{
 "@context": "https://clearank.com/llms.txt",
 "@type": "clearank:AssetAnalysis",
 "url": "https://clearank.com/stock/nu-holdings-nu/",
 "dataUrl": "https://clearank.com/stock/nu-holdings-nu/data.json",
 "title": "Nu Holdings Ltd (NU) Stock Forecast & Price Target (2026)",
 "description": "Nu Holdings Ltd. Class A (NU) stock: Financial Services, Banks - Regional. $68.5B market cap. AI rating, technicals, 2030 forecast and trade plans.",
 "headline": "Nu Holdings Ltd. Class A (NU)",
 "published": "2026-07-03T09:41:32+00:00",
 "modified": "2026-09-16T01:01:28.276+00:00",
 "generated": "2026-09-16T09:13:19.389Z",
 "language": "en-US",
 "publisher": {
  "name": "CleaRank",
  "url": "https://clearank.com/"
 },
 "disclaimer": "Educational and informational only; not financial advice. AI-generated analysis reviewed by the CleaRank editorial team; prices delayed up to 15 minutes.",
 "asset": {
  "ticker": "NU",
  "name": "Nu Holdings Ltd. Class A",
  "type": "Common Stock",
  "exchange": "NYSE",
  "currency": "USD",
  "sector": "Financial Services",
  "industry": "Banks - Regional",
  "country": "Brazil",
  "website": "https://nubank.com.br"
 },
 "quote": {
  "price": 14.19,
  "previousClose": 14.41,
  "change": -0.22,
  "changePercent": -1.53,
  "open": 14.37,
  "high": 14.41,
  "low": 14.06,
  "volume": 59505968,
  "averageVolume": 67234637,
  "marketCap": 68547472071,
  "fiftyTwoWeekHigh": 18.98,
  "fiftyTwoWeekLow": 11.2,
  "marketOpen": false,
  "asOf": "2026-09-16T01:01:28.000Z"
 },
 "statistics": {
  "pe": 19.438354,
  "eps": 0.73,
  "dividendYield": 0,
  "beta": 0.94,
  "priceToSales": 8.119749,
  "priceToBook": 5.1731677,
  "revenueTtm": 8442067968,
  "grossMargin": null,
  "returnOnEquity": 0.31628
 },
 "technicals": {
  "rsi": 38.1,
  "macd": 0.1,
  "sma50": 14.38,
  "sma200": 14.94,
  "rsiSignal": "Bearish",
  "trend": "Bearish",
  "pricePosition": "Bearish",
  "macdSignal": "Bullish",
  "rating": "Bearish"
 },
 "analysis": {
  "rating": "Buy",
  "score": 74,
  "consensus": "Buy",
  "fairValue": 19,
  "analystTarget": 19,
  "analystCount": 22,
  "wallStreetConsensus": "Buy",
  "generatedAt": "2026-09-16T01:01:28.000Z",
  "priceAtAnalysis": 14.19,
  "volatility": {
   "daily": 2.87,
   "risk": "standard"
  }
 },
 "tradePlan": {
  "bias": "Bullish",
  "conservativeEntry": 13.91,
  "aggressiveEntry": 14.19,
  "stopLoss": 13.31,
  "stopLossPercent": 4.31,
  "targets": [
   14.6,
   15.3,
   15.99
  ]
 },
 "projections": {
  "basis": "Monte Carlo simulation on historical return distribution, re-run daily; not price targets",
  "years": [
   {
    "year": 2027,
    "downside10th": 8,
    "base": 15.19,
    "upside90th": 28.84
   },
   {
    "year": 2028,
    "downside10th": 6.57,
    "base": 16.27,
    "upside90th": 40.26
   },
   {
    "year": 2029,
    "downside10th": 5.74,
    "base": 17.42,
    "upside90th": 52.84
   },
   {
    "year": 2030,
    "downside10th": 5.18,
    "base": 18.65,
    "upside90th": 67.18
   },
   {
    "year": 2031,
    "downside10th": 4.76,
    "base": 19.97,
    "upside90th": 83.67
   },
   {
    "year": 2032,
    "downside10th": 4.45,
    "base": 21.38,
    "upside90th": 102.72
   },
   {
    "year": 2033,
    "downside10th": 4.2,
    "base": 22.89,
    "upside90th": 124.72
   },
   {
    "year": 2034,
    "downside10th": 4,
    "base": 24.51,
    "upside90th": 150.12
   },
   {
    "year": 2035,
    "downside10th": 3.84,
    "base": 26.24,
    "upside90th": 179.41
   },
   {
    "year": 2036,
    "downside10th": 3.7,
    "base": 28.09,
    "upside90th": 213.15
   }
  ]
 },
 "faqCount": 7,
 "sources": [
  "TwelveData",
  "Wall Street consensus"
 ],
 "sections": [
  {
   "id": "price",
   "title": "NU Price Analysis"
  },
  {
   "id": "market-metrics",
   "title": "Market Metrics",
   "facts": {
    "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"
   }
  },
  {
   "id": "peer-benchmarking",
   "title": "Peer Benchmarking",
   "text": [
    "Sector Position Analysis Valuation is broadly in line with sector peers (18% difference), suggesting fair market pricing relative to industry standards."
   ]
  },
  {
   "id": "financials",
   "title": "NU Financial Performance",
   "text": [
    "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."
   ]
  },
  {
   "id": "analysis",
   "title": "NU Analysis",
   "text": [
    "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.",
    "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.",
    "Analysts forecast strong revenue growth of 45.00% for the current year and 21.00% for next year, indicating strong business expansion.",
    "Insiders have sold a net total of $11.1 million in stock across 17 transactions, suggesting potential caution or profit-taking among management.",
    "The stock is trading below its key moving averages (50-day and 200-day SMA) and exhibits bearish momentum according to the RSI.",
    "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."
   ],
   "lists": {
    "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."
    ]
   },
   "catalysts": [
    {
     "type": "Bullish",
     "title": "Strong Q2 2026 Earnings Beat",
     "text": "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 Report"
    },
    {
     "type": "Bullish",
     "title": "Positive Revenue Growth Estimates",
     "text": "Analysts forecast strong revenue growth of 45.00% for the current year and 21.00% for next year, indicating strong business expansion.",
     "source": "Analyst Estimates"
    },
    {
     "type": "Bearish",
     "title": "Moderate Insider Selling Signal",
     "text": "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 Transactions"
    },
    {
     "type": "Bearish",
     "title": "Bearish Technical Momentum",
     "text": "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 Analysis"
    }
   ]
  },
  {
   "id": "key-statistics",
   "title": "Key Statistics",
   "text": [
    "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.",
    "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.",
    "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."
   ],
   "tables": [
    {
     "caption": "",
     "columns": [],
     "rows": [
      {
       "label": "Market Cap",
       "cells": [
        "68.55B"
       ]
      },
      {
       "label": "P/E Ratio",
       "cells": [
        "19.44"
       ]
      },
      {
       "label": "EPS (TTM)",
       "cells": [
        "0.7300"
       ]
      },
      {
       "label": "Dividend Yield",
       "cells": [
        "0.00%"
       ]
      },
      {
       "label": "52 Week High",
       "cells": [
        "18.98"
       ]
      },
      {
       "label": "52 Week Low",
       "cells": [
        "11.20"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "technical-indicators",
   "title": "Technical Indicators",
   "text": [
    "Technical Rating Bearish 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."
   ],
   "facts": {
    "RSI": "Bearish",
    "SMA Cross": "Bearish",
    "Price vs SMA": "Bearish",
    "MACD": "Bullish"
   },
   "tables": [
    {
     "caption": "",
     "columns": [],
     "rows": [
      {
       "label": "RSI (14)",
       "cells": [
        "38.10"
       ]
      },
      {
       "label": "MACD",
       "cells": [
        "0.10"
       ]
      },
      {
       "label": "SMA 50",
       "cells": [
        "14.38"
       ]
      },
      {
       "label": "SMA 200",
       "cells": [
        "14.94"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "correlations",
   "title": "Market Correlations",
   "text": [
    "How this stock moves relative to other assets",
    "Based on 1 year of daily price data. Correlations may vary over different time periods."
   ],
   "facts": {
    "Correlation with S&P 500 (SPY)": "+0.50",
    "Correlation with Nasdaq 100 (QQQ)": "+0.47",
    "Correlation with Bitcoin (BTC)": "+0.19",
    "Correlation with Gold (XAU)": "+0.17"
   }
  },
  {
   "id": "trade-plans",
   "title": "NU Trade Plans",
   "text": [
    "Specific entry, exit, and risk management levels",
    "Lower risk, wait for pullback",
    "Higher risk, immediate entry",
    "Volatility-Adjusted Stop Loss Calculated based on RSI (38.1) and current market volatility",
    "Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3"
   ],
   "facts": {
    "TARGET 1": "$14.60",
    "TARGET 2": "$15.30",
    "TARGET 3": "$15.99",
    "STOP LOSS": "$13.31"
   }
  },
  {
   "id": "seasonality",
   "title": "Seasonal Patterns",
   "text": [
    "Historical monthly performance trends",
    "Based on 3 years of historical monthly returns"
   ],
   "facts": {
    "Average Jan return": "+7.94%",
    "Average Feb return": "-1.13%",
    "Average Mar return": "-1.26%",
    "Average Apr return": "+0.01%",
    "Average May return": "-2.58%",
    "Average Jun return": "+8.06%",
    "Average Jul return": "+0.48%",
    "Average Aug return": "+12.31%",
    "Average Sep return": "-2.13%",
    "Average Oct return": "+10.11%",
    "Average Nov return": "-4.83%",
    "Average Dec return": "-6.68%"
   }
  },
  {
   "id": "risk",
   "title": "Risk & Volatility",
   "facts": {
    "Daily Volatility": "2.87%"
   },
   "lists": {
    "Risk considerations": [
     "Monitor position sizing based on current volatility levels",
     "Consider stop-loss placement beyond recent price range",
     "Diversification helps mitigate single-stock risk exposure"
    ]
   }
  },
  {
   "id": "growth",
   "title": "Growth of $10,000",
   "text": [
    "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."
   ]
  },
  {
   "id": "monte-carlo",
   "title": "Monte Carlo Projection (10yr)",
   "text": [
    "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."
   ]
  },
  {
   "id": "price-prediction",
   "title": "NU Stock Price Prediction: 2030",
   "text": [
    "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.",
    "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."
   ],
   "tables": [
    {
     "caption": "NU simulated price paths by year",
     "columns": [
      "Year",
      "Downside (10th pct)",
      "Base case",
      "Upside (90th pct)"
     ],
     "rows": [
      {
       "label": "2027",
       "cells": [
        "$8.00",
        "$15.19",
        "$28.84"
       ]
      },
      {
       "label": "2028",
       "cells": [
        "$6.57",
        "$16.27",
        "$40.26"
       ]
      },
      {
       "label": "2029",
       "cells": [
        "$5.74",
        "$17.42",
        "$52.84"
       ]
      },
      {
       "label": "2030",
       "cells": [
        "$5.18",
        "$18.65",
        "$67.18"
       ]
      },
      {
       "label": "2031",
       "cells": [
        "$4.76",
        "$19.97",
        "$83.67"
       ]
      },
      {
       "label": "2032",
       "cells": [
        "$4.45",
        "$21.38",
        "$103"
       ]
      },
      {
       "label": "2033",
       "cells": [
        "$4.20",
        "$22.89",
        "$125"
       ]
      },
      {
       "label": "2034",
       "cells": [
        "$4.00",
        "$24.51",
        "$150"
       ]
      },
      {
       "label": "2035",
       "cells": [
        "$3.84",
        "$26.24",
        "$179"
       ]
      },
      {
       "label": "2036",
       "cells": [
        "$3.70",
        "$28.09",
        "$213"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "people-also-watch",
   "title": "People Also Watch",
   "links": [
    {
     "text": "MS Morgan Stanley NYSE $206.28 -0.15%",
     "url": "https://clearank.com/stock/morgan-stanley-ms/"
    },
    {
     "text": "MTB M&T Bank Corporation NYSE $237.99 +0.07%",
     "url": "https://clearank.com/stock/mtb-stock-analysis/"
    },
    {
     "text": "SPGI S&P Global Inc. NYSE $412.52 -1.44%",
     "url": "https://clearank.com/stock/sp-global-spgi/"
    },
    {
     "text": "KKR KKR & Co. Inc. NYSE $100.95 -1.29%",
     "url": "https://clearank.com/stock/kkr-co-inc/"
    },
    {
     "text": "MMC Marsh & McLennan Companies, Inc. NYSE $179.76 -0.37%",
     "url": "https://clearank.com/stock/mmc-stock-analysis/"
    },
    {
     "text": "CRCL Circle Internet Group Inc. NYSE $97.42 +7.53%",
     "url": "https://clearank.com/stock/circle-internet-group-crcl/"
    },
    {
     "text": "CPF Central Pacific Financial Corp. NYSE $37.83 +0.00%",
     "url": "https://clearank.com/stock/central-pacific-financial-cpf/"
    },
    {
     "text": "AFL Aflac Incorporated NYSE $117.55 +0.46%",
     "url": "https://clearank.com/stock/aflac-afl/"
    }
   ]
  },
  {
   "id": "related-comparisons",
   "title": "Popular Comparisons",
   "links": [
    {
     "text": "XMR/USD vs ZEC/USD Comparison Head-to-head analysis →",
     "url": "https://clearank.com/compare/xmr-vs-zec/"
    },
    {
     "text": "GS vs MS Comparison Head-to-head analysis →",
     "url": "https://clearank.com/compare/gs-vs-ms/"
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    {
     "text": "QBTS vs QUBT Comparison Head-to-head analysis →",
     "url": "https://clearank.com/compare/qbts-vs-qubt/"
    }
   ]
  },
  {
   "id": "insider-trading",
   "title": "NU Insider Trading Analysis",
   "facts": {
    "Bought": "None",
    "Sold": "$11.1M",
    "Insiders": "12",
    "Avg Transaction": "$1.9M"
   },
   "tables": [
    {
     "caption": "Recent insider transactions in NU",
     "columns": [
      "Date",
      "Insider",
      "Type",
      "Shares",
      "Value"
     ],
     "rows": [
      {
       "label": "Mar 23, 2026",
       "cells": [
        "JUNQUERIA CRISTINA HELENA ZINGARETTI Officer",
        "Sell",
        "300.0K",
        "$4.4M"
       ]
      },
      {
       "label": "Aug 14, 2026",
       "cells": [
        "FRAGELLI HENRIQUE CAMOSSA SALDANHA Officer",
        "Sell",
        "221.7K",
        "$3.5M"
       ]
      },
      {
       "label": "Aug 25, 2026",
       "cells": [
        "JUNQUERIA CRISTINA HELENA ZINGARETTI Officer",
        "Sell",
        "90.0K",
        "$1.3M"
       ]
      },
      {
       "label": "Aug 14, 2026",
       "cells": [
        "JUNQUEIRA CRISTINA ELENA ZINGARETTI Officer",
        "Sell",
        "50.0K",
        "$790.0K"
       ]
      },
      {
       "label": "Aug 14, 2026",
       "cells": [
        "JUNQUERIA CRISTINA HELENA ZINGARETTI Officer",
        "Sell",
        "50.0K",
        "$790.0K"
       ]
      },
      {
       "label": "May 15, 2026",
       "cells": [
        "SANDS ANITA M Director",
        "Sell",
        "21.0K",
        "$257.0K"
       ]
      },
      {
       "label": "Aug 24, 2026",
       "cells": [
        "MORENO MEJIA LUIS ALBERTO Director",
        "Grant",
        "1.0K",
        "-"
       ]
      },
      {
       "label": "Aug 7, 2026",
       "cells": [
        "CALDERON PERES ROGERIO PAULO Director",
        "Grant",
        "23.5K",
        "-"
       ]
      },
      {
       "label": "Aug 7, 2026",
       "cells": [
        "LEONE DOUGLAS M Director",
        "Grant",
        "25.3K",
        "-"
       ]
      },
      {
       "label": "Aug 7, 2026",
       "cells": [
        "MARCUS DAVID Director",
        "Grant",
        "25.3K",
        "-"
       ]
      }
     ]
    }
   ],
   "links": [
    {
     "text": "SEC Form 4",
     "url": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&company=Nu+Holdings+Ltd.+Class+A&type=4&dateb=&owner=include&count=40&search_text=&action=getcompany"
    }
   ]
  },
  {
   "id": "faq",
   "title": "Frequently Asked Questions"
  }
 ],
 "faq": [
  {
   "question": "Is Nu Holdings Ltd. Class A stock a buy right now?",
   "answer": "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."
  },
  {
   "question": "What is Nu Holdings Ltd. Class A's stock price forecast for 2030?",
   "answer": "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."
  },
  {
   "question": "How does Nu Holdings Ltd. Class A compare to its sector peers?",
   "answer": "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."
  },
  {
   "question": "What are the key risks for Nu Holdings Ltd. Class A?",
   "answer": "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."
  },
  {
   "question": "What was Nu Holdings Ltd. Class A's most recent earnings performance?",
   "answer": "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."
  },
  {
   "question": "What is the Wall Street consensus for Nu Holdings Ltd. Class A?",
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}