Fintech House is a hub for fintech, insurtech, regtech, AI, crypto, cybersecurity, and blockchain startups in Europe, providing coworking space, acceleration, and community support.

Fintech House

Bits Technology provides solutions for simplifying business onboarding and ensuring secure, compliant operations. This service supports businesses in their growth and partnership processes.

Bits Technology

Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

Nu Holdings Ltd.

Omni provides various financial services including car, motorcycle, and truck financing, as well as personal loans and credit options. The information is self-described.

Metric
Company Name	Fintech House	Bits Technology	Nu Holdings Ltd.	Omni
Symbol			NU
MSH ID	COM:THEFINTECHHOUSE	BI:BITS	BR:COM:NUBANK	BR:COM:OMNI
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Commercial & Professional Services	Commercial & Professional Services	Financial Services	Financial Services & Finance
Industry	Financial Services	Technology	Banks - Diversified	Consumer Finance
Country	PT	BI	BR	BR
Stage
Employee Count		11	5.40K
Website	thefintechhouse.com	bits.bi	nubank.com.br	omni.com.br
LinkedIn			nubank
Founders

Metric
Market Cap			63.16B
Enterprise Value
Monthly Web Traffic	272	2.18K
Web Traffic Growth	-0.61	0.68
Valuation
Raised Capital

Metric
Revenue			7.01B
Revenue (LTM)
Revenue (NTM)
Gross Profit			4.70B
EBITDA			1.60B
Operating Income			1.54B
Net Income			1.03B
EPS			0.22
Diluted EPS			0.21
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.68
Operating Profit Margin			0.32
EBITDA Margin			0.23
Net Profit Margin			0.18
Return on Equity			0.24
Return on Assets			0.03
Return on Capital Employed			0.05

COM:THEFINTECHHOUSE

Fintech House

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			118.35
P/B Ratio			7.48
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			9.33
EV Multiple			35.20

Metric
Days Sales Outstanding			925.61
Days Payables Outstanding			2.54K
Days Inventory Outstanding
Operating Cycle			866.23
Cash Conversion Cycle			866.23
Asset Turnover			0.19

Metric
Operating Cash Flow			8.69B
Free Cash Flow			8.51B
Cash Flow to Debt			4.66
Operating Cash Flow/Sales			0.80
Free Cash Flow Yield			-0.03

Metric
Cash & Equivalents			5.92B
Accounts Receivable			-9.01B
Inventory
Goodwill			397.54M
Debt to Capitalization			0.25
Debt to Assets			0.03
Current Ratio			3.80
Quick Ratio			187.46

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.05
R&D to Revenue
SG&A to Revenue			0.26