NU
Nu Holdings Ltd.

Nu Holdings Ltd.NU

Financial Services · Banks - Regional
11.99USD
+3.27%
Nov 05, 2026
NU overview ready
Nu Holdings Ltd. operates a digital banking platform offering financial services primarily in Latin America and the United States, enabling customers to manage payments, credit, and purchases through mobile and digital channels.
Theme not measured
No economic group is assigned yet.
Price trend is broken
Longer-term context reads trend under pressure, with a near-term setup of failed reclaim.
The tactical setup reads failed reclaim, but the weekly structure is broken.
Demanding valuation
The price embeds expectations that run ahead of the strength of its balance sheet.
Fundamentals not measured
Market Nov 4Price action Nov 5

Conviction Level

Theme Momentum has no canonical measurement for this company — a research-profile dimension, not an input to this score.

PriceAction5.4BusinessPerformance—BusinessQuality—Valuation2.6ThemeMomentum—Business Performance not yet available.

Conviction uses Price Action, Business Performance, Business Quality, Valuation. Theme Momentum is research context, not an input.

Theme momentumPrimary theme · group context, not entry timing
No economic group yet — pending research
Price
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Price Action

Price trend is broken
Longer-term context reads trend under pressure, with a near-term setup of failed reclaim.
The tactical setup reads failed reclaim, but the weekly structure is broken.
EntryConstructive

Structure is constructive on both timeframes without excessive extension — a reasonable entry location.

Key Financials

Market Cap
$56.1B
Avg Volume (60D)
82.3M
60 sessions
Revenue Growth YoY
+53.5%
Trailing twelve months
Gross Margin
+100.0%
Operating Margin
+24.5%
Trailing twelve months
P/E
15.9x
EV / Sales
4.6x
Market metrics as of Nov 4, 2026

Business Performance

Business Quality

Not assessed

Not assessed — the company files under a regime the financial record does not cover yet.

Fundamentals & Valuation

Only one valuation perspective could be built for this company, and it reads expensive.
Nu Holdings Ltd. has an Expensive valuation stance because the price embeds expectations that run ahead of the strength of its balance sheet. It trades at 4.6x revenue, which requires sustained delivery to be justified.

Company Research

Research coverage for this company is in progress.

Economic classification

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Business & Markets

Financial Services · Banks - Regional
What they do

Nu Holdings Ltd. operates a digital banking platform offering financial services primarily in Latin America and the United States, enabling customers to manage payments, credit, and purchases through mobile and digital channels.

How it earns

The company generates revenue primarily through transactional fees and interest income from credit products.

Products & services
Nu credit and prepaid card
Nubank+ Tier digital banking experience
Ultraviolet premium metal credit card
Mobile payment solutions
Nu Shopping integrated marketplace
Customers & end markets
Retail banking customers in Brazil, Mexico, Colombia, Cayman Islands, and the United States
Underbanked and digitally savvy consumers in Latin America
Market position

Leader in digital banking within Latin America with expanding presence in multiple countries.

Demand drivers
Medium cyclicality

Financial services revenues can be influenced by economic cycles affecting credit demand and payment activity.