Nu Holdings Ltd. Class A Ordinary Shares (NU) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Nu Holdings Ltd. Class A Ordinary Shares (NU) scores 5.0 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on growth, and predictability is what holds it back.
2 pillars, profitability and solvency, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Nu Holdings Ltd. Class A Ordinary Shares’s filings do not show enough of the signs a moat leaves: 1 of 3 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
As of October 17, 2026, Nu Holdings Ltd. Class A Ordinary Shares scores 5.0 out of 10 on the Lemma Quality Score, a reading of mixed quality. In this band one or two pillars are usually holding the score up while others drag it down, which the breakdown below makes visible. Nothing in it comes from the share price or from forecasts: it is Nu Holdings Ltd. Class A Ordinary Shares’s own reported numbers, scored pillar by pillar.
Set against 261 Financials companies, Nu Holdings Ltd. Class A Ordinary Shares lands at the 27th percentile, in the lower half of the group, above the bottom quarter. The median across the group is 5.9, and the top quarter begins at 6.8, so Nu Holdings Ltd. Class A Ordinary Shares is below the typical company here.
There is no profitability score for Nu Holdings Ltd. Class A Ordinary Shares: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 255 Financials companies the median for this pillar is 6.8. Without it the overall leans on balance sheet, growth and consistency, and says little about margins or returns on capital.
Solvency has no score for Nu Holdings Ltd. Class A Ordinary Shares. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median solvency score across 140 Financials companies is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
On growth, Nu Holdings Ltd. Class A Ordinary Shares scores 7.1, a strong reading. Its peers have a median of 4.6 across 241 Financials companies, which places it well above them, at the 85th percentile. A high growth score rewards a business that is getting bigger in a way that reaches the bottom line, not just the top one.
On efficiency, Nu Holdings Ltd. Class A Ordinary Shares scores 5.5, an average reading. Its peers have a median of 5.8 across 211 Financials companies, which places it in line with them, at the 40th percentile. Middling efficiency is unremarkable on its own, though improvements here tend to show up in free cash flow first.
Nu Holdings Ltd. Class A Ordinary Shares’s predictability score is 2.5 out of 10 (weak). Against a median of 4.9 among 256 Financials companies, that is well below the group and the 15th percentile. Weak predictability means revenue or earnings have swung widely from year to year, so any single year’s figures are a less reliable guide.
The gap between Nu Holdings Ltd. Class A Ordinary Shares’s best and worst pillar is wide: growth at 7.1 against predictability at 2.5, 4.6 points apart. An average of two readings this different deserves a closer look than the headline number. Leading with growth is attractive as long as the expansion is earning a decent return. Uneven results make any single year a weaker guide to the next one.
Of everything that could lift Nu Holdings Ltd. Class A Ordinary Shares’s score, predictability matters most. Bringing it up to the 4.9 median of Financials companies would take the overall from 5.0 to roughly 5.9. With two pillars unscored, the overall rests on 55 of the 100 weight points, spread across the three pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to Nu Holdings Ltd. Class A Ordinary Shares by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Nu Holdings Ltd. Class A Ordinary Shares scores 5.0 out of 10, which reads as mixed quality. Its strongest pillar is growth, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Nu Holdings Ltd. Class A Ordinary Shares ranks at the 27th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Nu Holdings Ltd. Class A Ordinary Shares’s 5.0.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 17, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for NU are in the app.
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