Nu Holdings (NUN) Stock Price & Analysis
NUN Stock Chart & Stats
- Day’s Range
- MXN 216.20 - MXN 228.20
- 52-Week Range
- MXN 194.51 - MXN 329.94
- Previous Close
- MXN 227.00
- Volume
- 4,940
- Average Volume (3M)
- 81.97K
- Market Cap
- MXN 1.05T
- Enterprise Value
- MXN 97.71B
- Total Cash (Recent Filing)
- MXN 33.27B
- Total Debt (Recent Filing)
- MXN 42.02B
- Price to Earnings (P/E)
- 15.7
- Beta
- 0.58
- Next Earnings
- Nov 12, 2026 (Est.)
- EPS Estimate
- 4.27
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Profitability And Margin Expansion
Record profitability and expanding risk-adjusted margins indicate that Nu is converting scale into stronger economics. If management sustains efficiency and credit discipline, the improved earnings profile can support continued investment and reinforce competitiveness across its core Latin American markets.
Customer Scale And Engagement
A large and highly active customer base provides Nu with durable distribution, recurring transaction opportunities, and a broad foundation for cross-selling credit and financial products. Rising activity and ARPAC can deepen monetization without requiring equivalent growth in customer acquisition.
Technology And AI Advantage
Nu’s proprietary technology and expanding AI deployment can improve underwriting, customer service, personalization, and operating efficiency at scale. Applying one platform across core decisions may strengthen unit economics and create a durable advantage over less digitally integrated financial institutions.
Bears Say
Negative TTM Cash Flow
The sharp TTM reversal to negative operating and free cash flow weakens the quality of reported earnings and reduces internally generated funding for expansion. Although prior annual periods were positive, sustained weakness would constrain flexibility and make growth more dependent on balance-sheet resources.
Rising Credit Risk
Higher long-dated delinquencies and a larger expected-loss allowance show that portfolio growth is carrying greater credit risk. Even with management describing the move as seasonal and deliberate, further deterioration could raise provisions, pressure margins, and reduce the benefit of lending expansion.
TTM Revenue Slowdown
A negative TTM revenue-growth rate interrupts Nu’s previously strong expansion trajectory and creates a risk that earnings momentum will weaken if the slowdown persists. Slower growth could reduce operating leverage, limit reinvestment capacity, and make credit-driven profitability less durable.
Nu Holdings News
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Nu Holdings Stock 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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- David Velez Osorno
- Employees
- 8,037
- Website
- nubank.com.br
- Address
- Rua Capote Valente, 39, São Paulo, SP, 05409-000, BR
Nu Holdings (NUN) Earnings & Revenues
NUN Company Deck
NUN Earnings Call
Earnings Call SentimentPositive
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 MX:NUN earnings summariesNUN Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 3 | 14 |
| Technical Analysis | 5 | 3 | 2 |
| Moving Averages | 0 | 0 | 12 |
