M1Z Stock Chart & Stats
€12.42
€0.02(0.16%)
At close: 4:00 PM EDT
€12.42
€0.02(0.16%)
Day’s Range― - ―
52-Week Range€9.82 - €15.82
Previous CloseN/A
Volume490.00
Average Volume (3M)970.00
Market Cap
€58.03B
Enterprise Value€100.24K
Total Cash (Recent Filing)€30.32B
Total Debt (Recent Filing)€3.17B
Price to Earnings (P/E)21.0
Beta1.13
Next Earnings
Aug 13, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.65
Shares Outstanding3,807,883,800
10 Day Avg. Volume772
30 Day Avg. Volume970
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
€14.32Price Target Upside15.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)0.73
Revenue Forecast (FY)€19.39B
Bulls Say, Bears Say
Bulls Say
Scale & Customer EngagementNu’s >135M customers and very high monthly activity create a durable, low‑cost growth engine: scale lowers acquisition costs, increases cross‑sell runway, and sustains transactional revenue and ARPAC expansion across Brazil, Mexico and Colombia, supporting multi-year revenue resilience.
Profitability And Cash GenerationConsistent profitability (TTM net margin ~18%) and FCF roughly matching net income signal that earnings translate into cash. This supports reinvestment, buybacks and buffers for credit cycles, improving long‑term resilience versus earlier loss years and enabling strategic optionality.
AI-Driven Operating LeverageBroad AI adoption and production models (nuFormer) are boosting engineering throughput and decisioning speed, lowering marginal operating costs and improving credit/marketing efficiency. Structural productivity gains support sustainable margin expansion and scalable underwriting at lower incremental cost.
Bears Say
Rising Reported DebtThe sharp increase in reported total debt amplifies funding and liquidity risk if market conditions tighten. Higher leverage reduces flexibility for growth and increases sensitivity to deposit flows and interest spreads, making capital and liability management a longer‑term operational priority.
Higher Provisions And Credit Mix ShiftGrowing provisions and an intentional tilt toward unsecured cards and lending raise expected loss incidence and compress risk‑adjusted margins. Persistently higher upfront provisioning can weigh on incremental returns and requires sustained underwriting discipline to preserve long‑term unit economics.
Deposit/Funding & Execution RisksSeasonal deposit outflows and elevated deposit pricing erode funding advantage and could lift cost of funds over time. Combined with execution risk from international (U.S.) expansion, these factors increase the challenge of maintaining NIM and efficiency while scaling across new, competitive markets.
Nu Holdings News
M1Z FAQ
What was Nu Holdings Ltd. Class A’s price range in the past 12 months?
Nu Holdings Ltd. Class A lowest stock price was €9.82 and its highest was €15.82 in the past 12 months.
What is Nu Holdings Ltd. Class A’s market cap?
Nu Holdings Ltd. Class A’s market cap is €58.03B.
When is Nu Holdings Ltd. Class A’s upcoming earnings report date?
Nu Holdings Ltd. Class A’s upcoming earnings report date is Aug 13, 2026 which is tomorrow.
How were Nu Holdings Ltd. Class A’s earnings last quarter?
Nu Holdings Ltd. Class A released its earnings results on May 14, 2026. The company reported €0.154 earnings per share for the quarter, missing the consensus estimate of €0.171 by -€0.016.
Is Nu Holdings Ltd. Class A overvalued?
According to Wall Street analysts Nu Holdings Ltd. Class A’s price is currently Undervalued.
Does Nu Holdings Ltd. Class A pay dividends?
Nu Holdings Ltd. Class A does not currently pay dividends.
What is Nu Holdings Ltd. Class A’s EPS estimate?
Nu Holdings Ltd. Class A’s EPS estimate is 0.17.
How many shares outstanding does Nu Holdings Ltd. Class A have?
Nu Holdings Ltd. Class A has 3,807,883,800 shares outstanding.
What happened to Nu Holdings Ltd. Class A’s price movement after its last earnings report?
Nu Holdings Ltd. Class A reported an EPS of €0.154 in its last earnings report, missing expectations of €0.171. Following the earnings report the stock price went down -6.886%.
Which hedge fund is a major shareholder of Nu Holdings Ltd. Class A?
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:
€14.32 (15.29% Upside)
€14.32 (15.29% Upside)
Blogger Sentiment
Bullish
DE:M1Z Sentiment 85%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €222.8K 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
10.50%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
42.93%
Trailing 12-Months
Company Description
Nu Holdings Ltd. Class A
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple strong operational and financial achievements: record revenue and net income, rapid customer growth and engagement, ARPAC expansion, robust NII and NIM, substantial credit-book growth with attractive unit economics, and measurable AI-driven productivity gains. Management framed higher provisions and allowance builds as expected outcomes of seasonality, portfolio growth and mix (cards and unsecured lending) rather than deterioration in asset quality, reinforced by strong coverage (16.2%) and provisions running ahead of new NPL formation. Near-term headwinds include seasonal delinquency increases, higher upfront provisioning and some timing-driven OpEx normalization, plus deposit seasonality and FGTS-related secured lending impacts. Overall, the positives (record results, scalable margins, AI progress, diversified revenue, strong coverage) materially outweigh the near-term, explainable lowlights.View all DE:M1Z earnings summariesM1Z Stock 12 Month Forecast
Average Price Target
€14.32
▲(15.29% Upside)