Stock·NYSE·Financial Services
Nu Holdings Ltd. Class A (NU)
- Market cap
- $56.08B
- P/E
- 15.90
- Dividend yield
- None
- Street target
- $19.00median of 23 analysts
- 52-week range
- $11.20 $18.98
NU stock forecast today
Where NU stands today, and what CleaRank Financial AI makes of it.
NU at a glance
Nu Holdings Ltd. Class A (NU): Hold, 49/100 on CleaRank's AI score.
- Trend Down: the price is below both its 50- and 200-day moving averages ($14.32 and $14.46).
- Earnings NU beat estimates in 2 of the 7 reports in our data, yet fell the next day after 1 of those beats.
- Insiders Insiders sold $10.7M and made no open-market purchases over the last 18 months.
- Valuation P/E of 15.9 against 16.5 for the Financial Services sector: broadly in line with peers (-4%).
Figures as of October 30, 2026.
CleaRank Financial AI
CleaRank rates Nu Holdings Ltd. Class A (NU) Hold, with a model score of 49/100.
The analysts' outlook lifts the score most: 18 of 23 analysts rate it a buy and the median target is 63.7% above the price. The trend holds it back most: the price is 19.70% below its 200-day average and 18.92% below its 50-day average, and the 50-day average is 0.96% below the 200-day. The 50-day average stands at $14.32 and the 200-day at $14.46. Over the past year the price fell 27.71%.
Only on CleaRank
Figures we compute ourselves from NU's own price, earnings and insider-filing history. Tap one to see it in context.
NU stock price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
0/4Price below its 50-day average ›
The price of $11.61 is 18.9% below the 50-day simple moving average of $14.32.Price below its 200-day average ›
The price is 19.7% below the 200-day simple moving average of $14.46.50-day average below the 200-day ›
The 50-day average ($14.32) is 1.0% below the 200-day average ($14.46), the arrangement of a falling longer-term trend.In the lower half of its 52-week range ›
The price sits at 5% of its 52-week range, between $11.20 and $18.98.
NU share price
Pick a period: each tab shows how far NU has moved over it, to the last close.
Today's trading
Where NU sits inside today's range and its 52-week range.
NU fundamentals and valuation
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
2/4P/E below the sector median ›
The trailing P/E of 15.90 is 3.6% below the Financial Services median of 16.5.P/S above the sector median ›
The price-to-sales ratio of 4.71 is 23.9% above the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $3.2B on revenue of $11.9B, a net margin of 26.7%.Missed estimates in most recent reports ›
NU beat the EPS estimate in 2 of the 7 reports in our data.
Key statistics
The headline figures for NU.
As of October 30, 2026, NU trades at $11.61, with a market value of $56.08B and a P/E ratio of 15.90.
What the numbers say
CleaRank Financial AI's reading of NU's valuation, growth and risks.
NU is valued at a trailing P/E of 15.90, which is 3.6% below the Financial Services median of 16.5. The peer comparison on this page calls that broadly in line with peers. To put the size in context, the company's market value stands at $56.1B.
Margins stand at a net margin of 26.7% and an operating margin of 50.15%. It generates a return on equity of 31.63%, above the sector median of 13.8%. No dividend is reported in our data.
Nu Holdings Ltd. Class A (NU) beat expectations in its August 13, 2026 report by 15.79%, posting EPS of $0.22 against the $0.19 analysts had forecast. Investors responded positively, and the stock rose 9.33% in the following session.
Over the 7 reports in our data, NU topped the estimate 2 times; even so, 1 of those 2 beats was followed by a lower share price the next session. The February 25, 2026 report stands out among the few before the latest: in line with the estimate, after which the stock fell 9.55%. The consensus EPS estimate stands at $0.85 for this fiscal year and $1.11 for next, growth of 46.0% for the current year.
NU typically moves 4.98% on an average day, and its beta against the S&P 500 is 0.96. Its trend is a risk in itself, since the price remains under both moving averages. The stock is 38.83% below its 52-week high of $18.98. Insider sales over the last 18 months reached $10.7M, and no open-market purchases were made. Sales can be planned ahead or made to cover tax on vesting shares, so they carry less weight than buying would.
NU against the Financial Services sector
How NU compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: Valuation is broadly in line with sector peers (-4% difference), suggesting fair market pricing relative to industry standards.
Return vs XLF: Since May 20, 2025, NU has lost 9.1% against a gain of 10.1% for XLF.
Performance against XLF
NU and the Financial Services sector fund over the same days.
Revenue and earnings
How much NU sells, and how much of it becomes profit.
The quarterly bars end with Q1 '26 (the quarter to March 31, 2026); NU reported again on August 13, 2026, and that quarter is not in our statement data yet. The 12-month figures come from the statistics feed and may include it.
Revenue growth: Revenue grew 28.5% in FY2025 to $10.6B, from $8.3B a year earlier.
Profit margin: The net margin was 27.0% in FY2025, up from 23.8% the year before.
Profitable: NU earned $2.9B in FY2025.
Earnings reality check
Did NU beat what analysts expected, and how did the stock react?
Earnings record: NU beat the analyst estimate in 2 of the 7 reports in our data.
Market reaction: The stock fell in the first session after 1 of those 2 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Aug 13, 2026after close | $0.19 | $0.22 | +15.79% | +9.33% | +2.01% |
| Feb 25, 2026after close | $0.18 | $0.18 | +0.00% | -9.55% | -9.91% |
| Nov 13, 2025after close | $0.17 | $0.17 | +0.00% | +1.48% | -1.73% |
| Aug 14, 2025after close | $0.13 | $0.13 | +0.00% | +9.08% | +13.82% |
| May 13, 2025after close | $0.12 | $0.11 | -8.33% | +2.66% | -2.82% |
| Feb 20, 2025after close | $0.11 | $0.11 | +0.00% | -18.89% | -15.67% |
| Nov 13, 2024after close | $0.10 | $0.11 | +10.00% | -2.88% | -14.83% |
As of October 30, 2026, NU has beaten the analyst EPS estimate in 2 of the 7 reports in our data and fell in the first trading session after 1 of those beats; its latest report, on August 13, 2026, came in 15.79% above the estimate and the stock moved +9.33% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
NU AI analysis and technical indicators
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
1/3RSI not overbought or oversold ›
The 14-day RSI is 30.8, showing bearish momentum without being oversold.RSI below 50 ›
An RSI of 30.8 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line below zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank Financial AI analysis of NU
The score, the reasoning behind it, and what could move the price next.
Nu Holdings Ltd. Class A (NU) is in a downtrend, with both moving averages above the price. The price of $11.61 sits 18.92% under the 50-day average of $14.32 and 19.70% under the 200-day average of $14.46. Within its 52-week range the stock is at 5%, and the price is 3.66% above the 52-week low of $11.20.
On momentum, the 14-day RSI reads 30.8, in the bearish zone, above the oversold line, with the MACD line negative. The recent returns all show a loss, with the price down 18.98% over the past three months, 19.60% over the past six months and 27.71% over the past year.
Earnings beat ›
The August 13, 2026 report beat the EPS estimate by 15.79%, and the share price rose 9.33% in the first session after it.
Source: Earnings report, August 13, 2026Rating reaffirmed ›
UBS kept its Buy rating on October 20, 2026.
Source: Analyst action, UBS, October 20, 2026
Analyst downgrade ›
Itau BBA downgraded it to Market Perform from Outperform on September 16, 2026.
Source: Analyst action, Itau BBA, September 16, 2026
- Keep an eye on the two closest levels: the 20-day EMA at $13.72 sits above the price, and the 52-week low at $11.20 sits below it.
- With the 14-day RSI at 30.8, momentum is in the bearish zone and the MACD line is negative. Readings above 70 or below 30 would signal stretched momentum.
- The share price rose 9.33% in the first session after the August 13, 2026 report. NU has beaten estimates in 2 of the 7 reports in our data.
The downtrend stays in place while NU is below both its 50-day average at $14.32 and its 200-day average at $14.46; a close back above the 50-day would be the first step of a repair. The 20-day EMA at $13.72 is the first hurdle overhead.
The next level below the price is the 52-week low of $11.20. With the RSI in the bearish band, momentum does not point to a quick recovery.
Technical indicators
Momentum and trend for NU, from its daily closes.
As of October 30, 2026, with NU at $11.61, its 14-day RSI is 30.8 (showing bearish momentum without being oversold), its 50-day simple moving average is $14.32 and its 200-day is $14.46.
Calculated by CleaRank on daily closes as of October 30, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26). How we calculate these
What NU moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 30, 2026, NU's 1-year correlation of daily returns is +0.46 with S&P 500 (SPY), +0.43 with Nasdaq 100 (QQQ), +0.27 with Bitcoin (BTC) and +0.17 with gold (XAU).
NU price target and analyst forecast
The analysts' target range and how their ratings split.
Analysts checks
2/3Most analysts rate it a buy ›
18 of 23 analysts rate it a buy or strong buy, 4 a hold and 1 a sell.Median target above the price ›
The median 12-month target of $19.00 is 63.7% above the price.No more buy ratings than three months ago ›
18 of 23 rate it a buy now, against 18 of 22 three months ago.
NU Wall Street View
12-month price targets
The price, $11.61, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 20, 2026 | UBS | Maintains | Buy |
| Oct 6, 2026 | JP Morgan | Maintains | Overweight |
| Sep 28, 2026 | Needham | Reiterates | Buy |
| Sep 16, 2026 | Itau BBA | Downgrade | Market Perform |
| Sep 11, 2026 | Needham | Reiterates | Buy |
| Aug 25, 2026 | Wolfe Research | Maintains | Outperform |
As of October 30, 2026, 23 Wall Street analysts cover NU: 18 rate it a buy or strong buy, 4 a hold and 1 a sell or strong sell. Their 12-month price targets range from $12.00 to $23.00. The median NU price target is $19.00, 63.7% above the price of $11.61.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
NU trade plan: entry, stop loss and targets
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
NU trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Entry Strategies pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
NU moves about 5.0% a day on average, so a stop can fill well past its level. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much NU tends to move, against the market and on its own.
NU price history and drawdowns
NU's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
2/4Average daily move of 2% or more ›
The price has moved 4.98% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 68.0%, from December 2021 to June 2022, regained by February 2024.Most 1-year holds ended higher ›
78% of 1-year holding periods in the last 5 years ended with a gain.Trailed the S&P 500 since the chart begins ›
$10,000 invested in December 2021 is now worth $11,239, against $17,322 in the S&P 500 (SPY).
NU Drawdowns & Recovery
As of October 30, 2026, NU's worst peak-to-trough fall over the last 5 years with dividends reinvested was -68.0% (December 2021 to June 2022); it regained that peak by February 2024, 20 months after the low, and 78% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into NU in December 2021 is worth now, against the same amount in the S&P 500.
Against the market: NU trailed the S&P 500 over this period: $11,239 against $17,322.
A $10,000 investment in NU in December 2021 would be worth about $11,239 today with dividends reinvested, compared with about $17,322 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to NU, and which have not.
Strongest month, June: an average of +9.82%, up in 4 of 5 years.
Weakest month, December: an average of -8.87%, up in 1 of 4 years.
This month, October: has averaged +6.84%, up in 4 of 4 years. Past seasonality does not repeat on schedule.
Over the last 5 years, NU's strongest calendar month has been June (average +9.82%, up in 4 of 5 years) and its weakest December (average -8.87%, up in 1 of 4 years).
Average return for each calendar month over the last 5 years, from weekly closing prices with dividends included.
NU stock price prediction 2030
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in NU, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 4-year Monte Carlo simulation, based on 4.9 years of price history, projects that a $10,000 investment in NU today could grow to about $11,929 by 2030 in the base case, with a 90th-percentile outcome near $42,973 and a 10th-percentile outcome around $3,311. Projections are statistical simulations, not guarantees.
NU Stock Price Prediction 2030: Simulated Scenarios
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $13.85 for NU by 2030 in the base case, from $11.61 today (1.2x over 4 years). The 10th-percentile path ends near $3.84. These are outcomes of a Monte Carlo simulation run on NU's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $6.39 | $12.13 | $23.03 | |
| 2028 | $5.12 | $12.68 | $31.38 | |
| 2029 | $4.37 | $13.25 | $40.21 | |
| 2030 | $3.84 | $13.85 | $49.89 |
Method: a lognormal simulation of NU's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles. How the simulation works
NU insider trading
What the people running the company have bought and sold.
NU insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Net insider selling: No insider bought NU shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.
As of October 30, 2026, NU insiders reported 6 open-market sales worth $10.7M and no open-market purchases over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Oct 5, 2026 | Cristina Helena Zingaretti Junqueria
Officer
|
Sell | 25.0K | $375.4K |
| Sep 28, 2026 | Sarah K Wilson
Officer
|
Grant | 1.4M | - |
| Aug 25, 2026 | Cristina Helena Zingaretti Junqueria
Officer
|
Sell | 90.0K | $1.3M |
| Aug 24, 2026 | Douglas M Leone
Director
|
Grant | 1.4K | - |
| Aug 24, 2026 | Mejia Luis Alberto Moreno
Director
|
Grant | 1.0K | - |
| Aug 24, 2026 | Diego Piacentini
Director
|
Grant | 1.4K | - |
| Aug 24, 2026 | Anita M Sands
Director
|
Grant | 1.4K | - |
| Aug 14, 2026 | Henrique Camossa Saldanha Fragelli
Officer
|
Sell | 221.7K | $3.5M |
| Aug 14, 2026 | Cristina Elena Zingaretti Junqueira
Officer
|
Sell | 50.0K | $790.0K |
| Aug 7, 2026 | Peres Rogerio Paulo Calderon
Director
|
Grant | 23.5K | - |
| Aug 7, 2026 | Douglas M Leone
Director
|
Grant | 25.3K | - |
| Aug 7, 2026 | David Marcus
Director
|
Grant | 25.3K | - |
| Aug 7, 2026 | Mejia Luis Alberto Moreno
Director
|
Grant | 25.3K | - |
| Aug 7, 2026 | Thuan Pham
Director
|
Grant | 23.5K | - |
| Aug 7, 2026 | Diego Piacentini
Director
|
Grant | 23.5K | - |
| Aug 7, 2026 | Jacqueline D Reses
Director
|
Grant | 27.1K | - |
| Aug 7, 2026 | Anita M Sands
Director
|
Grant | 30.7K | - |
| Jul 13, 2026 | Robert Philip Livingston
Chief Financial Officer
|
Grant | 2.2M | - |
| May 15, 2026 | Anita M Sands
Director
|
Sell | 21.0K | $257.0K |
| Apr 8, 2026 | Henrique Camossa Saldanha Fragelli
Officer
|
Option | 2.4M | $770.4K |
| Mar 23, 2026 | Cristina Helena Zingaretti Junqueria
Officer
|
Sell | 300.0K | $4.4M |
Source: TwelveData, from reported insider filings
NU stock forecast: questions people ask
Answered from the figures on this page, as of October 30, 2026.