Nu Holdings Ltd. NU NYSE

Nu Holdings Ltd. (NU) generated $2.5B in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $266K, free cash flow was $2.5B.

Free cash flow margin was 53.1% of revenue. Cash conversion ratio was 2.8x, 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) — $2.5B (53.1% margin) supports a durable competitive advantage
• INCOME (70/100) — Cash conversion ratio was 2.8x confirms earnings are backed by real cash flow

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