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As of September 16, 2026, Nu Holdings Ltd. Class A (NU) trades at $14.19. CleaRank Financial AI rates it Buy with a fair value of $19.00, 33.9% above the current price. Wall Street's consensus target is $19.00 across 22 analysts. RSI at 38 is in neutral territory, and the price is below its 50-day average of $14.38.
Nu Holdings Ltd. Class A (NU)
Nu Holdings Ltd. Class A NYSE
$14.19
-0.2200 (-1.53%)
At close: Sep 15, 4:00 PM EDT
AI Analyst Consensus
74 / 100
Nu Holdings Ltd. Class A is trading at $14.19, below its 50-day and 200-day moving averages ($14.38 and $14.94), indicating recent price weakness. The company has demonstrated exceptional revenue growth of 52.1%, significantly outpacing the sector median of 11.7%. Its profitability metrics are also strong, with a net profit margin of 42.73% and an operating margin of 50.15%, far exceeding sector averages. Wall Street analysts maintain a generally positive stance, with a consensus rating of Buy and a median price target of $19.00, implying an upside of 33.9% from current levels. The company's strong revenue growth and high profit margins support this optimistic outlook, although recent insider selling warrants monitoring. The primary risk appears to be the stock's current technical positioning below key moving averages.
NU Price Analysis
Market Metrics
Open
$14.37
Day Range
$14.06 to $14.41
Prev Close
$14.41
Volume
59.51M
52-Week Range
$11.20 to $18.98
Market Cap
$68.55B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Valuation is broadly in line with sector peers (18% difference), suggesting fair market pricing relative to industry standards.
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
+33.90% Upside
Median of 22 analysts (12-month)
$19.00
AI Technical Analysis
Nu Holdings Ltd. Class A is currently trading below its 50-day and 200-day moving averages ($14.38 and $14.94), suggesting a bearish short-term trend. The Relative Strength Index (RSI) at 38.1 indicates bearish momentum, aligning with the price action below its moving averages. The MACD is slightly positive at 0.10, but the overall technical picture points to downward pressure. Key support levels are not clearly defined due to limited historical data for long-term trend analysis, but the current price is below its 50-day SMA of $14.38 and 200-day SMA of $14.94. Volume has been below average recently, which could suggest a lack of conviction behind the current price movement. Investors should watch for a sustained break above the 50-day SMA to signal a potential trend reversal.
ProTips
- Monitor insider transactions closely, as recent net selling activity totaling over $11 million warrants attention.
- The stock is trading below its 50-day and 200-day moving averages ($14.38 and $14.94), indicating bearish momentum; watch for a sustained break above these levels for a potential trend reversal.
- Given the premium valuation metrics such as P/S ratio, continued strong revenue growth and earnings performance are critical to justify the current stock price.
Key Catalysts
Bullish
Strong Q2 2026 Earnings Beat
Nu Holdings Ltd. Class A reported EPS of $0.22 for the quarter ending June 2026, exceeding analyst estimates by 15.79% and driving a 9.33% stock price increase.
Source: Earnings ReportBullish
Positive Revenue Growth Estimates
Analysts forecast strong revenue growth of 45.00% for the current year and 21.00% for next year, indicating strong business expansion.
Source: Analyst EstimatesBearish
Moderate Insider Selling Signal
Insiders have sold a net total of $11.1 million in stock across 17 transactions, suggesting potential caution or profit-taking among management.
Source: Insider TransactionsBearish
Bearish Technical Momentum
The stock is trading below its key moving averages (50-day and 200-day SMA) and exhibits bearish momentum according to the RSI.
Source: Technical AnalysisMarket Outlook
Nu Holdings Ltd. Class A is expected to continue its strong growth trajectory over the next 6-12 months, driven by its expanding customer base and strong revenue generation. Analysts project current year revenue growth of 45.00% and next year growth of 21.00%, supported by an average EPS estimate of $0.85 for the current year and $1.11 for next year. The median analyst price target of $19.00 suggests that the stock could appreciate significantly from its current price. Potential catalysts for upside include continued execution on its growth strategy and positive earnings surprises, which have recently been observed. Conversely, a failure to meet high growth expectations, increased regulatory scrutiny in the financial services sector, or a continuation of insider selling could pressure the stock. The current bearish technical momentum also poses a near-term risk that needs to be monitored.
Key Statistics
| Market Cap | 68.55B |
|---|---|
| P/E Ratio | 19.44 |
| EPS (TTM) | 0.7300 |
| Dividend Yield | 0.00% |
| 52 Week High | 18.98 |
| 52 Week Low | 11.20 |
Nu Holdings Ltd. Class A trades at a Price-to-Earnings (P/E) ratio of 19.44, which is above the sector median of 16.5, suggesting a premium valuation. However, its Price-to-Sales (P/S) ratio of 8.12 is significantly higher than the sector median of 3.8, indicating that the market values its revenue streams highly. The company's Return on Equity (ROE) stands at a strong 31.63%, well above the sector average of 13.8%. Its debt-to-equity ratio is 0.00, indicating a very healthy balance sheet with no leverage. The company's impressive revenue growth of 52.1% is a key driver of its valuation. While the P/E ratio is elevated compared to the sector, the strong ROE and lack of debt provide fundamental support. The high P/S ratio suggests that investors are pricing in substantial future growth, which needs to be validated by continued execution.
Earnings & Growth Analysis
Nu Holdings Ltd. Class A most recently reported earnings for the quarter ending June 2026, with an Earnings Per Share (EPS) of $0.22, beating the analyst estimate of $0.19 by 15.79%. This positive surprise was accompanied by a 9.33% increase in stock price. Prior to this, the company missed estimates in the March 2026 quarter by 5.26%, leading to a price decline of 5.72%. The company has shown a mixed but generally positive earnings surprise trend over the last few reported quarters.
Key Risks
Insiders have been net sellers of Nu Holdings Ltd. Class A stock, with total sales amounting to $11.1 million across 17 transactions, indicating a potential lack of immediate confidence from management. The stock's current trading below its 50-day and 200-day moving averages ($14.38 and $14.94) presents a technical risk, suggesting potential for further downside. Additionally, the elevated Price-to-Sales ratio of 8.12, compared to the sector median of 3.8, indicates that the stock may be overvalued if future growth expectations are not met.
Technical Indicators
| RSI (14) | 38.10 |
|---|---|
| MACD | 0.10 |
| SMA 50 | 14.38 |
| SMA 200 | 14.94 |
RSI
Bearish
SMA Cross
Bearish
Price vs SMA
Bearish
MACD
Bullish
Moving averages show a lagging Death Cross (50-day: $14.38, 200-day: $14.94), price is trading below the 50-day SMA.
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)
+0.50
Moderate correlation
Nasdaq 100 (QQQ)
+0.47
Moderate correlation
Bitcoin (BTC)
+0.19
Weak correlation
Gold (XAU)
+0.17
Weak correlation
Check Custom Correlation
How does any other asset move with NU? One year of daily closes, Pearson correlation.
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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
$13.91
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$14.19
Buy at current price
Higher risk, immediate entry
Risk Management
STOP LOSS
$13.31
MAX LOSS
-4.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (38.1) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$14.60
+5% (Conservative)
+2.9% (Aggressive)
TARGET 2
$15.30
+10% (Conservative)
+7.8% (Aggressive)
TARGET 3
$15.99
+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
Disclaimer
This AI-generated trade plan for NU is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 16, 2026.Growth of $10,000
A $10,000 investment in NU in December 2021 would be worth about $13,737 today, compared with about $16,241 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 $19,799 by 2036 in the base case, with a bull case near $150,209 and a bear case around $2,610. Projections are statistical simulations, not guarantees.
NU Stock Price Prediction: 2030
CleaRank's simulation projects a price near $18.65 for NU by 2030 in the base case, from $14.19 today (1.3x over 4 years). The downside path ends near $5.18. 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 | $8.00 | $15.19 | $28.84 |
| 2028 | $6.57 | $16.27 | $40.26 |
| 2029 | $5.74 | $17.42 | $52.84 |
| 2030 | $5.18 | $18.65 | $67.18 |
| 2031 | $4.76 | $19.97 | $83.67 |
| 2032 | $4.45 | $21.38 | $103 |
| 2033 | $4.20 | $22.89 | $125 |
| 2034 | $4.00 | $24.51 | $150 |
| 2035 | $3.84 | $26.24 | $179 |
| 2036 | $3.70 | $28.09 | $213 |
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
12
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 |
| Aug 24, 2026 | MORENO MEJIA LUIS ALBERTO
Director
|
Grant | 1.0K | - |
| Aug 7, 2026 | CALDERON PERES ROGERIO PAULO
Director
|
Grant | 23.5K | - |
| Aug 7, 2026 | LEONE DOUGLAS M
Director
|
Grant | 25.3K | - |
| Aug 7, 2026 | MARCUS DAVID
Director
|
Grant | 25.3K | - |
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Frequently Asked Questions
Is Nu Holdings Ltd. Class A stock a buy right now?
Nu Holdings Ltd. Class A is rated a Buy with a consensus score of 74 and a median analyst price target of $19.00, suggesting a 33.9% upside from its current price of $14.19. The company exhibits strong revenue growth and profitability, though recent insider selling and bearish technicals warrant consideration.
What is Nu Holdings Ltd. Class A's stock price forecast for 2030?
Based on Monte Carlo simulations, Nu Holdings Ltd. Class A's stock price is projected to reach a base case of $18.65 by 2030, with a downside scenario of $5.18 and an upside scenario of $67.18. These are statistical outcomes, not guarantees.
How does Nu Holdings Ltd. Class A compare to its sector peers?
Nu Holdings Ltd. Class A shows significantly higher revenue growth (52.1%) and ROE (31.63%) compared to sector medians (11.7% and 13.8% respectively). However, its P/S ratio (8.12) is notably higher than the sector median (3.8), indicating a premium valuation.
What are the key risks for Nu Holdings Ltd. Class A?
Key risks include recent insider selling totaling over $11 million, a bearish technical momentum indicated by RSI and moving averages, and an elevated P/S ratio that implies high growth expectations must be met.
What was Nu Holdings Ltd. Class A's most recent earnings performance?
In the quarter ending June 2026, Nu Holdings Ltd. Class A reported EPS of $0.22, beating estimates by 15.79% and leading to a 9.33% stock price increase. This followed a miss in the prior quarter.
What is the Wall Street consensus for Nu Holdings Ltd. Class A?
Wall Street analysts have a consensus rating of Buy for Nu Holdings Ltd. Class A, with a score of 74 out of 100. The median price target is $19.00, representing a 33.9% potential upside.
What is the outlook for Nu Holdings Ltd. Class A's revenue growth?
Analysts project strong revenue growth for Nu Holdings Ltd. Class A, with an estimated 45.00% increase for the current year and 21.00% for next year, indicating continued expansion.