Nu Holdings Stock Z Score

NU Stock

USD 10.77 0.15 1.37%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Nu Holdings Piotroski F Score and Nu Holdings Valuation analysis.

For more information on how to buy Nu Holdings Stock please use our How to Invest in Nu Holdings guide.

At this time, Nu Holdings' Capital Surpluse is comparatively stable compared to the past year. Net Invested Capital is likely to gain to about 7.9 B in 2024, whereas Issuance Of Capital Stock is likely to drop 0.00 in 2024. At this time, Nu Holdings' Operating Income is comparatively stable compared to the past year. Net Income From Continuing Ops is likely to gain to about 390.6 M in 2024, whereas Total Operating Expenses is likely to drop slightly above 2.1 B in 2024.

Nu Holdings Company Z Score Analysis

Nu Holdings' Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Nu Holdings Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Nu Holdings is extremely important. It helps to project a fair market value of Nu Holdings Stock properly, considering its historical fundamentals such as Z Score. Since Nu Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Nu Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Nu Holdings' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Tangible Assets	Net Debt	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Long Term Debt Total	Capital Surpluse	Total Liab	Net Invested Capital	Long Term Investments	Total Current Assets	Capital Stock	Cash And Equivalents	Short Term Debt	Intangible Assets	Common Stock	Property Plant Equipment	Current Deferred Revenue	Short Term Investments	Deferred Long Term Liab	Short Long Term Debt
Total Assets		0.98	0.97	-0.9	0.87	0.92	0.96	0.99	0.77	0.96	1.0	0.99	0.87	0.74	0.88	-0.93	-0.66	0.99	0.88	0.97	-0.94	0.42	0.89	0.82
Total Stockholder Equity	0.98		1.0	-0.89	0.8	0.91	0.9	0.96	0.68	1.0	0.97	1.0	0.9	0.76	0.94	-0.94	-0.67	0.96	0.94	0.92	-0.91	0.53	0.9	0.76
Net Tangible Assets	0.97	1.0		-0.9	0.75	0.91	0.86	0.93	0.68	1.0	0.95	0.99	0.92	0.78	0.96	-0.95	-0.7	0.94	0.96	0.91	-0.87	0.59	0.9	0.71
Net Debt	-0.9	-0.89	-0.9		-0.62	-0.91	-0.82	-0.87	-0.87	-0.9	-0.9	-0.89	-0.94	-0.7	-0.89	0.94	0.77	-0.87	-0.89	-0.93	0.72	-0.67	-0.92	-0.57
Retained Earnings	0.87	0.8	0.75	-0.62		0.72	0.95	0.92	0.59	0.75	0.88	0.83	0.53	0.48	0.58	-0.65	-0.31	0.91	0.58	0.82	-0.97	-0.07	0.69	0.95
Accounts Payable	0.92	0.91	0.91	-0.91	0.72		0.85	0.89	0.87	0.91	0.92	0.91	0.93	0.77	0.92	-0.92	-0.68	0.89	0.92	0.91	-0.83	0.52	0.97	0.77
Long Term Debt	0.96	0.9	0.86	-0.82	0.95	0.85		0.98	0.75	0.86	0.96	0.92	0.71	0.58	0.73	-0.8	-0.52	0.98	0.73	0.95	-0.96	0.18	0.83	0.89
Net Receivables	0.99	0.96	0.93	-0.87	0.92	0.89	0.98		0.75	0.93	0.99	0.97	0.8	0.67	0.82	-0.87	-0.58	1.0	0.82	0.96	-0.97	0.31	0.87	0.87
Long Term Debt Total	0.77	0.68	0.68	-0.87	0.59	0.87	0.75	0.75		0.68	0.78	0.7	0.79	0.68	0.68	-0.81	-0.72	0.73	0.68	0.86	-0.63	0.4	0.79	0.62
Capital Surpluse	0.96	1.0	1.0	-0.9	0.75	0.91	0.86	0.93	0.68		0.95	0.99	0.93	0.78	0.96	-0.95	-0.7	0.93	0.96	0.91	-0.87	0.6	0.9	0.71
Total Liab	1.0	0.97	0.95	-0.9	0.88	0.92	0.96	0.99	0.78	0.95		0.98	0.86	0.73	0.86	-0.92	-0.65	0.99	0.86	0.97	-0.94	0.39	0.89	0.83
Net Invested Capital	0.99	1.0	0.99	-0.89	0.83	0.91	0.92	0.97	0.7	0.99	0.98		0.89	0.75	0.92	-0.93	-0.65	0.97	0.92	0.94	-0.93	0.49	0.9	0.79
Long Term Investments	0.87	0.9	0.92	-0.94	0.53	0.93	0.71	0.8	0.79	0.93	0.86	0.89		0.86	0.97	-0.98	-0.84	0.8	0.97	0.86	-0.69	0.77	0.9	0.54
Total Current Assets	0.74	0.76	0.78	-0.7	0.48	0.77	0.58	0.67	0.68	0.78	0.73	0.75	0.86		0.81	-0.89	-0.88	0.63	0.81	0.72	-0.61	0.57	0.62	0.49
Capital Stock	0.88	0.94	0.96	-0.89	0.58	0.92	0.73	0.82	0.68	0.96	0.86	0.92	0.97	0.81		-0.94	-0.74	0.83	1.0	0.83	-0.74	0.74	0.92	0.59
Cash And Equivalents	-0.93	-0.94	-0.95	0.94	-0.65	-0.92	-0.8	-0.87	-0.81	-0.95	-0.92	-0.93	-0.98	-0.89	-0.94		0.85	-0.86	-0.94	-0.91	0.77	-0.67	-0.86	-0.62
Short Term Debt	-0.66	-0.67	-0.7	0.77	-0.31	-0.68	-0.52	-0.58	-0.72	-0.7	-0.65	-0.65	-0.84	-0.88	-0.74	0.85		-0.54	-0.74	-0.74	0.42	-0.7	-0.57	-0.24
Intangible Assets	0.99	0.96	0.94	-0.87	0.91	0.89	0.98	1.0	0.73	0.93	0.99	0.97	0.8	0.63	0.83	-0.86	-0.54		0.83	0.95	-0.96	0.33	0.89	0.86
Common Stock	0.88	0.94	0.96	-0.89	0.58	0.92	0.73	0.82	0.68	0.96	0.86	0.92	0.97	0.81	1.0	-0.94	-0.74	0.83		0.83	-0.74	0.74	0.92	0.59
Property Plant Equipment	0.97	0.92	0.91	-0.93	0.82	0.91	0.95	0.96	0.86	0.91	0.97	0.94	0.86	0.72	0.83	-0.91	-0.74	0.95	0.83		-0.87	0.42	0.87	0.76
Current Deferred Revenue	-0.94	-0.91	-0.87	0.72	-0.97	-0.83	-0.96	-0.97	-0.63	-0.87	-0.94	-0.93	-0.69	-0.61	-0.74	0.77	0.42	-0.96	-0.74	-0.87		-0.13	-0.79	-0.95
Short Term Investments	0.42	0.53	0.59	-0.67	-0.07	0.52	0.18	0.31	0.4	0.6	0.39	0.49	0.77	0.57	0.74	-0.67	-0.7	0.33	0.74	0.42	-0.13		0.57	-0.09
Deferred Long Term Liab	0.89	0.9	0.9	-0.92	0.69	0.97	0.83	0.87	0.79	0.9	0.89	0.9	0.9	0.62	0.92	-0.86	-0.57	0.89	0.92	0.87	-0.79	0.57		0.72
Short Long Term Debt	0.82	0.76	0.71	-0.57	0.95	0.77	0.89	0.87	0.62	0.71	0.83	0.79	0.54	0.49	0.59	-0.62	-0.24	0.86	0.59	0.76	-0.95	-0.09	0.72

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Nu Holdings

Based on the company's disclosures, Nu Holdings has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Nu Holdings Institutional Holders

Institutional Holdings refers to the ownership stake in Nu Holdings that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Nu Holdings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Nu Holdings' value.

		Shares
Morgan Stanley - Brokerage Accounts	2023-12-31	59.6 M
Artisan Partners Limited Partnership	2023-12-31	54.1 M
D. E. Shaw & Co Lp	2023-09-30	48.6 M
Ribbit Management Company, Llc	2023-12-31	43.6 M
Redpoint Management, Llc	2023-12-31	42.4 M
Fidelity International Ltd	2023-12-31	41.8 M
T. Rowe Price Associates, Inc.	2023-12-31	41.2 M
Fmr Inc	2023-12-31	36.2 M
Kontiki Capital Management (hk) Ltd.	2023-12-31	35.7 M
Sc Us (ttgp), Ltd.	2023-12-31	252.3 M
Capital Research Global Investors	2023-12-31	175.2 M

Nu Holdings Fundamentals

	Return On Equity	0.18
	Return On Asset	0.0281
	Profit Margin	0.28 %
	Operating Margin	0.46 %
	Current Valuation	46 B
	Shares Outstanding	3.68 B
	Shares Owned By Insiders	21.70 %
	Shares Owned By Institutions	69.87 %
	Number Of Shares Shorted	61.08 M
	Price To Earning	22.70 X
	Price To Book	8.40 X
	Price To Sales	14.52 X
	Revenue	7.01 B
	Gross Profit	1.84 B
	EBITDA	1.6 B
	Net Income	1.03 B
	Cash And Equivalents	1.18 M
	Cash Per Share	1.00 X
	Total Debt	1.38 B
	Debt To Equity	0.13 %
	Current Ratio	0.76 X
	Book Value Per Share	1.34 X
	Cash Flow From Operations	8.69 B
	Short Ratio	2.11 X
	Earnings Per Share	0.21 X
	Target Price	11.52
	Beta	1.08
	Market Capitalization	52.04 B
	Total Asset	43.35 B
	Retained Earnings	1.28 B
	Working Capital	(828.13 M)
	Current Asset	2.1 B
	Current Liabilities	2.93 B
	Net Asset	43.35 B

About Nu Holdings Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Nu Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Nu Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Nu Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Nu Holdings Investors Sentiment

The influence of Nu Holdings' investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Nu Holdings. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.

Investor biases related to Nu Holdings' public news can be used to forecast risks associated with an investment in Nu Holdings. The trend in average sentiment can be used to explain how an investor holding Nu Holdings can time the market purely based on public headlines and social activities around Nu Holdings. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

Nu Holdings' market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Nu Holdings' and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Nu Holdings' news discussions. The higher the estimated score, the more favorable is the investor's outlook on Nu Holdings.

Nu Holdings Implied Volatility

50.32

Nu Holdings' implied volatility exposes the market's sentiment of Nu Holdings stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Nu Holdings' implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Nu Holdings stock will not fluctuate a lot when Nu Holdings' options are near their expiration.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Nu Holdings in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Nu Holdings' short interest history, or implied volatility extrapolated from Nu Holdings options trading.

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When determining whether Nu Holdings is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Nu Holdings Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Nu Holdings Stock. Highlighted below are key reports to facilitate an investment decision about Nu Holdings Stock:

How To Invest In Nu Holdings

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Is Nu Holdings Stock a good investment?

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What is Nu Holdings' Net Worth?

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Check out Nu Holdings Piotroski F Score and Nu Holdings Valuation analysis.

For more information on how to buy Nu Holdings Stock please use our How to Invest in Nu Holdings guide.

You can also try the Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.

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When running Nu Holdings' price analysis, check to measure Nu Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Nu Holdings is operating at the current time. Most of Nu Holdings' value examination focuses on studying past and present price action to predict the probability of Nu Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Nu Holdings' price. Additionally, you may evaluate how the addition of Nu Holdings to your portfolios can decrease your overall portfolio volatility.

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Is Nu Holdings' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Nu Holdings. If investors know Nu Holdings will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Nu Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

Earnings Share

0.21

Revenue Per Share

0.782

Quarterly Revenue Growth

0.922

Return On Assets

0.0281

The market value of Nu Holdings is measured differently than its book value, which is the value of Nu Holdings that is recorded on the company's balance sheet. Investors also form their own opinion of Nu Holdings' value that differs from its market value or its book value, called intrinsic value, which is Nu Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Nu Holdings' market value can be influenced by many factors that don't directly affect Nu Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Nu Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if Nu Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Nu Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Nu Holdings Stock Z Score

Nu Holdings Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Nu Holdings Z Score Driver Correlations

Nu Holdings Institutional Holders

Nu Holdings Fundamentals

About Nu Holdings Fundamental Analysis

Nu Holdings Investors Sentiment

Nu Holdings Implied Volatility

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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