Nu Holdings Ltd. NU NYSE

Nu Holdings Ltd. (NU) reported exceptional year-over-year revenue growth of +38.6% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed exceptional earnings expansion of +45.5% YoY, reaching $892M in the latest quarter. The net profit margin is 19%, which is high. The company has maintained profitability in all 4 quarters. The gross margin is 42.7% (moderate), down 3.2pp vs the prior year. With a $74B market cap, MOAT composite score of 68/100 (moderate competitive position).

Criteria proven by this page:

• GROWTH (100/100, Pass) — proving strong growth momentum
• PAST (75/100, Pass) — proving consistent earnings. Looking at the full 8-year annual 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 (68/100, Partial) — some competitive advantages are present but not dominant

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