Nu Holdings stock
NUNYSENu Holdings Ltd., Financial ServicesISIN KYG6683N1034
60Score 60 out of 100, Neutral
Price and trend
32 / 100
Price history
−25% in one yearThe chart shows daily closes over 5 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 13% below it.
Since April 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Sharply down: the price has fallen very quickly lately (RSI 30).
The price is 34% below its 52-week high. Largest decline in 5 years: 72% (December 2021 to June 2022).
Chart figures for advanced users
- SMA 50$13.88
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$14.24
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)30
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$11.60
- The lowest closing price of the last twelve months.
- Resistance$18.76
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Nu Holdings Ltd. belongs to the Banks (Regional) industry (Brazil) and, with a market value of $59.51B, is number 20 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $2.87B (up 45.5% year on year).
- For fiscal 2026, analysts expect on average adjusted earnings per share of $0.87 (up 41.3%).
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- MEQIRI Score 60 out of 100 (Neutral): rank 728 of 976 in Financial Services, median 68.
- The P/E is 16.8 (Banks (Regional) median 12.2, own median of recent years 28.4).
- Our model puts fair value at $14.32, with the price 14% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 30.3% over the last 12 months.Profitability 94
- Analysts expect strong earnings growthUp 26.5% a year through 2028 (estimates from 13 analysts).Growth 50
Weaknesses
- Volatile share priceVolatility 46% a year over the last 12 months.
Its standout strengths are profitability and stability, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 59 to 60.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 23 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- price far below its 52-week high
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $10.23 and expensive above $23.87 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $19.65 (excess return model) and $8.99 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 9.8%. At 10.8% the fair value would be $12.91, at 8.8% it would be $16.30.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 50.9% on the twelve months before. Revenue has grown strongly since 2018, at around 77% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 34%, net 25%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 12 Nov 2026today
- Last reported
- 13 Aug 2026EPS reported $0.22 (expected $0.20)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $0.87−0.5%
- Revenue
- $22.74B−0.7%
- Earnings per share
- $1.12+0.3%
- Revenue
- $28.36B+0.7%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +12.3%The efficiency ratio is still expected to average about 20% for the year, with credit performance in some cases better than expected.
“Looking ahead, we continue to expect the efficiency ratio for the full year to average about 20%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 13 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $6.26M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Junqueira Cristina Helena ZingarettiSale
5 Oct 2026, US CEO and Chief Growth Offcr
- Shares
- 25,000
- Price
- $15.01
- Value
- $375,363
- Junqueira Cristina Helena ZingarettiSale
25 Aug 2026, US CEO & Chief Growth Officer
- Shares
- 65,000
- Price
- $14.71
- Value
- $956,456
- Junqueira Cristina Helena ZingarettiSale
24 Aug 2026, US CEO & Chief Growth Officer
- Shares
- 25,000
- Price
- $15.00
- Value
- $375,000
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Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Nu Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 60
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- BOC Hong Kong (Holdings)2388.HK $69.2B70
- Nordea Bank AbpNDA-FI.HE $63.9B76
- Industrial Bank601166.SS $62.02B62
- Truist FinancialTFC $60.24B56
- Société GénéraleGLE.PA $54.14B61
- Crédit AgricoleACA.PA $53.43B61
- KBC GroupKBC.BR $53.34B76
- Kotak Mahindra BankKOTAKBANK.NS $51.78B72
ETFs that hold Nu Holdings
Held by 39 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI Brazil UCITS ETF USD (Dist)IQQB | 9.78% | 0.74% | €403.94M |
| EMQQ Emerging Markets Internet UCITS ETF AccEMQQ | 7.15% | 0.86% | €87.6M |
| iShares MSCI EM Latin America UCITS ETF USDIUSC | 4.94% | 0.20% | €1.71B |
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| Invesco CoinShares Global Blockchain UCITS ETFBNXG | 2.77% | 0.65% | €733.24M |
| Amundi MSCI Digital Economy UCITS ETF AccEBUY | 0.88% | 0.45% | €96.36M |
| JPMorgan Global Emerging Markets Research Enhanced Index Equity Active UCITS ETFJREM | 0.47% | 0.30% | €2.41B |
| Amundi Core MSCI Emerging Markets UCITS ETF EUR DistAEMD | 0.40% | 0.18% | €9.12B |
| UBS Core MSCI EM UCITS ETF USD disUIMI | 0.38% | 0.15% | €10.33B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 27 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.