Nu Holdings Ltd. (NU): price, analyst ratings, earnings and fundamentals
Updated 16 September 2026, 08:02 ET
Nu Holdings Ltd. (NU) closed at $14.19 on 15 September 2026, down 1.5%. The stock is down 6.8% over one month and down 9.6% over one year. It trades 25.2% below its 52-week high of $18.98. Analysts recorded 8 actions in the last 90 days; the median price target of $18 is 26.8% above the last close. The company last reported on 13 August 2026 for Q2 2026: EPS of $0.22 against an estimate of $0.19, a beat of 13.7%, on revenue of $5.5 billion.
Price and performance
Performance figures use dividend and split adjusted closes over trading sessions, so a one-year move compares the last close with the close 252 sessions earlier. The 52-week range uses the adjusted daily highs and lows of the same window. Read the guide: Momentum, trend and technical indicators.
The live chart with technical indicators is in the app: open NU in FundSpec.
Analyst ratings
Over the last 90 days FundSpec recorded 8 analyst actions on NU from 6 firms: 6 maintained or reiterated a view, 1 downgrade and 1 initiation. Price targets were 4 raised and 2 lowered. The most recent targets from 9 firms range from $10 to $20, with a median of $18, 26.8% above the last close.
| Date | Firm | Action | Price target |
|---|---|---|---|
| 16 Sep 2026 | Itau BBA | Downgrades to Market Perform from Outperform | $20.00 to $18.00 |
| 11 Sep 2026 | Needham | Reiterates Buy | $19.00 |
| 25 Aug 2026 | Wolfe Research | Maintains Outperform | $18.00 to $17.00 |
| 20 Aug 2026 | UBS | Maintains Buy | $16.90 to $18.20 |
| 14 Aug 2026 | Susquehanna | Maintains Neutral | $13.00 to $16.00 |
| 14 Aug 2026 | Needham | Maintains Buy | $17.00 to $19.00 |
| 7 Jul 2026 | JP Morgan | Maintains Overweight | $18.00 to $20.00 |
| 26 Jun 2026 | Needham | Initiates Coverage On Buy | $17.00 |
| 15 Jun 2026 | Citigroup | Downgrades to Neutral from Buy | $18.00 to $13.00 |
| 3 Jun 2026 | Susquehanna | Downgrades to Neutral from Positive | $18.00 to $13.00 |
A price target is one firm's twelve-month view, and the median across firms is a steadier reading than any single call. Upgrades and downgrades matter more when they change a rating, not only a target. Read the guide: What analyst ratings and price targets actually tell you.
Every action with the firm's history is in Analyst Ratings.
Earnings
The next report is scheduled for 12 November 2026 after the close for Q3 2026, with EPS expected at $0.22 on revenue of $5.9 billion. Nu Holdings Ltd. beat the EPS estimate in 4 of its last 8 reported quarters.
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue |
|---|---|---|---|---|---|
| Q2 2026 | 13 Aug 2026 | $0.19 | $0.22 | +13.68% | $5.5B |
| Q1 2026 | 14 May 2026 | $0.19 | $0.18 | -6.32% | $5.0B |
| Q4 2025 | 25 Feb 2026 | $0.18 | $0.18 | +0.56% | $4.7B |
| Q3 2025 | 13 Nov 2025 | $0.15 | $0.17 | +13.33% | $4.2B |
| Q2 2025 | 14 Aug 2025 | $0.14 | $0.13 | -7.14% | $3.7B |
| Q1 2025 | 13 May 2025 | $0.13 | $0.12 | -7.69% | $3.2B |
| Q4 2024 | 20 Feb 2025 | $0.12 | $0.11 | -8.33% | $3.0B |
| Q3 2024 | 13 Nov 2024 | $0.11 | $0.12 | +9.09% | $2.9B |
An earnings surprise is the reported EPS against the consensus estimate on the day. The price reaction depends as much on guidance and on what was already priced in as on the surprise itself. Read the guide: Earnings season: estimates, surprises and price reaction.
Estimates, confirmed dates and alerts for every company are in Earnings.
Fundamentals
On a trailing twelve month basis the company shows revenue growth of 43.44%, a gross margin of 45.61%, an operating margin of 48.88% and a return on equity of 28.07%.
Assets
| Line | Amount |
|---|---|
| Cash & Cash Equivalents | $9,185,742,000 |
| Accounts & Notes Receivable, Net | $6,100,636,000 |
| Other Receivables | $1,413,443,000 |
| Plant, Property & Equipment, Net | $25,879,000 |
| Goodwill Intangible Assets, Net | $761,903,000 |
| Deferred Tax Asset | $1,818,339,000 |
| Total Assets | $49,931,214,000 |
Liabilities and equity
| Line | Amount |
|---|---|
| Total Short-term Debt | $1,730,357,000 |
| Long-term Debt | $1,730,357,000 |
| Minority Interest | $787,000 |
| Total Liabilities | $42,284,138,000 |
| Total Stockholders Equity | $7,646,289,000 |
| Total Liability & Stockholders Equity | $49,931,214,000 |
Figures as filed with the SEC for the period ended 31 December 2024, in US dollars.
FundSpec fundamental metrics
Each metric is computed from the company's filings and ranked against every company FundSpec covers; the percentile is the share of covered companies with a lower value.
Leverage
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Debt/Assets | 0.07 | 53rd | Calculated as the ratio of Short-Term Debt + Long-Term Debt / Total Assets. The higher the ratio, the higher the degree of leverage, and consequently, financial risk |
| Debt/Equity | 0.45 | 60th | Calculated as the ratio of Total Liabilities / Shareholders' Equity. The ratio indicates how much debt a company is using to finance its assets relative to the amount of value represented in shareholders’ equity |
| Degree of Financial Leverage | 2.01 | 91st | Calculated as the ratio of Percentage change in EPS / Percentage change in EBIT. A higher degree of financial leverage means that the company has more volatile EPS. |
| Long Term Debt/Long Term Capital | 0.18 | 28th | Calculated as Long-Term Debt / (Long-Term Debt + Shareholders' Equity). The ratio is an indicator of the company's leverage |
| Long Term Debt/Total Capital | 0.16 | 25th | Calculated as (Short-Term Debt + Long-Term Debt / (Short-Term Debt + Long-Term Debt + Shareholders' Equity). The ratio is an indicator of the company's leverage |
Profitability
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Gross Margin Pct | 45.6% | 58th | Calculated as the ratio of Revenue - Cost of Goods Sold (COGS) / Revenue. The gross margin represents the percent of total sales revenue that the company retains after incurring the direct costs associated with producing the goods and services sold by a company. |
| Operating Margin Pct | 48.9% | 96th | Calculated as the ratio of (Revenue - (Cost of Goods Sold + Labour + Sales, General & Administrative)) / Revenue. Operating margins are important because they measure efficiency. The higher the operating margin, the more profitable a company's core business is. |
| PreTax Margin Pct | 24.3% | 82nd | Calculated as the ratio of (Gross profit - (Operating Expense + Interest Expense)) / Revenue. The pretax profit margin enables profitability to be compared across companies with significant differences in size, scale, capital structure and tax rates. |
| Return on Assets Pct | 4.2% | 77th | Calculated as the ratio of Net Income / Total Assets. It is an indicator of how efficient the company is at using its assets to generate earnings. |
| Return on Equity Pct | 28.1% | 91st | Calculated as the ratio of Net Income / Shareholders' equity. It is a measure of how much profit a company generates with the money shareholders have invested. |
| Return on Invested Capital Pct | 37.9% | 97th | Calculated as the ratio of (Net Income - Dividends) / (Debt + Equity). It is a measure of how efficient the company is at allocating the capital under its control to profitable investments. |
Earnings Growth (Net Income)
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Net Income Pct Growth | 91.4% | 80th | The Net Income growth rate over the trailing twelve months (TTM) |
Cashflow
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Operating Cashflow Pct Growth | 89.5% | 83rd | The Operating Cashflow growth rate over the trailing twelve months (TTM) |
| Operating Cashflow Pct Growth 5 year CAGR (FY) | 54.1% | 97th | The Operating Cashflow compound annual growth rate (CAGR) over the past 5 years |
Top Line Growth
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Revenue Pct Growth | 43.4% | 87th | The Revenue (Sales) growth rate over the trailing twelve months (TTM) |
| Revenue Pct Growth 3 year CAGR | 89.3% | 96th | The Revenue (Sales) compound annual growth rate (CAGR) over the past 3 years |
| Revenue Pct Growth 5 year CAGR | 79.8% | 97th | The Revenue (Sales) compound annual growth rate (CAGR) over the past 5 years |
Taxes
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Effective Tax Rate Pct | 29.4% | 89th | The effective tax rate of the company over the trailing twelve months (TTM). |
Margins and returns say how much of each dollar of sales becomes profit and how hard the balance sheet is working; leverage and liquidity say how much room the company has when conditions turn. Read the guide: A practical guide to discounted cash flow valuation.
Fair value, peer multiples and the full statement history are in the app: open NU in FundSpec.
SEC filings
The latest filing is a 20-F from 8 April 2026.
| Filed | Form | Document |
|---|---|---|
| 8 Apr 2026 | 20-F | View on sec.gov |
| 16 Apr 2025 | 20-F | View on sec.gov |
| 19 Apr 2024 | 20-F | View on sec.gov |
| 20 Apr 2023 | 20-F | View on sec.gov |
| 21 Apr 2022 | 20-F | View on sec.gov |
Company profile
- Exchange
- NYSE
- Sector
- Consumer and Specialty Finance
- Industry
- Banking
- Chief executive
- David V. Osorno
- Employees
- 6,080
- Website
- nubank.com.br
- SEC CIK
- 0001691493
Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards, Ultraviolet credit cards, and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds.
Sector and peers
Nu Holdings Ltd. is part of the Consumer and Specialty Finance sector, which FundSpec tracks across 87 companies.
Companies in the same industry by market capitalization:
IX Orix Corp.RKT Rocket Companies, Inc.
Put two of them side by side in Compare.
In FundSpec: the fair value estimate, the momentum reading, relative valuation against sector and industry peers, unusual options activity and AI model signals for NU are available to subscribers, with the same screen in the iOS and Android apps.
Open NU in FundSpec