Nu Holdings Ltd. Class A (NU)
NYSE:NU
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NU Stock Chart & Stats
$15.34
$0.00(0.00%)
At close: 4:00 PM EST
$15.34
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$11.78 - $18.98
Previous CloseN/A
Volume6.89M
Average Volume (3M)47.96M
Market Cap
$57.99B
Enterprise Value$47.39B
Total Cash (Recent Filing)$30.32B
Total Debt (Recent Filing)$3.17B
Price to Earnings (P/E)18.2
Beta1.38
Next Earnings
Aug 18, 2026EPS Estimate
0.21Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.65
Shares Outstanding3,837,998,500
10 Day Avg. Volume65,939,477
30 Day Avg. Volume47,955,618
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)7.17
Price to Sales (P/S)5.10
P/FCF Ratio23.16
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue2.70
Enterprise Value/Gross Profit6.18
Enterprise Value/Ebitda11.44
Forecast
1Y Price Target
$16.84Price Target Upside9.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)0.86
Revenue Forecast (FY)$21.62B
Bulls Say, Bears Say
Bulls Say
Profitability & Cash GenerationSustained ~18% net margin with operating and free cash flow both near $3.7B (TTM) indicates earnings reliably convert to cash. This durable cash generation supports reinvestment, provisioning and capital planning, lowering dependence on volatile external funding.
Scale & Customer EngagementA 135 million customer base with high activity (83% monthly) provides structural scale, low incremental CAC for SMEs and strong cross‑sell potential. Scale supports unit economics, network effects and market share gains that underpin long-term revenue durability across Brazil, Mexico and Colombia.
AI-driven Productivity & DifferentiationEnterprise-wide AI adoption (near 100% usage), production foundation models and AI Private Banker reaching >15M users create durable productivity and decisioning advantages. This lowers cost-to-serve, accelerates underwriting and product personalization, reinforcing a scalable, defensible digital moat.
Bears Say
Rising Reported DebtA material uptick in reported total debt (~$39.4B TTM) raises refinancing and liquidity risk if market funding tightens. Even with moderate D/E, elevated absolute debt reduces strategic flexibility for acquisitions, buybacks or aggressive provisioning during stress periods.
Higher Provisions & Risky MixLarge quarter-over-quarter CLA builds and a tilt of new exposure toward credit cards/unsecured lending increase upfront expected losses and compress risk-adjusted margins. Persistent growth concentrated in higher-loss products can raise volatility in credit costs and require more capital/coverage.
Deposit & Funding HeadwindsSeasonal deposit declines, Mexico outflows and higher deposit funding costs (88% of interbank rate) strain funding mix and NIM durability. Reliance on volatile deposits or more expensive liabilities increases sensitivity to market rates and complicates long-term liquidity management.
Nu Holdings News
NU 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 $11.78 and its highest was $18.98 in the past 12 months.
What is Nu Holdings Ltd. Class A’s market cap?
Nu Holdings Ltd. Class A’s market cap is $57.99B.
When is Nu Holdings Ltd. Class A’s upcoming earnings report date?
Nu Holdings Ltd. Class A’s upcoming earnings report date is Aug 18, 2026 which is in 76 days.
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 $0.178 earnings per share for the quarter, missing the consensus estimate of $0.197 by -$0.019.
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 0.21.
How many shares outstanding does Nu Holdings Ltd. Class A have?
Nu Holdings Ltd. Class A has 3,837,998,500 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 $0.178 in its last earnings report, missing expectations of $0.197. Following the earnings report the stock price went down -5.723%.
Which hedge fund is a major shareholder of Nu Holdings Ltd. Class A?
Currently, no hedge funds are holding shares in NU
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:
$16.84 (9.80% Upside)
$16.84 (9.80% Upside)
Blogger Sentiment
Bullish
NU Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 14.7M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $4.7M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days <0.1%
Last 30 Days ▼ 1.7%
Last 30 Days ▼ 1.7%
News Sentiment
Bullish
Bullish news 79%
Bearish news 25%
Bearish news 25%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-0.58%
12-Months-Change
Fundamentals
Return on Equity
28.94%
Trailing 12-Months
Asset Growth
42.93%
Trailing 12-Months
Company Description
Nu Holdings Ltd. Class A
Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.
NU Company Deck
NU 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 NU earnings summariesNU Stock 12 Month Forecast
Average Price Target
$16.84
▲(9.80% Upside)
Technical Analysis
Ownership Overview
0.80% Insiders
15.10% Mutual Funds
37.76% Other Institutional Investors
37.02% Public Companies and Individual Investors