Nu Holdings is delivering 44% revenue growth and a 30% return on equity, ranking best-in-class among regional bank peers on both margins and growth, but faces a negative news modifier from recent sentiment of -1.00, consecutive earnings misses, and is trading below the 200-day moving average in a recovering downtrend.
Thesis pillars
- Consecutive Earnings Misses→Stable
- Best In Class Growth And Roe→Stable
- Negative News Sentiment Modifier→Stable
- +1 more pillar — see the Why tab for full reasoning
Nu Holdings Ltd. (NU) Stock Analysis
Recovery setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $14.05, but acceptable to hold if already in. Reasons: Overbought (RSI 81); Below 200-MA, MA slope -1.3%/30d (confirmed downtrend).
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+... Read more
Hold if already holding. Not a fresh buy at $14.05, but acceptable to hold if already in. Reasons: Overbought (RSI 81); Below 200-MA, MA slope -1.3%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 81. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 39d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent developments
updated 2026-07-07Recent Developments — Nu Holdings Ltd.
Latest news
- NEWS Nu Holdings Stock Analysis: Buy or Sell? - The Motley Fool — The Motley Fool neutral
- NEWS Nu Holdings Stock Analysis: Buy or Sell? - The Globe and Mail — The Globe and Mail positive
- NEWS Nu Holdings: Not Waiting On The U.S. Market (NYSE:NU) - Seeking Alpha — Seeking Alpha positive
- NEWS NU Initiates Coverage On CICC -- Rating Set to Outperform - GuruFocus — GuruFocus positive
- NEWS NU Stock Pullback Has Traders Eyeing Key Support - StocksToTrade — StocksToTrade neutral
Generated 2026-07-07T10:21:37Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
2 floor-breakers·1 ceiling hit
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $14.05, but acceptable to hold if already in. Reasons: Overbought (RSI 81); Below 200-MA, MA slope -1.3%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 81. Maintain position. Not compelling to add more. Target $16.04 (+14.2%), stop $13.08 (−7.4%), A.R:R 0.9:1. Score 6.4/10, moderate confidence.
Take-profit target: $16.04 (+14.1% upside). Target $16.04 (+14.2%), stop $13.08 (−7.4%), A.R:R 0.9:1. Stop-loss: $13.08.
Overbought (RSI 81); Below 200-MA, MA slope -1.3%/30d (confirmed downtrend).
Nu Holdings Ltd. trades at a P/E of 20.9 (forward 11.8). TrendMatrix value score: 6.7/10. Verdict: Hold.
25 analysts cover NU with a consensus score of 4.2/5. Average price target: $18.
What does Nu Holdings Ltd. do?Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United...
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.