median its 10-year median of 24.24. The Banks industry median FCF Margin % is 27.60. Nu Holdings' value of 88.24% is 219.7% above this industry median. Based on the distribution chart, Nu Holdings ranks #1179 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Nu Holdings has a GF Score™ of 51/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nu Holdings' FCF Margin % compare to TFC and FITB?
According to the Banks industry distribution chart, Nu Holdings ranks #1179 out of 1489 companies for FCF Margin %. This places Nu Holdings in the lower half of its industry. The industry median FCF Margin % is 27.60. Nu Holdings' value of 88.24% is 219.7% above this benchmark. While the company's 10-year median is 24.24 vs. the industry median of 27.60, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.60, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nu Holdings's current FCF Margin % of 88.24% is 219.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nu Holdings and its competitors. For the Banks industry, the median FCF Margin % is 27.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nu Holdings's current FCF Margin % is 88.24%, which is 264% above median its own 10-year median of 24.24. 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 (MIL:1NUH) is currently considered Significantly Undervalued. The stock's GF Value™ is €23.98, compared to a current price of €12.28 — trading 48.8% below its estimated fair value. The current FCF Margin % is 88.24%, which is 264% above median its 10-year median of 24.24 and 219.7% above the Banks industry median of 27.60. Nu Holdings' overall GF Score™ is 51/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Nu Holdings (MIL:1NUH), the current FCF Margin % is 88.24% as of Jun. 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 (MIL:1NUH) Overvalued in 2026?
Based on GuruFocus' analysis, Nu Holdings stock appears to be undervalued.
The current stock price of €12.28 is trading 48.8% below its estimated GF Value™ of €23.98.
GuruFocus considers Nu Holdings to be Significantly Undervalued.
Key valuation signals for MIL:1NUH:
FCF Margin %: 88.24% (264% above median its 10-year median of 24.24)
GF Value™: €23.98 vs. price of €12.28 (48.8% below fair value)
Industry Position: 219.7% above the Banks median (#1179 of 1489)
No single metric tells the full story. See the MIL:1NUH 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.
51GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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