Nu Holdings Ltd. NU NYSE

Nu Holdings Ltd. (NU) generated $8.51B in operating cash flow for fiscal year 2025. After capital expenditures of $7.22M, free cash flow was $8.5B.

Free cash flow margin was 53.5% of revenue. Cash conversion ratio was 2.97x, indicating earnings are backed by cash.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (77/100, Pass) — $8.5B (53.5% FCF margin) supports a durable competitive advantage
• INCOME (70/100) — Cash conversion ratio was 2.97x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 68/100 with 5/7 criteria passed.