NU
NYSE · Banking
Nu Holdings Ltd/Cayman Isl-A
$14.19
-0.49 (-3.34%)
Performance
1D
—
1W
—
1M
—
3M
-15.33%
6M
-10.08%
1Y
+24.69%
YTD
-16.63%
Open$14.49
Previous Close$14.68
Day High$14.51
Day Low$14.16
52W High$18.98
52W Low$9.01
Volume—
Avg Volume78.98M
Market Cap71.96B
P/E Ratio25.08
EPS$0.59
SectorBanking
Technical Indicators
Full analysis →
SMA 50
$17.17
Below
SMA 200
$14.93
Below
RSI (14)
34.8
Neutral
Trend
Golden Cross
Bullish
Analyst Ratings
Strong Buy
23 analysts
Price Target
+1,945.6% upside
Current
$14.19
$14.19
Target
$290.27
$290.27
$161.23
$290.27 avg
$396.47
Key Financials
| FY 2026 | FY 2025 | FY 2024 | |
|---|---|---|---|
| Revenue | 15.87B | 10.67B | 25.82B |
| Net Income | 2.89B | 1.75B | 8.46B |
| Profit Margin | 18.2% | 17.3% | 32.8% |
| EBITDA | 3.99B | 2.55B | 12.86B |
| Free Cash Flow | — | — | 7.55B |
| Rev Growth | +48.8% | +48.8% | +14.9% |
| Debt/Equity | 4.17 | 4.17 | 0.21 |
About Nu Holdings Ltd/Cayman Isl-A
Nu Holdings Ltd. is a leading digital financial services platform headquartered in the Cayman Islands with primary operations in Brazil, Mexico, and Colombia. The company operates primarily under the Nubank brand, offering digital banking services including checking and savings accounts, credit cards, personal loans, investments, and insurance products through mobile-first technology. Nu serves tens of millions of customers across Latin America with a focus on providing transparent, customer-centric financial solutions. The company has become one of the largest digital banking platforms in Latin America by customer base.
Banking Peers
| Symbol | Name | Price | Change | P/E | Mkt Cap |
|---|---|---|---|---|---|
| JPM | JPMorgan Chase & Co | $292.40 | +0.86% | 14.6 | 830.82B |
| BAC | Bank of America Corp | $48.14 | +1.30% | 12.3 | 377.82B |
| RY | Royal Bank Of Canada | $162.11 | +0.18% | 16.1 | 327.62B |
| WFC | Wells Fargo & Co | $79.61 | +1.70% | 13.7 | 291.17B |
| TD | Toronto-Dominion Bank | $93.53 | -0.11% | 10.0 | 217.34B |
| C | Citigroup Inc | $113.74 | +1.88% | 13.4 | 192.16B |
NU Frequently Asked Questions
What does Nu Holdings Ltd/Cayman Isl-A do?
Nubank built its business by targeting Latin America's massive underbanked population with a smartphone app and a no-fee credit card — no branches, no bureaucracy. It has since expanded into savings accounts, personal loans, investments, and insurance, all delivered through a single digital platform. The model relies on lower customer acquisition costs compared to traditional banks, combined with proprietary credit scoring to manage risk in markets where traditional credit history is scarce. Brazil remains its core market, with Mexico and Colombia growing rapidly.
Is NU stock a good investment?
Nu Holdings represents a high-growth bet on digital banking adoption across Latin America, a region where a large share of the population remains without adequate banking services. Revenue and customer growth have been impressive, but profitability is still relatively recent and evolving. The stock tends to trade at a significant premium to earnings given growth expectations. Risks include credit quality deterioration during economic downturns, currency exposure in Brazil and Mexico, and the potential for well-funded incumbents to respond more aggressively.
Who are Nu Holdings Ltd/Cayman Isl-A's main competitors?
In Brazil, traditional banking giants Itaú Unibanco and Bradesco are the primary incumbents Nu disrupts, both of which have invested heavily in their own digital offerings in response. Inter & Co and PagSeguro/PagBank compete directly in Brazil's digital financial services space. In Mexico, Mercado Pago (part of MercadoLibre) is a formidable digital payments rival.
What makes NU stock unique?
Nubank operates in a competitive environment where its main edge is customer experience and cost structure — a tech-first model means it can serve customers profitably at price points that branch-heavy banks cannot match. Its ability to cross-sell financial products to an already-engaged mobile user base creates compounding revenue per customer over time. In markets where banking trust has historically been low, Nubank's transparent fee model has become a genuine differentiator.
Where is NU trading today?
NU last closed at $14.19, down 3.34% in the most recent trading session. Over the past 52 weeks, the stock has traded between a low of $9.01 and a high of $18.98. The current price represents 52% of its 52-week range, which helps investors gauge where the stock sits relative to its recent trading history.
What are analyst ratings for NU stock?
Among 23 analysts covering NU, the consensus rating is Strong Buy — 20 rate it a buy, 3 hold, and 0 sell. The average price target sits at $290.27, implying 1,946% upside from the current price. Keep in mind that analyst targets reflect 12-month expectations and can shift quickly after earnings reports or major company events.
How much revenue does Nu Holdings Ltd/Cayman Isl-A generate?
Nu Holdings Ltd/Cayman Isl-A generated $15.87B in revenue during fiscal year 2026, with $2.89B reaching the bottom line as net income. The net profit margin of 18.2% is solid for its sector.
What is the price-to-earnings ratio for NU?
NU trades at a P/E ratio of 25.08 on trailing earnings of $0.59 per share. That's roughly in line with the broader market average of ~20-25x. Comparing this multiple against Banking sector peers gives better context than the broad market alone, since P/E norms vary significantly across industries.
How has NU performed compared to last year?
Performance varies across timeframes, reflecting shifting market conditions. Returns by timeframe: -15.33% (3M), -10.08% (6M), +24.69% (1Y), -16.63% (YTD). Comparing these figures against the S&P 500 and sector benchmarks helps determine whether NU is outperforming or lagging the broader market.