Skip to content

NU 基本面深度分析報告

報告日期：2026-05-26 ｜ 語言：繁體中文 ｜ 數據來源：Yahoo Finance, Finviz, StockAnalysis, Roic.ai ｜ 分析師：CFA 級機構研究

目錄

# 章節 核心結論
1 執行摘要 評級：🟢 買入，基準目標價：$19.50 (+50.23%)
2 公司概覽與商業模式 憑藉強大品牌、網路效應及創新能力，具備深厚競爭護城河。
3 損益表深度分析 營收與淨利潤均呈現強勁增長，利潤率持續擴張，顯示規模效應。
4 資產負債表分析 穩健的資產負債表，充足現金儲備，債務管理良好。
5 現金流量深度分析 自由現金流轉正且持續增長，顯示強大現金創造能力。
6 獲利能力與資本效率 ROIC顯著高於WACC，強力創造股東價值。
7 估值深度分析 相較同業估值合理，DCF分析顯示顯著上行空間。
8 成長催化劑 新產品線擴張、市場滲透深化及地域多元化為主要成長動力。
9 風險矩陣 信用風險、宏觀經濟波動與監管變化為主要考量。
10 投資建議 強烈建議買入，適合成長型與長線投資者。

1. 執行摘要

Nu Holdings Ltd. (NU) 作為拉丁美洲領先的數位銀行平台，展現出卓越的成長動能與獲利改善。本報告基於其強勁的財務表現、擴張的客戶基礎、創新的產品策略以及有利的市場趨勢，給予「買入」評級。儘管面臨宏觀經濟和監管挑戰，NU 的數位化優勢和規模效應使其在競爭激烈的市場中脫穎而出。

1.1 核心評分儀表板

graph TD
    NU_RATING["🎯 NU 綜合評分<br/>總分：8.5/10"]

    F["📊 基本面<br/>8.5/10<br/>強勁的客戶增長與品牌認知度"]
    G["🚀 成長性<br/>9.0/10<br/>營收及淨利潤高速擴張"]
    P["💰 獲利能力<br/>8.5/10<br/>利潤率持續改善，ROIC > WACC"]
    B["🏦 財務健康<br/>8.0/10<br/>現金充裕，債務可控"]
    V["📈 估值<br/>8.5/10<br/>相較成長潛力，估值合理且具吸引力"]

    NU_RATING --> F
    NU_RATING --> G
    NU_RATING --> P
    NU_RATING --> B
    NU_RATING --> V

    F --> F1["✅ 龐大且不斷增長的客戶群體 (超過1億)<br/>✅ 強大的數位品牌與用戶黏性"]
    G --> G1["✅ 營收 YoY 成長 43.7%<br/>✅ 淨利潤 YoY 成長 55.9%"]
    P --> P1["✅ 淨利率 41.9%<br/>✅ ROE 30.1%"]
    B --> B1["✅ 淨現金 $9.76B<br/>✅ 債務負擔低於同業平均"]
    V --> V1["✅ Forward P/E 11.2x，低於成長率<br/>✅ PEG 約 0.32，顯示低估"]

1.2 評分進度條視覺化

╔══════════════════════════════════════════════════════════════╗
║                    NU 多維度評分儀表板 (1-10分)                ║
╠══════════════════════════════════════════════════════════════╣
║ 基本面強度  8.5 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░░  ★★★★☆           ║
║ 成長動能    9.0 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░  ★★★★★           ║
║ 獲利品質    8.5 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░░  ★★★★☆           ║
║ 財務健康    8.0 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░░░  ★★★★☆           ║
║ 估值合理性  8.5 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░░  ★★★★☆           ║
║ 護城河深度  8.8 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░  ★★★★☆           ║
║ 管理層執行  8.5 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░░  ★★★★☆           ║
║ 技術創新力  9.0 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░  ★★★★★           ║
╠══════════════════════════════════════════════════════════════╣
║ 綜合總分    8.5 ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓░░░  🏆 評語：強勁的成長型金融科技領導者，具備可觀上行潛力。║
╚══════════════════════════════════════════════════════════════╝

1.3 五大投資論點 + 三大核心風險

| 類型 | 項目 | 具體依據 | 信心度 | |------|------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------────────────────-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | Nu Holdings Ltd. | NU["NU 綜合評分
總分：8.5/10"]

F["📊 基本面<br/>8.5/10<br/>強勁的客戶增長與品牌認知度"]
G["🚀 成長性<br/>9.0/10<br/>營收及淨利潤高速擴張"]
P["💰 獲利能力<br/>8.5/10<br/>利潤率持續改善，ROIC > WACC"]
B["🏦 財務健康<br/>8.0/10<br/>現金充裕，債務可控"]
V["📈 估值<br/>8.5/10<br/>相較成長
Build: 2026-05-28 05:17 UTC | v1.0.0 | MkDocs Material