Nu Holdings (NUN) AI Stock Analysis
Nu Holdings
(BMV:NUN)
No summary available
Nu Holdings (NUN) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- MXN 56.08B
- Dividend Yield
- ―
- Average Volume (3M)
- 51.09K
- Price to Earnings (P/E)
- 15.7
- Beta (1Y)
- 0.58
- Revenue Growth
- 39.27%
- EPS Growth
- 41.30%
- Country
- Mexico
- Employees
- 8,037
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Nu Holdings Business Overview & Revenue Model
Company Description
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 a...
Nu Holdings Earnings Call Summary
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.
Q2-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management's forward guidance emphasized sustaining operating leverage while continuing to invest: they expect the full‑year efficiency ratio to average about 20% (Q2 efficiency 19.5%), see risk‑adjusted NIM to remain in the same region as Q2's 12.4% (Q2 NIM 22.9%, NII $3.7B), and will cap incremental efficiency spending for U.S. entry at ~100 bps; balance‑sheet optimization (deposits $45.3B, loan portfolio $39.4B, LDR ~35%, cost of deposits ~88% of interbank) should bolster margins, and management reiterated disciplined credit provisioning (allowance $6.6B, coverage of 90+ at 244%, 15–90 day delinquency 4.8%, 90+ at 6.9%) and expects Mexico’s year‑end payment rule changes to accelerate digital adoption — all supporting confidence in sustaining profitability after Q2’s $1.1B net income and 33% ROE.
Nu Holdings Risk Analysis
Nu Holdings disclosed 1 risk factors in its most recent earnings report. Nu Holdings reported the most risks in the "Legal & Regulatory" category.
Latest Risks Added
0 New RisksNu Holdings Peers Comparison
Overall Rating
BCH71Outperform
BBAR70Outperform
BBD64Neutral
BSBR57Neutral
GGAL52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BCH | 71Outperform | $18.61B | 15.24 | 21.27% | 5.99% | 3.94% | 3.40% |
| BBAR | 70Outperform | $2.55B | 13.29 | 8.15% | 3.87% | 5.91% | -32.85% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BBD | 64Neutral | $27.29B | 5.23 | 14.24% | 12.03% | 29.04% | 34.36% |
| BSBR | 57Neutral | $16.51B | 29.20 | 10.09% | 3.35% | 18.27% | 16.65% |
| GGAL | 52Neutral | $5.61B | 49.52 | 2.13% | 5.12% | 3.21% | -89.45% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MX:NUN | Nu Holdings Ltd. Class A | 217.88 | -80.51 | -26.98% | |
| BBD | Banco Bradesco | 2.55 | -0.71 | -21.85% | |
| BCH | Banco De Chile | 36.55 | 1.83 | 5.26% | |
| BSBR | Banco Santander Brasil SA | 4.41 | -1.18 | -21.17% | |
| BBAR | Banco Bbva Argentina | 11.61 | -5.19 | -30.87% | |
| GGAL | Grupo Financiero Galicia | 32.30 | -26.49 | -45.06% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.