Nu Holdings Ltd (NU) — Quality & forensics

As of 2026-09-18 — refreshed nightly. Closelook readings from an investment research diary, not ratings or advice.

The Closelook module scores

51 /100 composite · 7 modules · general weight set

Valuation 50
Quality 60
Growth 83
Balance sheet 33
Cash quality 40
Capital allocation 23
Momentum 36

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

0.77 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

5/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

-1.62 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — above the −1.78 threshold the literature flags for earnings-manipulation risk. A screen, not an accusation.

Continue: the NU chart & overview · the earnings record

FAQ · from the current data · as of 2026-09-18

Quick answers

What is Nu Holdings Ltd's Closelook quality reading?

The composite reads 51/100 across 7 modules, as of 2026-09-18: valuation 50, quality 60, growth 83, balance sheet 33, cash quality 40, capital allocation 23, momentum 36. Closelook scores are research diary readings, not ratings or investment advice.

What is Nu Holdings Ltd's Altman Z-Score?

0.77, which sits in the distress zone (below 1.81) as of 2026-09-18. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is Nu Holdings Ltd's Piotroski F-Score?

5 of 9, as of 2026-09-18. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does Nu Holdings Ltd's Beneish M-Score indicate?

-1.62 — above the −1.78 threshold the literature flags for earnings-manipulation risk, as of 2026-09-18. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.

Related in the Closelook universe

same Closelook index seat first, then Banks - Regional. Scored names rank on their Closelook score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.