Question 1

Is NU a buy according to UQS?

Accepted Answer

UQS rates NU as Good at 65.4/100, driven primarily by its Growth pillar score of 100.0 — reflecting TTM revenue growth of 43.0% and forward EPS growth of 97.4%. The score is tempered by a Risk pillar of 34.3, reflecting interest coverage of 0.8x and a current ratio of 0.59. The label 'Good' places NU in the 51–70 range on the UQS scale. UQS Score is not a buy or sell recommendation.

Question 2

What is NU's PEG ratio and what does it mean?

Accepted Answer

NU carries a PEG ratio of 1.87, which falls in the 'fairly to expensively priced relative to growth' range — PEG above 1 generally indicates the market is paying a premium for expected earnings growth. The sector median PEG is 1.27, so NU trades at a meaningful premium to peers. This reflects the market's expectation of sustained high growth; forward EPS growth of 97.4% would need to materialize to justify the current multiple. See the [PEG ratio explainer](/learn/peg-ratio).

Question 3

Why might NU's UQS Score change?

Accepted Answer

The UQS Score is recalculated daily using trailing twelve-month financials and forward analyst consensus estimates. A deterioration in revenue growth, compression of operating margin below the current 24.5%, or a downward revision to the forward EPS growth estimate of 97.4% would pressure the Growth and Quality pillars. Conversely, improvement in interest coverage from its current 0.8x level would lift the Risk score of 34.3. Score changes of 5 points or more trigger a page regeneration.

Question 4

How does NU compare to APO and AON?

Accepted Answer

NU, APO (Apollo Global Management), and AON operate in distinct Financial Services sub-segments — digital banking, alternative asset management, and insurance brokerage, respectively. NU's defining characteristic is its Growth score of 100.0 with TTM revenue growth of 43.0%, which is atypical for established financial firms. APO and AON operate with more mature revenue profiles and likely carry stronger moat scores given entrenched client relationships. NU's Risk score of 34.3 reflects its growth-phase balance sheet, whereas mature financial firms typically carry more stable coverage ratios.

Question 5

What drives NU's Moat score?

Accepted Answer

Cost advantage (12/20) and scale & ecosystem (11/20) lead NU's moat profile. The cost advantage reflects the structural savings from operating without physical branches — a zero-branch digital model reduces overhead materially versus traditional banks. Scale & ecosystem reflects the growing breadth of financial products on a single platform. Switching costs (8/20) and network effects (3/20) are limited, meaning customer retention depends more on product value and pricing than on structural lock-in. See the [economic moat framework](/learn/economic-moat).

Date	UQS	Quality	Moat	Growth	Risk	Value	Change
Jul 9, 2026	65.3	63.3	43.0	100.0	41.2	84.0	+0.1
Jul 8, 2026	65.2	63.2	43.0	100.0	41.2	83.1	+0.3
Jul 7, 2026	64.9	63.0	43.0	100.0	41.2	81.4	-0.3
Jul 3, 2026	65.2	63.2	43.0	100.0	41.2	83.0	-0.1
Jul 2, 2026	65.3	63.3	43.0	100.0	41.2	83.7	0.0
Jul 1, 2026	65.3	63.3	43.0	100.0	41.2	83.9	-0.1
Jun 29, 2026	65.4	63.4	43.0	100.0	41.2	84.5	-0.1
Jun 28, 2026	65.5	63.4	43.0	100.0	41.2	84.7	+0.2
Jun 27, 2026	65.3	63.4	43.0	100.0	41.2	83.5	-0.6
Jun 26, 2026	65.9	63.7	43.0	100.0	41.2	86.8	+0.1

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