Symbols / NU
NU Chart
About
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. It offers spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. The company also provides transactional Solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Banks - Regional | Market Cap | 80.10B |
| Enterprise Value | 70.20B | Income | 2.53B | Sales | 6.36B |
| Book/sh | 2.18 | Cash/sh | 3.03 | Dividend Yield | — |
| Payout | 0.00% | Employees | — | IPO | — |
| P/E | 31.79 | Forward P/E | 18.13 | PEG | — |
| P/S | 12.59 | P/B | 7.59 | P/C | — |
| EV/EBITDA | — | EV/Sales | 11.04 | Quick Ratio | — |
| Current Ratio | — | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | 0.52 | EPS next Y | 0.91 | EPS Growth | 40.90% |
| Revenue Growth | 36.30% | Earnings | 2026-02-25 | ROA | 4.32% |
| ROE | 27.80% | ROIC | — | Gross Margin | 0.00% |
| Oper. Margin | 58.21% | Profit Margin | 39.76% | Shs Outstand | 3.82B |
| Shs Float | 3.66B | Short Float | 2.86% | Short Ratio | 2.32 |
| Short Interest | — | 52W High | 18.98 | 52W Low | 9.01 |
| Beta | 1.08 | Avg Volume | 42.82M | Volume | 49.67M |
| Target Price | $19.99 | Recom | Strong_buy | Prev Close | $16.19 |
| Price | $16.53 | Change | 2.10% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$19.99
Mean price target
2. Current target
$16.53
Latest analyst target
3. DCF / Fair value
$7.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$16.53
Low
$17.00
High
$22.00
Mean
$19.99
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-01-27 | main | Susquehanna | Positive → Positive | $22 |
| 2025-12-04 | main | UBS | Neutral → Neutral | $18 |
| 2025-11-20 | main | JP Morgan | Overweight → Overweight | $18 |
| 2025-11-14 | main | Keybanc | Overweight → Overweight | $19 |
| 2025-11-14 | main | Susquehanna | Positive → Positive | $19 |
| 2025-10-16 | main | UBS | Neutral → Neutral | $16 |
| 2025-09-05 | main | JP Morgan | Overweight → Overweight | $17 |
| 2025-09-02 | main | UBS | Neutral → Neutral | $16 |
| 2025-08-27 | main | Susquehanna | Positive → Positive | $17 |
| 2025-08-25 | main | B of A Securities | Neutral → Neutral | $16 |
| 2025-08-25 | up | Banco Bradesco BBI S.A | Neutral → Outperform | $17 |
| 2025-08-20 | up | Citigroup | Sell → Buy | $18 |
| 2025-06-30 | main | JP Morgan | Overweight → Overweight | $16 |
| 2025-05-14 | main | Susquehanna | Positive → Positive | $15 |
| 2025-04-25 | main | Barclays | Overweight → Overweight | $16 |
| 2025-04-08 | up | JP Morgan | Neutral → Overweight | $13 |
| 2025-02-24 | main | Barclays | Overweight → Overweight | $15 |
| 2025-02-24 | main | JP Morgan | Neutral → Neutral | $14 |
| 2025-02-18 | main | UBS | Neutral → Neutral | $15 |
| 2024-12-02 | down | Citigroup | Neutral → Sell | $11 |
News
RSS: Latest NU news- Where Will Nu Holdings Be in 10 Years? - The Motley Fool Sun, 22 Feb 2026 13
- Nu Holdings (NU) stock ticks up premarket as Nubank heads into earnings day - TechStock² Wed, 25 Feb 2026 12
- I Still Like Nu Holdings Stock, But Right Now, I Like This Alternative Even Better - Yahoo Finance ue, 24 Feb 2026 19
- Nu Holdings Q4 Preview: Nu Is Coming For The U.S. Peers (NYSE:NU) - Seeking Alpha Fri, 20 Feb 2026 17
- NU Stock Sees Significant Price Fluctuation Amid Market Changes - StocksToTrade Mon, 23 Feb 2026 21
- Nu Holdings Ltd (NU) Stock, Price, News, Quotes, Forecast and Insights - MSN Fri, 20 Feb 2026 17
- Nu Holdings stock edges up premarket after 7.6% drop as Nubank earnings near - TechStock² ue, 24 Feb 2026 11
- Is It Too Late To Consider Nu Stock After Its 2025 Rally? - Yahoo Finance hu, 25 Dec 2025 08
- NU Stock Trends as Market Complexity Grows - StocksToTrade Mon, 23 Feb 2026 17
- Where Will Nu Stock Be in 5 Years? - The Motley Fool Sat, 17 Jan 2026 08
- NU Stock Surges 46% in 6 Months: Does the Buying Level Exist? - Nasdaq Mon, 09 Feb 2026 08
- Should You Buy Nu Holdings Stock While It's Below $18? - The Motley Fool Wed, 21 Jan 2026 08
- Nu Holdings Ltd. (NU) Stock Dips While Market Gains: Key Facts - Yahoo Finance Wed, 01 Oct 2025 07
- Should You Buy Nu Holdings (NU) Stock Before February? - The Motley Fool Mon, 29 Dec 2025 08
- Why Nubank (NU) Stock Is Up Today - Yahoo Finance Mon, 05 Jan 2026 08
Insider Transactions
No recent insider transactions.
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.29 | 0.33 | 0.34 | 0.03 |
| NetIncomeFromContinuingOperationNetMinorityInterest | 1.97B | 1.03B | -364.58M | -164.99M |
| ReconciledDepreciation | 77.13M | 62.90M | 35.58M | 17.34M |
| NetInterestIncome | 6.80B | 4.40B | 2.01B | 679.40M |
| InterestExpense | 2.83B | 2.04B | 1.55B | 367.34M |
| InterestIncome | 9.63B | 6.44B | 3.56B | 1.05B |
| NormalizedIncome | 1.97B | 1.03B | -364.58M | -164.99M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 1.97B | 1.03B | -364.58M | -164.99M |
| DilutedAverageShares | 4.89B | 4.86B | 4.68B | 4.61B |
| BasicAverageShares | 4.79B | 4.74B | 4.68B | 4.61B |
| DilutedEPS | 0.40 | 0.21 | -0.08 | -0.04 |
| BasicEPS | 0.41 | 0.22 | -0.08 | -0.04 |
| DilutedNIAvailtoComStockholders | 1.97B | 1.03B | -364.58M | -164.99M |
| NetIncomeCommonStockholders | 1.97B | 1.03B | -364.58M | -164.99M |
| NetIncome | 1.97B | 1.03B | -364.58M | -164.99M |
| MinorityInterests | 0.00 | 0.00 | 56.00K | 341.00K |
| NetIncomeIncludingNoncontrollingInterests | 1.97B | 1.03B | -364.63M | -165.33M |
| NetIncomeContinuousOperations | 1.97B | 1.03B | -364.63M | -165.33M |
| TaxProvision | 823.09M | 508.55M | 55.73M | -4.83M |
| PretaxIncome | 2.80B | 1.54B | -308.90M | -170.16M |
| OtherNonOperatingIncomeExpenses | -8.60M | -20.70M | -29.86M | -4.10M |
| DepreciationAmortizationDepletionIncomeStatement | 77.13M | 62.90M | 35.58M | 17.34M |
| DepreciationAndAmortizationInIncomeStatement | 77.13M | 62.90M | 35.58M | 17.34M |
| SellingGeneralAndAdministration | 1.44B | 1.14B | 1.43B | 659.86M |
| SellingAndMarketingExpense | 216.70M | 146.66M | 136.14M | 79.57M |
| GeneralAndAdministrativeExpense | 1.22B | 990.96M | 1.29B | 580.28M |
| OtherGandA | 330.38M | 277.09M | 259.49M | 128.52M |
| SalariesAndWages | 892.20M | 713.87M | 1.03B | 451.76M |
| TotalRevenue | 8.27B | 5.63B | 2.97B | 1.15B |
| OperatingRevenue | 8.27B | 5.63B | 2.97B | 1.15B |
| OtherNonInterestExpense | 780.42M | 586.68M | 381.41M | 153.43M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| OrdinarySharesNumber | 4.82B | 4.77B | 4.69B | 4.61B |
| ShareIssued | 4.82B | 4.77B | 4.69B | 4.61B |
| TotalDebt | 577.95M | 957.22M | 605.92M | 164.88M |
| TangibleBookValue | 6.88B | 5.71B | 4.31B | 3.97B |
| InvestedCapital | 8.20B | 7.33B | 5.48B | 4.60B |
| NetTangibleAssets | 6.88B | 5.71B | 4.31B | 3.97B |
| CapitalLeaseObligations | 26.20M | 36.94M | 20.35M | 7.62M |
| CommonStockEquity | 7.65B | 6.41B | 4.89B | 4.44B |
| TotalCapitalization | 7.98B | 7.21B | 5.44B | 4.60B |
| TotalEquityGrossMinorityInterest | 7.65B | 6.41B | 4.89B | 4.44B |
| MinorityInterest | 787.00K | 0.00 | 0.00 | 1.51M |
| StockholdersEquity | 7.65B | 6.41B | 4.89B | 4.44B |
| GainsLossesNotAffectingRetainedEarnings | -828.17M | 156.43M | -137.65M | -109.23M |
| OtherEquityAdjustments | -828.17M | 156.43M | -137.65M | -109.23M |
| RetainedEarnings | 3.42B | 1.28B | 64.58M | -128.41M |
| AdditionalPaidInCapital | 5.05B | 4.97B | 4.96B | 4.68B |
| CapitalStock | 84.00K | 84.00K | 83.00K | 83.00K |
| CommonStock | 84.00K | 84.00K | 83.00K | 83.00K |
| TotalLiabilitiesNetMinorityInterest | 42.28B | 36.94B | 25.04B | 15.42B |
| DerivativeProductLiabilities | 32.33M | 28.17M | 9.43M | 87.28M |
| NonCurrentDeferredLiabilities | 276.06M | 287.79M | 163.60M | 59.99M |
| NonCurrentDeferredRevenue | 276.06M | 287.79M | 122.49M | 30.66M |
| NonCurrentDeferredTaxesLiabilities | 41.12M | 29.33M | ||
| LongTermDebtAndCapitalLeaseObligation | 355.07M | 843.62M | 567.59M | 164.88M |
| LongTermCapitalLeaseObligation | 26.20M | 36.94M | 20.35M | 7.62M |
| LongTermDebt | 328.87M | 806.68M | 547.24M | 157.25M |
| LongTermProvisions | 52.04M | 30.15M | 35.51M | 18.08M |
| CurrentDebtAndCapitalLeaseObligation | 222.88M | 113.59M | 38.33M | |
| CurrentDebt | 222.88M | 113.59M | 38.33M | |
| OtherCurrentBorrowings | 222.88M | 113.59M | 38.33M | |
| PayablesAndAccruedExpenses | 10.86B | 11.38B | 7.78B | 5.22B |
| CurrentAccruedExpenses | 180.18M | 166.88M | 90.59M | 97.91M |
| Payables | 10.68B | 11.21B | 7.69B | 5.12B |
| OtherPayable | 244.63M | 158.17M | 122.77M | |
| TotalTaxPayable | 1.10B | 1.30B | 511.02M | 241.20M |
| IncomeTaxPayable | 1.10B | 1.30B | 511.02M | 241.20M |
| AccountsPayable | 9.33B | 9.76B | 7.05B | 4.88B |
| TotalAssets | 49.93B | 43.35B | 29.93B | 19.86B |
| InvestmentsAndAdvances | 11.24B | 9.26B | 10.52B | 9.00B |
| AvailableForSaleSecurities | 1.63B | 604.51M | 570.14M | 834.46M |
| LongTermEquityInvestment | 99.36M | 0.00 | ||
| GoodwillAndOtherIntangibleAssets | 761.90M | 693.42M | 579.56M | 474.21M |
| OtherIntangibleAssets | 347.62M | 295.88M | 182.16M | 72.34M |
| Goodwill | 414.29M | 397.54M | 397.40M | 401.87M |
| NetPPE | 46.22M | 69.75M | 46.46M | 20.54M |
| GrossPPE | 46.22M | 69.75M | 46.46M | 20.54M |
| OtherProperties | 46.22M | 69.75M | 46.46M | 20.54M |
| PrepaidAssets | 153.14M | 178.08M | 84.41M | 39.92M |
| Receivables | 13.89B | 14.53B | 9.00B | 4.90B |
| OtherReceivables | 1.63B | 2.12B | 767.64M | 122.21M |
| AccountsReceivable | 12.26B | 12.41B | 8.23B | 4.78B |
| AllowanceForDoubtfulAccountsReceivable | -2.36B | -2.07B | -1.03B | -381.63M |
| GrossAccountsReceivable | 14.62B | 14.49B | 9.27B | 5.16B |
| OtherShortTermInvestments | 9.51B | 8.65B | 9.95B | 8.16B |
| CashAndCashEquivalents | 13.64B | 13.37B | 6.89B | 2.53B |
| CashEquivalents | 169.49M | 854.85M | 153.74M | 1.41B |
| CashFinancial | 1.94B | 1.76B | 1.51B | 176.97M |
| CashCashEquivalentsAndFederalFundsSold | 15.99B | 13.40B | 6.97B | 3.66B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 2.22B | 1.09B | 641.27M | -2.95B |
| RepurchaseOfCapitalStock | 0.00 | 0.00 | -4.61M | |
| RepaymentOfDebt | -587.70M | -53.43M | -175.62M | -131.31M |
| IssuanceOfDebt | 1.31B | 469.50M | 581.14M | 116.35M |
| IssuanceOfCapitalStock | 0.00 | 0.00 | 248.00M | 3.39B |
| CapitalExpenditure | -174.99M | -177.00M | -114.31M | -28.50M |
| EndCashPosition | 9.19B | 5.92B | 4.17B | 2.71B |
| BeginningCashPosition | 5.92B | 4.17B | 2.71B | 2.34B |
| EffectOfExchangeRateChanges | 466.14M | 236.72M | 184.18M | 104.43M |
| ChangesInCash | 2.80B | 1.51B | 1.28B | 257.47M |
| FinancingCashFlow | 727.74M | 425.21M | 654.04M | 3.34B |
| CashFlowFromContinuingFinancingActivities | 727.74M | 425.21M | 654.04M | 3.34B |
| NetOtherFinancingCharges | -3.98M | -47.55M | ||
| ProceedsFromStockOptionExercised | 5.55M | 9.15M | 4.50M | 12.25M |
| NetPreferredStockIssuance | 0.00 | 0.00 | 800.00M | |
| PreferredStockIssuance | 0.00 | 0.00 | 800.00M | |
| NetCommonStockIssuance | 0.00 | 0.00 | 248.00M | 2.59B |
| CommonStockPayments | 0.00 | 0.00 | -4.61M | |
| CommonStockIssuance | 0.00 | 0.00 | 248.00M | 2.59B |
| NetIssuancePaymentsOfDebt | 722.20M | 416.07M | 405.52M | -14.96M |
| NetLongTermDebtIssuance | 722.20M | 416.07M | 405.52M | -14.96M |
| LongTermDebtPayments | -587.70M | -53.43M | -175.62M | -131.31M |
| LongTermDebtIssuance | 1.31B | 469.50M | 581.14M | 116.35M |
| InvestingCashFlow | -330.63M | -177.00M | -127.15M | -154.19M |
| CashFlowFromContinuingInvestingActivities | -330.63M | -177.00M | -127.15M | -154.19M |
| NetInvestmentPurchaseAndSale | -150.00M | 0.00 | -2.50M | -11.21M |
| PurchaseOfInvestment | -150.00M | 0.00 | -2.50M | -11.21M |
| NetBusinessPurchaseAndSale | -5.64M | 0.00 | -10.35M | -114.49M |
| PurchaseOfBusiness | -5.64M | 0.00 | -10.35M | -114.49M |
| NetIntangiblesPurchaseAndSale | -169.57M | -156.76M | -94.31M | -22.47M |
| PurchaseOfIntangibles | -169.57M | -156.76M | -94.31M | -22.47M |
| NetPPEPurchaseAndSale | -5.42M | -20.24M | -20.00M | -6.03M |
| PurchaseOfPPE | -5.42M | -20.24M | -20.00M | -6.03M |
| OperatingCashFlow | 2.40B | 1.27B | 755.57M | -2.92B |
| CashFlowFromContinuingOperatingActivities | 2.40B | 1.27B | 755.57M | -2.92B |
| TaxesRefundPaid | -1.26B | -612.45M | -297.09M | -52.31M |
| InterestReceivedCFO | 5.82B | 3.39B | 1.57B | 563.55M |
| InterestPaidCFO | -88.08M | -82.90M | -30.93M | -9.06M |
| ChangeInWorkingCapital | -7.39B | -4.71B | -1.85B | -3.72B |
| ChangeInOtherWorkingCapital | 3.36B | 8.36B | 5.18B | -664.94M |
| ChangeInOtherCurrentLiabilities | 1.11B | 1.28B | 979.28M | 417.23M |
| ChangeInOtherCurrentAssets | 1.18B | -4.60B | -2.65B | -988.96M |
| ChangeInPayablesAndAccruedExpense | -528.51M | 2.82B | 2.22B | 1.60B |
| ChangeInPayable | -528.51M | 2.82B | 2.22B | 1.60B |
| ChangeInAccountPayable | -528.51M | 2.82B | 2.22B | 1.60B |
| ChangeInReceivables | -5.49B | -9.01B | -5.70B | -2.57B |
| ChangesInAccountReceivables | -5.87B | -7.88B | -5.21B | -2.57B |
| OtherNonCashItems | 194.90M | 143.73M | 395.08M | 25.07M |
| StockBasedCompensation | 272.38M | 212.55M | 253.20M | 157.32M |
| UnrealizedGainLossOnInvestmentSecurities | 47.92M | 15.90M | 18.64M | 19.34M |
| DeferredTax | -713.43M | -675.68M | -417.61M | -224.65M |
| DeferredIncomeTax | -713.43M | -675.68M | -417.61M | -224.65M |
| DepreciationAmortizationDepletion | 77.13M | 62.90M | 35.58M | 17.34M |
| DepreciationAndAmortization | 77.13M | 62.90M | 35.58M | 17.34M |
| OperatingGainsLosses | 20.00K | 848.00K | -39.28M | |
| GainLossOnInvestmentSecurities | 18.64M | -19.94M | ||
| NetIncomeFromContinuingOperations | 1.97B | 1.03B | -364.63M | -165.33M |
SEC Filings
No SEC filings found for this symbol (may be non-US or ticker not in SEC index).
Public Trades for NU
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|