Is Nu Holdings Ltd. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Nu Holdings Ltd. has moved from expensive to fair. Based on the current metrics, the company appears to be fairly valued. Key ratios include a P/E ratio of 27, a Price to Book Value of 6.80, and a PEG ratio of 0.42, indicating a potentially attractive growth relative to its price.
In comparison to its peers, Cisco Systems has a P/E of 23.85, while Accenture Plc has a P/E of 21.26, suggesting that Nu Holdings is priced higher than these competitors. However, its PEG ratio of 0.42 is lower than that of Fortinet, which stands at 0.7115, indicating that Nu may offer better growth prospects relative to its valuation. Over the past year, Nu Holdings has returned 5.93%, underperforming the S&P 500's 14.08%, but it has significantly outperformed the index with a 241.69% return over the last three years, reinforcing its growth potential despite current valuation metrics.