Nu Holdings Ltd. NU NYSE

Nu Holdings Ltd. (NU) has shown exceptional revenue growth over the past 3 years, expanding from $4.5B to $15.9B (average +52.5%/yr). Net income reached $2.9B, reflecting exceptional earnings expansion at +173.2%/yr on average. The net profit margin is 18.1%, which is high. the company was profitable in 3 out of the last 4 years tracked. The gross margin is 44.8% (moderate), with a +10.1pp trend over the period. With a $74B market cap and MOAT composite score of 77/100, the company has a strong competitive position.

Criteria proven by this page:

• GROWTH (100/100, Pass) — proving strong growth momentum
• PAST (75/100, Partial) — profitability has been inconsistent. Looking at the full 8-year history, the company was profitable in 3 of 8 years — a mixed long-term record
• INCOME (70/100, Pass) — proves strong profitability and pricing power
• MOAT (77/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

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