Price
$14.21+3.95%Social Signal Score
Analyst Ratings
23 analysts52-week range
- Last close
- $14.21
- Off 52w high
- -24.3%
- 200-day average
- $15.03
- vs 200-day
- -5.4%
Revenue
$5.52B+2453.38%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- David Velez Osorno
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 8,037
- Beta
- 0.94
- Country
- BR
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- 0.66
Financials
Revenue
$5.52B+2453.4%Net Income
$1.06BEBITDA
$1.24BFree Cash Flow
$-2.93BEPS (diluted)
$0.22Shares Outstanding (diluted)
4.90B+6.4%Operating Expenses
$206.13MCash & Debt
$33.27BReturn of Capital
$500.39MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $15.88B | $2.87B | $0.59 |
| 2024 | $11.10B | $1.97B | $0.41 |
| 2023 | $7.67B | $1.03B | $0.22 |
| 2022 | $4.52B | $-364.58M | $-0.08 |
| 2021 | $1.51B | $-164.99M | $-0.04 |
| 2020 | $574.99M | $-171.49M | $-0.04 |
| 2019 | $469.23M | $-92.53M | $-0.02 |
| 2018 | $253.39M | $-28.58M | $-0.01 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $0.87
- Implied price
- $24.42
- Return from $15.18
- 10.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $12.14 — -20.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 20 | 24 | 28 | 32 | 36 |
|---|---|---|---|---|---|
| -2.0% | -6.7% | -3.2% | -0.2% | 2.5% | 4.9% |
| 3.0% | -1.9% | 1.7% | 4.9% | 7.7% | 10.3% |
| 8.0% | 2.8% | 6.6% | 10.0% | 13.0% | 15.7% |
| 13.0% | 7.6% | 11.6% | 15.1% | 18.2% | 21.0% |
| 18.0% | 12.3% | 16.5% | 20.2% | 23.4% | 26.4% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
168+126.91%Social Signal Score
Mentions (41)
- Newsfool.com·18h ago·Neutral
Why Nu Holdings Stock Rallied Today Investors are betting that Presidential candidate Flávio Bolsonaro will bring needed economic reforms to Brazil. The right-wing candidate won a surprising majority ahead of a run-off election later this month.
View source ↗ - Newsinvezz.com·19h ago·Positive
What's driving NU stock higher today and what comes next? Nu Holdings (NU) stock is ripping higher on Monday morning following a surprise turn of events in Brazil's presidential election, where an unexpected “first-round” showing ignited a broader relief rally across Latin American assets. More importantly, analysts at Goldman Sachs believe the neobank has massive runway remaining; they reiterated a high-conviction Buy rating on NU today.
View source ↗ - Newsproactiveinvestors.com·20h ago·Positive
Nu Holdings shares jump after Bolsonaro election upset Nu Holdings (NYSE:NU) shares surged about 13% in early trading on Monday after rightwing Brazilian senator Flávio Bolsonaro outperformed expectations in the first round of the country's presidential election, boosting Brazil-focused stocks. The shares were part of a broader rally in US-listed Brazilian companies as investors interpreted Bolsonaro's strong showing as increasing the prospect of tighter fiscal policy, lower taxes and a more bu…
View source ↗ - Newsbenzinga.com·22h ago·Positive
Nu Stock Rises After Bolsonaro Beats Expectations in Brazil's First-Round Vote Nu Holdings Ltd. (NYSE:NU) shares are trading higher Monday after Flávio Bolsonaro, a right-wing Brazilian senator, beat expectations in the first round of Brazil's presidential election.
View source ↗ - Newsinvezz.com·2d ago·Positive
Goldman Sachs explains why it is bullish on Nu Holdings stock Nu Holdings stock has pulled back sharply in recent months, falling from a high of $18.95 in January to around $13.43 today. Despite the decline, the long-term growth story remains intact, supported by the company's expanding customer base, strong presence in Brazil, and continued push into other Latin American markets such as Mexico and Colombia.
View source ↗ - Newszacks.com·3d ago·Positive
Nu Holdings Ltd. (NU) Outpaces Stock Market Gains: What You Should Know Nu Holdings Ltd. (NU) closed the most recent trading day at $13.44, moving +1.09% from the previous trading session.
View source ↗ - Newsfool.com·4d ago·Negative
Is Nu Holdings a Millionaire-Maker Stock? Nu's digital banking platform continues to attract new customers, driving rapid revenue and profit growth. Credit cards represent a sizable percentage of the company's credit exposure, increasing risk.
View source ↗ - Newszacks.com·4d ago·Neutral
Nu Holdings Ltd. (NU) Is a Trending Stock: Facts to Know Before Betting on It Recently, Zacks.com users have been paying close attention to Nu (NU). This makes it worthwhile to examine what the stock has in store.
View source ↗ - Newsbenzinga.com·4d ago·Neutral
What's Going On With Nu Stock Thursday? Nu Holdings Ltd. (NYSE:NU) shares are trading higher Thursday on possible continued momentum after the company confirmed on Wednesday it is not pursuing a transaction with Monzo.
View source ↗ - Newsreuters.com·5d ago·Neutral
Brazil's Nubank says it is not pursuing deal with Monzo Brazilian digital lender Nubank said on Wednesday it is not pursuing a transaction with Monzo, after media reports had said Nubank was in early-stage talks to acquire the British digital bank.
View source ↗ - Newsbusinesswire.com·5d ago·Neutral
Nu Holdings Ltd. Statement Regarding Media Reports GRAND CAYMAN, Cayman Islands--(BUSINESS WIRE)--Nu Holdings Ltd. (NYSE: NU) ("Nu" or the "Company") refers to recent media reports regarding a potential transaction. As a matter of general practice, the Company does not comment on specific opportunities. However, given the extent of recent media speculation, the Company is providing this clarification: while we have a great deal of respect for Monzo, the Company is not pursuing a transaction with…
View source ↗ - Newsseekingalpha.com·7d ago·Positive
Nu Holdings: Massive User Growth That The Market Does Not Reward Nu Holdings is rated a buy, driven by sustained user growth, strong operating efficiency, and replicable expansion across Latin America. NU reported 55% YoY revenue growth, 66% YoY net income growth, and a 33% ROE in Q2 2026, with ARPAC rising to $17. The company's main risk is its 85% customer concentration in Brazil, exposing it to currency and macroeconomic volatility.
View source ↗ - Newszacks.com·7d ago·Neutral
Nu Holdings Ltd. (NU) Declines More Than Market: Some Information for Investors The latest trading day saw Nu Holdings Ltd. (NU) settling at $12.23, representing a -10.01% change from its previous close.
View source ↗ - Newsinvezz.com·7d ago·Positive
Needham says buy Nu stock as it sinks on acquisition reports Nu Holdings (NU) stock is slipping this morning as investors digest media reports that the fintech firm is in preliminary talks to acquire UK-based digital bank Monzo. But Needham's senior Kyle Peterson believes the pullback is unwarranted and has actually created a meaningful buying opportunity for long-term investors.
View source ↗ - Newsreuters.com·10d ago·Neutral
Monzo in talks on sale to Nubank at about £10 billion valuation, Sky News reports Brazil's Nubank is in early-stage talks with British digital bank Monzo about a potential combination that could value Monzo at between £8 billion and £10 billion ($10.60 billion - $13.25 billion), Sky News reported on Saturday.
View source ↗ - Newszacks.com·11d ago·Neutral
Nu Holdings Expands Lending: Can Credit Quality Hold Up? NU's lending engine is gaining momentum, but rising long-term delinquencies keep credit quality firmly in focus.
View source ↗ - Newsfool.com·12d ago·Negative
Prediction: Nu Holdings Will Earn More Than $5 Billion in 2027 Nu Bank is seeing nice earnings growth and should reach $5 billion in net income next year. It is doing well in Brazil while growing rapidly in Mexico and Colombia.
View source ↗ - Newspymnts.com·12d ago·Neutral
Revolut and Nubank Face Steep Climb in Scaling US Banking Revolut and Nubank, the world's two most-valued digital banks, want to conquer the United States, the Financial Times reported Wednesday (Sept. 23). Both companies obtained conditional approval for U.S. banking charters this year, and Brazil-based Nubank officially debuted its offering this month.
View source ↗ - Newszacks.com·17d ago·Neutral
Nu Holdings Ltd. (NU) Stock Declines While Market Improves: Some Information for Investors Nu Holdings Ltd. (NU) closed at $13.65 in the latest trading session, marking a -1.37% move from the prior day.
View source ↗ - Newszacks.com·18d ago·Neutral
Investors Heavily Search Nu Holdings Ltd. (NU): Here is What You Need to Know Nu (NU) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
View source ↗ - Newsfool.com·23d ago·Neutral
Is Nu Holdings Stock a Buy, Sell, or Hold With Shares 20% Below Their 52-Week High? Nu added 4 million customers in the second quarter, and it got bank charters in Mexico and Brazil. Average revenue per user increased from $11.60 to $17.10.
View source ↗ - Newszacks.com·24d ago·Neutral
Nu Enters the US Market: Can Its Latin American Playbook Travel? Nu enters U.S. banking with high-yield deposits and no-fee rewards, testing whether its proven Latin American digital banking model can travel.
View source ↗ - Newsseekingalpha.com·25d ago·Positive
Nu Holdings Is Undervalued With An Attractive Upside Nu Holdings delivers 40%+ revenue growth, 30%+ ROE, and a 17.6% efficiency ratio, outpacing both traditional banks and tech peers. NU's digital-only, AI-driven model enables a 20:1 revenue-to-cost ratio, fueling exceptional operating leverage and profitability. With 135M customers, NU's growth is driven by product penetration, cohort maturation, and expansion in Mexico and Colombia.
View source ↗ - Newsseekingalpha.com·25d ago·Neutral
Nu Holdings Ltd. (NU) Discusses Vision and Strategy for Global Growth and Digital Banking Transformation Prepared Remarks Transcript Nu Holdings Ltd. (NU) Discusses Vision and Strategy for Global Growth and Digital Banking Transformation Prepared Remarks Transcript
View source ↗ - Newszacks.com·27d ago·Neutral
NU Holdings AI Push: Can NuFormer Strengthen Its Competitive Edge? NU deepens its AI push with NuFormer, using a vast database to drive underwriting, service and growth.
View source ↗ - Newsbusinesswire.com·33d ago·Positive
Nu Holdings Announces Investor Day for December 8, 2026 SÃO PAULO--(BUSINESS WIRE)--Nu Holdings Ltd. ("Nu" or the "Company") (NYSE: NU), one of the world's largest digital banking platforms, today announced that it will host its first Investor Day on Tuesday, December 8, 2026, in New York City, with both in-person and virtual attendance available. The event will feature presentations by David Vélez, Founder and global Chief Executive Officer, and other members of Nu's senior management team, cov…
View source ↗ - Newsfool.com·43d ago·Neutral
Should You Buy, Sell, or Hold Nu Holdings Now That Its Earnings Are Out? Nu Holdings continues to grow its revenue and customers rapidly. Growth continues without sacrificing credit cost or quality.
View source ↗ - Newsfool.com·47d ago·Neutral
Nu Holdings Stock: Buy or Sell? Nu Holdings (NU +1.81%) Stock: Buy or Sell?
View source ↗ - Newsseekingalpha.com·47d ago·Neutral
Nu Holdings Still Has A Massive Growth Runway Nu Holdings recently released its second quarter earnings and easily surpassed analyst estimates on both revenue and adjusted EPS. The company's high growth continued, with revenue up 39% and earnings up 49% y/y for the quarter. The bank's NPL ratios were a disappointing spot in the quarter: they remained far above average (less NPLs is better than more).
View source ↗ - Newsfool.com·51d ago·Neutral
Nu Holdings Banks More Than Half the Adults in Brazil Nu ended the second quarter with about 118 million customers in Brazil out of 138.9 million globally. Quarterly net income surpassed $1 billion for the first time, rising 49% year over year on a currency-neutral basis.
View source ↗ - Newsinvezz.com·52d ago·Positive
NU stock: why Q2 earnings may have unlocked further upside Nu Holdings (NU) shares are ripping higher this morning after the neobank reported blowout fiscal Q2 earnings, featuring a decisive top- and bottom-line beat. On the back of record unit economics, NU's revenue climbed 39% year-on-year to $5.9 billion – helping its net income soar a remarkable 49% to $1.1 billion in the second quarter.
View source ↗ - Newszacks.com·52d ago·Negative
NU Q2 Earnings Call Focuses on Margins, AI and Mexico NU says record risk-adjusted margins can stay near current levels as AI expands, credit holds firm and Mexico's banking push accelerates.
View source ↗ - Newsseekingalpha.com·52d ago·Neutral
Nu Holdings Q2: The First Billion-Dollar Quarter Deserves A Buy Rating NU Holdings (NU) delivered record Q2 2026 results, surpassing $1 billion in net income and achieving 39% YoY revenue growth with strong operational efficiency. NU's customer base expanded to 139 million, with rising activity rates and monthly revenue per active user up 22% YoY, while cost per user remains just $1. Risk-adjusted profit margin soared to 12.4%, driven by high-yielding credit products and effective risk managemen…
View source ↗ - Newsmarketbeat.com·53d ago·Negative
NU Q2 Earnings Call Highlights NU NYSE: NU reported second-quarter 2026 net income of $1.1 billion, its first quarter above the $1 billion mark, as customer growth, deeper engagement and expanding credit income supported profitability. Net income rose 49% year over year and 17% sequentially, while return on equity reached a record 33%.
View source ↗ - Newszacks.com·53d ago·Positive
Nu Holdings Ltd. (NU) Surpasses Q2 Earnings and Revenue Estimates Nu Holdings Ltd. (NU) came out with quarterly earnings of $0.22 per share, beating the Zacks Consensus Estimate of $0.2 per share.
View source ↗ - Newsseekingalpha.com·53d ago·Positive
Nu Holdings Ltd. (NU) Q2 2026 Earnings Call Transcript Nu Holdings Ltd. (NU) Q2 2026 Earnings Call Transcript
View source ↗ - Newsreuters.com·53d ago·Positive
Nubank quarterly net profit beats estimates, topping $1 billion for first time Brazilian digital lender Nubank's quarterly net profit surpassed $1 billion for the first time, beating analysts' estimates, and sending shares higher late on Thursday.
View source ↗ - Newsbusinesswire.com·53d ago·Neutral
Nu Holdings Ltd. Reports Second Quarter 2026 Financial Results SÃO PAULO--(BUSINESS WIRE)--Nu Holdings Ltd. (NYSE: NU) (“Nu” or the “Company”), the largest digital bank in Latin America, today released its financial results for the second quarter ended June 30, 2026, prepared in accordance with IFRS, as well as complementary managerial results. The financial statements and earnings presentation are available on the Company's Investor Relations website at www.investors.nu, along with details of t…
View source ↗ - Newsfool.com·54d ago·Neutral
Nu Holdings' Second-Quarter Earnings Report Tomorrow Could Send the Stock Soaring. Here's Why. For the digital bank, Mexico could well be the next Brazil, a ripe market with vast untapped potential. As lending growth accelerates, Nu Holdings will have to maintain its credit quality.
View source ↗ - Newszacks.com·54d ago·Neutral
Should You Buy, Hold or Sell Nu Holdings Stock Before Q2 Earnings? Nu Holdings enters Q2 earnings with strong customer and credit growth, but rising provisions and costs cloud the near-term risk-reward setup.
View source ↗ - Newsseekingalpha.com·58d ago·Positive
Nu Holdings Q2 Earnings Preview: Take Advantage Of A Clear Catalyst And A Compelling Valuation Nu Holdings is upgraded to a strong buy ahead of Q2 2026, citing the best entry point since April 2024. Desenrola 2.0, Brazil's consumer debt relief program, is a key catalyst, with NU leading 40% of renegotiated debt volume. Expected benefits include improved NPLs by 40–50 bps, NIM up 70 bps QoQ, and potential $18 million unlocked in provisions.
View source ↗
Earnings
Thu, Nov 12(in 5 weeks)
Consensus estimate $0.23 per share
Typical surprise +0.8% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Aug 13$0.22 vs $0.20beat
- Thu, May 14$0.19 vs $0.20miss
- Wed, Feb 25$0.19 vs $0.20miss
- Thu, Nov 13$0.17 vs $0.16beat
- Thu, Aug 14$0.14 vs $0.13beat
- Tue, May 13$0.11 vs $0.12miss
Estimates and results for NU via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by NU officers and directors.
- Bought
- —
- Sold
- $18.8m
0 trades
16 trades
- Junqueira Cristina Helena Zingarettisold
- Junqueira Cristina Helena Zingarettisold
- Fragelli Henrique Camossa Saldanhasold
- Junqueira Cristina Helena Zingarettisold
- Sands Anita Msold
- Junqueira Cristina Helena Zingarettisold
- Junqueira Cristina Helena Zingarettisold
- Schweiger Werner Jsold
84 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Robert P. Bresnahanhouse · PA08 · disclosed Jun 24, 2025 (32d later)Sell$1,001 - $15,000
- Byron Donaldshouse · FL19 · disclosed May 26, 2025 (46d later)Sell$1,001 - $15,000
- Byron Donaldshouse · FL19 · disclosed May 26, 2025 (46d later)Sell$1,001 - $15,000
- Robert P. Bresnahanhouse · PA08 · disclosed Apr 10, 2025 (31d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Nov 16, 2023 (36d later)Sell$100,001 - $250,000
- Thomas Hawley Tubervillesenate · AL · disclosed Jun 15, 2023 (38d later)Buy$15,001 - $50,000
- Thomas Hawley Tubervillesenate · AL · disclosed Jan 13, 2023 (25d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Dec 14, 2022 (43d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Nov 10, 2022 (28d later)Buy$15,001 - $50,000
- Thomas Hawley Tubervillesenate · AL · disclosed Nov 10, 2022 (30d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Nov 10, 2022 (35d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Oct 12, 2022 (36d later)Buy$1,001 - $15,000
- Thomas Hawley Tubervillesenate · AL · disclosed Apr 8, 2022 (18d later)Buy$15,001 - $50,000
- Thomas Hawley Tubervillesenate · AL · disclosed Apr 8, 2022 (17d later)Buy$1,001 - $15,000
- Doris Matsuihouse · CA06 · disclosed Jun 22, 2021 (11d later)Buy$500,001 - $1,000,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.
