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As of October 11, 2026, Nu Holdings Ltd. Class A (NU) trades at $16.12. CleaRank Financial AI rates it Buy with a fair value of $19.00, 17.9% above the current price. Wall Street's consensus target is $19.00 across 22 analysts. RSI at 66 is in neutral territory, and the price is above its 50-day average of $14.37.
Nu Holdings Ltd. Class A (NU)
Nu Holdings Ltd. Class A NYSE
$16.12
0.7400 (4.81%)
At close: Oct 9, 4:00 PM EDT
AI Analyst Consensus
74 / 100
Nu Holdings Ltd. Class A is currently trading at $16.12, above its 50-day and 200-day moving averages ($14.37 and $14.68), indicating positive price momentum. The company exhibits exceptional financial health with a profit margin of 42.73% and a return on equity of 31.63%, significantly outpacing sector averages. Its revenue growth stands at a remarkable 52.1%, far exceeding the sector median of 11.7%. The primary catalyst for continued growth appears to be its expanding customer base and innovative digital banking solutions, which are driving strong revenue and earnings. Analysts are largely positive, with a consensus rating of Buy and a median price target of $19.00, suggesting an upside of 17.9%. The company's strong profitability and growth trajectory support its current valuation, though investors should monitor insider selling activity.
NU Price Analysis
Market Metrics
Open
$15.56
Day Range
$15.48 to $16.14
Prev Close
$15.38
Volume
76.03M
52-Week Range
$11.20 to $18.98
Market Cap
$77.87B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a significant premium to sector peers (+34%), suggesting market expectations for superior growth or market position.
NU Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 3 quarters, NU beat estimates 1 times. The stock rose 1 times the next day. Price tends to react positively to beats.
NU Analysis
Company's Health
4/5
12-Month Analyst Target
+17.87% Upside
Median of 22 analysts (12-month)
$19.00
AI Technical Analysis
Nu Holdings Ltd. Class A is trading above its 50-day and 200-day moving averages ($14.37 and $14.68), signaling an uptrend. The RSI is at 65.75, indicating bullish momentum, and the MACD is positive at 0.28. The stock is also trading above its 20-day Exponential Moving Average. Key support levels are near the 50-day SMA of $14.37 and the 200-day SMA of $14.68. The current price of $16.12 suggests upward potential. Volume has been below average recently, which could indicate a pause in the strong upward trend, but the overall technical picture remains bullish.
ProTips
- Monitor insider selling activity closely, as $11.1 million in sales have been reported recently.
- The stock is trading above its 50-day and 200-day moving averages ($14.37 and $14.68), suggesting a bullish technical trend, but watch for potential resistance near previous highs.
- Given the strong revenue growth and profitability, consider position sizing carefully to manage risk, especially given the premium valuation compared to sector averages.
Key Catalysts
Bullish
Strong Q3 2026 Earnings Beat
Nu Holdings Ltd. Class A exceeded EPS estimates by 237.5% in the quarter ending September 2026, signaling strong operational performance and effective cost management.
Source: Earnings ReportBullish
Continued High Revenue Growth
The company reported revenue growth of 52.1%, significantly outpacing the sector average, indicating strong market traction and expansion opportunities.
Source: Company FilingsBullish
Positive Analyst Sentiment and Price Targets
A majority of analysts rate Nu Holdings Ltd. Class A as Buy, with a median price target of $19.00, suggesting a 17.9% upside potential.
Source: Wall Street AnalystsBearish
Moderate Insider Selling
Insiders have sold a total of $11.1 million in stock, indicating potential profit-taking or a shift in management's short-term outlook.
Source: Insider TransactionsNeutral
Above Sector Averages Valuation
The company's P/E and P/S ratios are higher than sector medians, suggesting that current growth expectations are already priced in, creating potential for valuation compression if growth slows.
Source: Financial AnalysisMarket Outlook
Nu Holdings Ltd. Class A is expected to continue its growth trajectory over the next 6-12 months, driven by its expanding customer base and innovative digital banking services. The company's strong profitability and revenue growth, coupled with a solid balance sheet, provide a firm foundation for future expansion. Analysts project current year EPS of $0.86 and revenue growth of 45%, with next year's estimates at $1.10 EPS and 24% revenue growth. Potential upside catalysts include further market share gains in Latin America and successful introduction of new financial products. Downside risks include increased regulatory scrutiny in the fintech space, heightened competition from traditional banks and other digital players, and the impact of any macroeconomic downturns on consumer spending and credit quality. The moderate insider selling warrants attention, though it does not currently overshadow the company's strong fundamentals and positive analyst sentiment.
Key Statistics
| Market Cap | 77.87B |
|---|---|
| P/E Ratio | 22.08 |
| EPS (TTM) | 0.7300 |
| Dividend Yield | 0.00% |
| 52 Week High | 18.98 |
| 52 Week Low | 11.20 |
Nu Holdings Ltd. Class A demonstrates strong fundamental performance with a P/E ratio of 22.08, which is above the sector average of 16.5 but justified by its superior growth and profitability metrics. Its price-to-sales ratio is 9.22, also higher than the sector median of 3.8, reflecting investor confidence in its growth prospects. The company boasts an impressive profit margin of 42.73% and an operating margin of 50.15%, significantly outperforming sector averages. The company's debt-to-equity ratio is 0.00, indicating a very strong balance sheet with no leverage. Its return on equity is a strong 31.63%, well above the sector average of 13.8. These fundamentals suggest that the current valuation is supported by exceptional operational efficiency and growth, positioning the company favorably within the Financial Services sector.
Earnings & Growth Analysis
Nu Holdings Ltd. Class A recently reported earnings for the quarter ending September 2026, with an actual EPS of $0.11 against an estimate of -$0.08, a significant positive surprise of 237.5%. This beat followed a strong performance in the quarter ending June 2026, where actual EPS of $0.22 beat estimates by 15.79%. While the quarter ending March 2026 showed a slight miss, the overall trend indicates a strong ability to exceed analyst expectations, particularly in recent periods. The company's revenue growth of 52.1% further confirms its expanding business operations.
Key Risks
A key risk for Nu Holdings Ltd. Class A is the moderate insider selling, with $11.1 million in sales across 21 transactions, indicating some profit-taking or portfolio rebalancing by management. Although the company's valuation metrics are above sector averages, its rapid growth and strong profitability may continue to justify a premium. Competition within the digital banking space is intensifying, which could pressure margins or customer acquisition costs over the long term.
Technical Indicators
| RSI (14) | 65.75 |
|---|---|
| MACD | 0.28 |
| SMA 50 | 14.37 |
| SMA 200 | 14.68 |
RSI
Bullish
SMA Cross
Bearish
Price vs SMA
Bullish
MACD
Bullish
Moving averages show a lagging Death Cross (50-day: $14.37, 200-day: $14.68), price action is firmly bullish above key moving averages.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.49
Moderate correlation
Nasdaq 100 (QQQ)
+0.47
Moderate correlation
Bitcoin (BTC)
+0.21
Weak correlation
Gold (XAU)
+0.21
Weak correlation
Check Custom Correlation
How does any other asset move with NU? One year of daily closes, Pearson correlation.
Try
NU Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Long entry pick an entry style
Conservative
$15.80
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$16.12
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$14.69
MAX LOSS
-7.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (65.8) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$16.59
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$17.38
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$18.17
+15% (Conservative)
+12.7% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
High-Volatility Risk Disclaimer
NU is classified as a high-volatility asset (Daily Vol: 3.87%). Aggressive price swings can lead to rapid capital loss. Liquidity risks may prevent exiting trades at desired prices. This AI-generated analysis is for educational purposes only and is not financial advice. Generated on October 11, 2026.Growth of $10,000
A $10,000 investment in NU in December 2021 would be worth about $15,605 today, compared with about $16,695 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in NU today could grow to about $22,436 by 2036 in the base case, with a bull case near $170,216 and a bear case around $2,957. Projections are statistical simulations, not guarantees.
NU Stock Price Prediction: 2030
CleaRank's simulation projects a price near $22.27 for NU by 2030 in the base case, from $16.12 today (1.4x over 4 years). The downside path ends near $6.18. 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 | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $9.21 | $17.48 | $33.17 |
| 2028 | $7.66 | $18.95 | $46.89 |
| 2029 | $6.77 | $20.54 | $62.33 |
| 2030 | $6.18 | $22.27 | $80.23 |
| 2031 | $5.76 | $24.15 | $101 |
| 2032 | $5.45 | $26.18 | $126 |
| 2033 | $5.21 | $28.38 | $155 |
| 2034 | $5.02 | $30.77 | $188 |
| 2035 | $4.88 | $33.36 | $228 |
| 2036 | $4.77 | $36.17 | $274 |
Method: 10,000 simulated price paths using NU's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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NU Insider Trading Analysis
Bought
None
No open-market buys
Sold
$11.1M
6 Transactions
Insiders
13
Active Traders
Avg Transaction
$1.9M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Mar 23, 2026 | JUNQUERIA CRISTINA HELENA ZINGARETTI
Officer
|
Sell | 300.0K | $4.4M |
| Aug 14, 2026 | FRAGELLI HENRIQUE CAMOSSA SALDANHA
Officer
|
Sell | 221.7K | $3.5M |
| Aug 25, 2026 | JUNQUERIA CRISTINA HELENA ZINGARETTI
Officer
|
Sell | 90.0K | $1.3M |
| Aug 14, 2026 | JUNQUEIRA CRISTINA ELENA ZINGARETTI
Officer
|
Sell | 50.0K | $790.0K |
| Aug 14, 2026 | JUNQUERIA CRISTINA HELENA ZINGARETTI
Officer
|
Sell | 50.0K | $790.0K |
| May 15, 2026 | SANDS ANITA M
Director
|
Sell | 21.0K | $257.0K |
| Sep 28, 2026 | WILSON SARAH K
Officer
|
Grant | 1.4M | - |
| Aug 24, 2026 | LEONE DOUGLAS M
Director
|
Grant | 1.4K | - |
| Aug 24, 2026 | MORENO MEJIA LUIS ALBERTO
Director
|
Grant | 1.0K | - |
| Aug 24, 2026 | PIACENTINI DIEGO
Director
|
Grant | 1.4K | - |
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Frequently Asked Questions
Is Nu Holdings Ltd. Class A stock a buy?
Nu Holdings Ltd. Class A is currently rated as a Buy by Wall Street analysts, with a consensus score of 74 out of 100. The median analyst price target of $19.00 suggests an upside of 17.9% from the current price of $16.12, supported by strong revenue growth and profitability.
What is Nu Holdings Ltd. Class A's stock price forecast for 2030?
Based on a Monte Carlo simulation, Nu Holdings Ltd. Class A's stock price is projected to reach a base case of $22.27 by 2030, with a downside scenario of $6.18 and an upside scenario of $80.23. These are statistical outcomes, not guaranteed price targets.
How does Nu Holdings Ltd. Class A's valuation compare to its peers?
Nu Holdings Ltd. Class A trades at a P/E ratio of 22.08 and a price-to-sales ratio of 9.22, both above the sector averages of 16.5 and 3.8, respectively. However, its superior revenue growth of 52.1% and profit margin of 42.73% justify this premium.
What are the recent earnings trends for Nu Holdings Ltd. Class A?
Nu Holdings Ltd. Class A has demonstrated strong earnings performance, notably beating EPS estimates by 237.5% in the quarter ending September 2026. This follows a pattern of exceeding expectations, reinforcing confidence in its financial trajectory.
What are the main risks facing Nu Holdings Ltd. Class A?
The primary risks include moderate insider selling totaling $11.1 million and a valuation that trades at a premium to sector averages. Intensifying competition in the digital banking sector could also pose a challenge to future growth and profitability.
What is the technical outlook for Nu Holdings Ltd. Class A stock?
Technically, Nu Holdings Ltd. Class A is in an uptrend, trading above key moving averages with bullish RSI and MACD indicators. Support is seen around $14.37, with potential for further upside.
How is Nu Holdings Ltd. Class A's revenue growth compared to the sector?
Nu Holdings Ltd. Class A is experiencing exceptional revenue growth of 52.1%, significantly outpacing the Financial Services sector median of 11.7%. This indicates strong market adoption and expansion of its business operations.