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Upturn AI SWOT - About
NU 
Nu Holdings Ltd (NU)
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Upturn Advisory Summary
09/17/2025: NU (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
20 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $16.99
1 Year Target Price $16.99
| 7 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 55.73% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 76.79B USD | Price to earnings Ratio 33.81 | 1Y Target Price 16.99 |
Price to earnings Ratio 33.81 | 1Y Target Price 16.99 | ||
Volume (30-day avg) 20 | Beta 1.08 | 52 Weeks Range 9.01 - 16.14 | Updated Date 09/17/2025 |
52 Weeks Range 9.01 - 16.14 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 39.32% | Operating Margin (TTM) 54.14% |
Management Effectiveness
Return on Assets (TTM) 4.28% | Return on Equity (TTM) 27.88% |
Valuation
Trailing PE 33.81 | Forward PE 19.53 | Enterprise Value 66156486656 | Price to Sales(TTM) 13.13 |
Enterprise Value 66156486656 | Price to Sales(TTM) 13.13 | ||
Enterprise Value to Revenue 8.14 | Enterprise Value to EBITDA - | Shares Outstanding 3781750016 | Shares Floating 3614069590 |
Shares Outstanding 3781750016 | Shares Floating 3614069590 | ||
Percent Insiders 4.94 | Percent Institutions 79.62 |
Upturn AI SWOT
Nu Holdings Ltd
Company Overview
History and Background
Nu Holdings Ltd., doing business as Nubank, was founded in 2013 in Brazil by David Vu00e9lez, Cristina Junqueira, and Edward Wible. Initially offering credit cards, it rapidly expanded into banking services, focusing on underserved populations in Latin America. Nubank achieved unicorn status quickly and went public in 2021.
Core Business Areas
- Digital Banking: Offers a suite of digital banking services, including accounts, credit cards, loans, and investments, all accessible through a mobile app.
- Credit Cards: Provides no-fee credit cards with features like virtual cards and spending tracking.
- Personal Loans: Offers unsecured personal loans with flexible repayment terms.
- Investment Platform: Provides access to investment products, including fixed income and equity funds.
- Insurance: Offers a range of insurance products tailored to the needs of its customers.
Leadership and Structure
David Vu00e9lez is the Founder and CEO. The company has a modern organizational structure focused on agile teams and data-driven decision-making. There is a board of directors with various experienced members.
Top Products and Market Share
Key Offerings
- Credit Card: The no-fee credit card is Nubank's flagship product. They have a substantial share of the Brazilian credit card market. Competitors include Itau Unibanco (ITUB), Banco Bradesco (BBD), and Santander Brasil (BSBR).
- NuAccount: Digital banking account allowing users to manage their money, make transfers, and pay bills. The product has a strong user base in Brazil. Competitors include PicPay, Mercado Pago (MELI), and PagBank.
- Personal Loans: Offers personal loans with customizable terms. This is a growing area for Nubank. Competitors include Creditas, Banco Inter (BIDI4.SA), and traditional banks.
Market Dynamics
Industry Overview
The fintech industry in Latin America is rapidly growing, driven by increasing internet penetration, smartphone adoption, and a large unbanked population. There is fierce competition among digital banks, payment platforms, and traditional financial institutions.
Positioning
Nubank is positioned as a leading digital bank in Latin America, known for its user-friendly app, competitive pricing, and focus on customer service. Its competitive advantage lies in its technology, brand recognition, and low-cost operating model.
Total Addressable Market (TAM)
The estimated TAM for financial services in Latin America is substantial, potentially reaching hundreds of billions of dollars. Nubank is well-positioned to capture a significant share of this market, targeting the large underbanked and underserved populations.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- User-friendly mobile app
- Low-cost operating model
- Large customer base
- Innovative product offerings
- Strong growth in Latin America
Weaknesses
- Geographic concentration (primarily Brazil)
- Reliance on mobile technology
- Relatively young company
- Limited profitability relative to traditional banks
- Highly competitive landscape
Opportunities
- Expansion into new Latin American markets
- Development of new financial products and services
- Partnerships with other companies
- Increase in financial inclusion in Latin America
- Capitalizing on open banking initiatives
Threats
- Increased competition from other fintech companies
- Regulatory changes
- Economic instability in Latin America
- Cybersecurity risks
- Fluctuations in exchange rates
Competitors and Market Share
Key Competitors
- ITUB
- BBD
- MELI
- XP
Competitive Landscape
Nubank competes with both traditional banks and other fintech companies. Its advantages include its user-friendly app, low-cost structure, and strong brand. However, it faces challenges from established banks with greater financial resources and regulatory expertise. Other fintechs also pose competitive pressure with specialized products.
Major Acquisitions
Olivia AI
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired to improve the AI capabilities within the platform to help customers improve their finances.
Growth Trajectory and Initiatives
Historical Growth: Nubank has experienced rapid growth in customer acquisition and revenue over the past several years, driven by its innovative products and services.
Future Projections: Analyst estimates suggest continued growth for Nubank, driven by expansion into new markets and the introduction of new products. Note that these are estimates and subject to change.
Recent Initiatives: Recent initiatives include expanding into Mexico and Colombia, launching new investment products, and partnering with other companies to offer additional services.
Summary
Nu Holdings has demonstrated substantial growth in a rapidly expanding fintech market in Latin America. Its user-friendly platform and no-fee products have resonated with a large customer base. While competition is intensifying and profitability remains a focus, Nubank's innovative approach and strong brand position it for continued expansion. Economic stability in the region, however, remains a critical risk to watch.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Nubank's official website and investor relations page
- SEC filings
- Third-party financial analysis reports
- Industry news sources
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on your own research and risk tolerance. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Nu Holdings Ltd
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2021-12-09 | Founder, Chairman & CEO Mr. David Velez-Osomo | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.nubank.com.br |
Full time employees - | Website https://www.nubank.com.br | ||
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.
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