M1Z Stock Chart & Stats
€12.32
€0.02(0.16%)
At close: 4:00 PM EDT
€12.32
€0.02(0.16%)
Day’s Range― - ―
52-Week Range€9.82 - €15.82
Previous CloseN/A
Volume490.00
Average Volume (3M)1.65K
Market Cap
€69.44B
Enterprise Value€97.71B
Total Cash (Recent Filing)€33.27B
Total Debt (Recent Filing)€42.02B
Price to Earnings (P/E)21.8
Beta1.02
Next Earnings
Nov 12, 2026EPS Estimate
0.2Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.74
Shares Outstanding3,807,883,800
10 Day Avg. Volume4,049
30 Day Avg. Volume1,648
Financial Highlights & Ratios
PEG Ratio0.65
Price to Book (P/B)7.17
Price to Sales (P/S)5.10
P/FCF Ratio23.16
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€16.36Price Target Upside32.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)0.78
Revenue Forecast (FY)€20.33B
Bulls Say, Bears Say
Bulls Say
Record Profitability And Expanding MarginsRecord earnings, high returns on equity, and expanding net interest margins indicate that Nu is converting its growing customer and lending base into stronger profits. Sustained operating leverage and improved risk-adjusted margins could support durable earnings growth over the next several quarters.
Large, Active Customer And Credit PlatformNu’s substantial customer base and high activity levels create a broad distribution platform for cards, deposits, lending, and other products. Continued portfolio growth and rising engagement can deepen customer relationships, improve product economics, and reinforce scale advantages in Latin America.
Expanded Mexican Banking CapabilitiesThe Mexican banking authorization gives Nu greater ability to broaden its product set and compete for deposits and lending relationships in a major growth market. Full-service capabilities can increase customer lifetime value and strengthen the platform’s position as adoption of digital banking develops.
Bears Say
Negative Trailing Operating And Free Cash FlowThe sharp TTM reversal to negative operating and free cash flow creates a meaningful gap between reported profitability and cash generation. If persistent, it could constrain internally funded growth and raise questions about working-capital timing, reinvestment needs, or the conversion of earnings into liquidity.
Rising Delinquency And Credit ProvisioningHigher long-dated delinquencies and a larger loss allowance show that rapid credit expansion is increasing portfolio risk. Although management cites seasonality and deliberate risk expansion, worsening credit performance could raise provisions, reduce risk-adjusted margins, and pressure future profitability.
TTM Revenue Growth SlowdownThe move from strong historical growth to negative TTM revenue growth signals a potential slowdown in customer monetization, product volumes, or market momentum. If it persists, weaker top-line expansion could limit operating leverage and make continued earnings growth more dependent on margins and cost control.
Nu Holdings News
M1Z FAQ
What was Nu Holdings’s price range in the past 12 months?
Nu Holdings lowest stock price was €9.82 and its highest was €15.82 in the past 12 months.
What is Nu Holdings’s market cap?
Nu Holdings’s market cap is €69.44B.
When is Nu Holdings’s upcoming earnings report date?
Nu Holdings’s upcoming earnings report date is Nov 12, 2026 which is in 30 days.
How were Nu Holdings’s earnings last quarter?
Nu Holdings released its earnings results on Aug 13, 2026. The company reported €0.196 earnings per share for the quarter, beating the consensus estimate of €0.177 by €0.02.
Is Nu Holdings overvalued?
According to Wall Street analysts Nu Holdings’s price is currently Undervalued.
Does Nu Holdings pay dividends?
Nu Holdings does not currently pay dividends.
What is Nu Holdings’s EPS estimate?
Nu Holdings’s EPS estimate is 0.2.
How many shares outstanding does Nu Holdings have?
Nu Holdings has 3,807,883,800 shares outstanding.
What happened to Nu Holdings’s price movement after its last earnings report?
Nu Holdings reported an EPS of €0.196 in its last earnings report, beating expectations of €0.177. Following the earnings report the stock price went up 10.235%.
Which hedge fund is a major shareholder of Nu Holdings?
Currently, no hedge funds are holding shares in DE:M1Z
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Nu Holdings Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€16.36 (32.79% Upside)
€16.36 (32.79% Upside)
Blogger Sentiment
Bullish
DE:M1Z Sentiment 87%
Sector Average 63%
Sector Average 63%
Insider Transactions
Sold Shares
Worth €4.7M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
4.87%
12-Months-Change
Fundamentals
Return on Equity
30.26%
Trailing 12-Months
Asset Growth
31.92%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Nu Holdings
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.
M1Z Company Deck
M1Z Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operational and financial performance: record profitability, broad-based portfolio growth, significant margin expansion, and meaningful progress in AI and product initiatives (Mexico banking license, new Croma offering). Headline results were tempered by seasonal delinquency dynamics, continued provisioning for portfolio growth, deposit optimization (notably in Mexico), and higher quarter operating expenses related to timing and investment. Management positioned most negatives as expected, disciplined, and/or strategic (intentional risk expansion, deposit optimization, one-time timing), while emphasizing sustainability of improved unit economics.View all DE:M1Z earnings summariesM1Z Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€16.36
▲(32.79% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
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