NU$16.18
$16.16
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AI NU Summary
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Powered by LiveAIOverall Analysis
BuyNu Holdings shows strong growth potential driven by digital banking trends in emerging markets, supported by solid financial performance. Technicals suggest some near-term consolidation, but the long-term outlook is positive.
Thematic
Nu Holdings is at the forefront of the digital banking revolution in Latin America, a region with significant untapped financial markets and a growing digitally-native population.
Fundamental
Nu Holdings demonstrates robust revenue growth and improving profitability, with a strong balance sheet and positive free cash flow generation.
Technical
The stock has shown recent weakness after a strong run, with technical indicators suggesting a period of consolidation or potential pullback before resuming an uptrend.
| Factor | Score |
|---|---|
| Digital Banking Adoption | 95 |
| Emerging Market Growth | 90 |
| Product Innovation | 85 |
| Customer Centricity | 92 |
| Competitive Landscape | 73 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Profitability | 85 |
| Growth | 90 |
| Balance Sheet Health | 90 |
| Cash Flow | 88 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Volume Confirmation | 65 |
| Support & Resistance | 70 |
| Oscillators | 75 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Growth
The company has consistently met or exceeded EPS estimates for the past several quarters, with positive surprises like 25.88% in Q4 2024, indicating strong operational execution and profitability management.
Improving Valuation Metrics
The P/E ratio has decreased from 46.7 in 2023 to an estimated 19.8 for 2024, suggesting the stock is becoming more attractively valued relative to its earnings, especially considering the robust revenue growth.
Bearish Points (7)
High Forward P/E Ratio
The projected P/E ratio for 2025 Q1 is 69.4, and Q2 is 70.7, which appears high relative to current earnings, potentially pricing in significant future growth that may be difficult to achieve.
Deteriorating Daily Trend Signals
On a daily timeframe, most moving averages (EMA 10, 20, 30, 50, 100, 200) are indicating 'Sell' signals, and the RSI is at 46.05, suggesting a downtrend or consolidation phase.
Calendar
August 2025
12
Next Earnings Date
H: $0.15
A: $0.13
L: $0.12
H: 3.83B
A: 3.67B
L: 3.43B
Profile
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. It offers 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. The company also provides 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.
Seasonals
Price Target
14.75 USD
The 39 analysts offering 1 year price forecasts for NU have a max estimate of 19.00 and a min estimate of 9.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Major investor in Nu Holdings (NU), demonstrating high confidence and a direct financial tie through a significant equity stake.
Weight: 95
Direct competitor as a leading Brazilian digital bank (formerly Banco Inter) offering a similar range of digital financial services, targeting the same customer base.
Weight: 90
Dominant e-commerce and fintech (Mercado Pago) player in Latin America, representing a key regional digital financial services peer with a vast user network.
Weight: 88
Brazilian payment processing and digital banking company, a direct fintech peer focusing on small and medium-sized businesses and consumer digital accounts.