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Upturn AI SWOT - About
NU 
Nu Holdings Ltd (NU)
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Upturn Advisory Summary
08/28/2025: NU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
20 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $16.86
1 Year Target Price $16.86
| 7 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 44.12% | Avg. Invested days 48 | 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 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 71.37B USD | Price to earnings Ratio 31.43 | 1Y Target Price 16.86 |
Price to earnings Ratio 31.43 | 1Y Target Price 16.86 | ||
Volume (30-day avg) 20 | Beta 1.06 | 52 Weeks Range 9.01 - 16.14 | Updated Date 08/29/2025 |
52 Weeks Range 9.01 - 16.14 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
Earnings Date
Report Date 2025-08-14 | When After Market | Estimate 0.13 | Actual 0.13 |
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 31.43 | Forward PE 24.1 | Enterprise Value 60744249344 | Price to Sales(TTM) 12.2 |
Enterprise Value 60744249344 | Price to Sales(TTM) 12.2 | ||
Enterprise Value to Revenue 7.47 | Enterprise Value to EBITDA - | Shares Outstanding 3781750016 | Shares Floating 3614069590 |
Shares Outstanding 3781750016 | Shares Floating 3614069590 | ||
Percent Insiders 4.94 | Percent Institutions 79.42 |
Upturn AI SWOT
Nu Holdings Ltd
Company Overview
History and Background
Nu Holdings Ltd. was founded in 2013 by David Vu00e9lez, Edward Wible, and Cristina Junqueira. Originally launched as Nubank in Brazil, it aimed to disrupt the traditional banking sector with a fully digital, low-fee, and customer-centric approach. Over time, it expanded its product offerings and geographical reach.
Core Business Areas
- Banking Services: Offers digital banking accounts, including debit and credit cards, personal loans, and investment products. Primarily focused on underserved populations in Latin America.
- Investment Products: Provides access to various investment options such as fixed income, stocks, and ETFs through its digital platform.
- Insurance: Offers digital insurance products tailored to the needs of its customer base.
Leadership and Structure
David Vu00e9lez is the Founder and CEO. The organizational structure is designed to be agile and decentralized, promoting innovation and customer focus.
Top Products and Market Share
Key Offerings
- Credit Card: Nubank's flagship product is a no-fee credit card managed entirely through a mobile app. It has a substantial market share in Brazil and is expanding in Mexico and Colombia. Competitors include traditional banks like Itau Unibanco (ITUB) and Banco Bradesco (BBD). Revenue is generated through interchange fees and interest.
- Digital Account: Offers a high-yield savings account with no maintenance fees. Has millions of users across Latin America. Competitors include fintechs like PicPay and Mercado Pago. Revenue is generated by lending the customer savings out.
- Personal Loans: Provides personal loans with competitive interest rates and flexible repayment terms, tailored for their customer base. Competitors include traditional banks.
Market Dynamics
Industry Overview
The financial services industry in Latin America is undergoing significant disruption, driven by the increasing adoption of digital banking and fintech solutions. There is a large unbanked population and a desire for easier services.
Positioning
Nu Holdings is positioned as a leading digital bank in Latin America, leveraging technology to offer accessible and affordable financial services. Its competitive advantage lies in its strong brand, innovative product offerings, and low-cost operating model.
Total Addressable Market (TAM)
The estimated total addressable market for financial services in Latin America is significant, estimated to be well over $500 billion. Nu Holdings, with a large presence in Brazil, Mexico, and Colombia, is strategically positioned to capture a growing share of this market.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Innovative Technology Platform
- Low-Cost Operating Model
- Large and Growing Customer Base
- First mover advantage
Weaknesses
- Reliance on Emerging Markets
- Regulatory Risks
- Profitability Challenges
- High Competition
Opportunities
- Expansion into New Markets
- Development of New Products and Services
- Strategic Partnerships
- Increasing Digital Adoption
Threats
- Increased Competition from Traditional Banks and Fintechs
- Economic Instability in Latin America
- Cybersecurity Risks
- Regulatory Changes
Competitors and Market Share
Key Competitors
- ITUB
- BBD
- MELI
Competitive Landscape
Nu Holdings has a strong brand and innovative technology platform, giving it a competitive edge over traditional banks. However, it faces increasing competition from other fintechs and well established companies.
Major Acquisitions
Olivia
- Year: 2020
- Acquisition Price (USD millions): 0
- Strategic Rationale: To enhance its AI capabilities and improve user experience through personalized financial advice.
Growth Trajectory and Initiatives
Historical Growth: Nu Holdings has experienced rapid growth in recent years, driven by the increasing adoption of its digital banking services in Latin America.
Future Projections: Analysts project continued growth for Nu Holdings, driven by its expansion into new markets and its ability to attract and retain customers.
Recent Initiatives: Recent initiatives include expansion into Mexico and Colombia, the launch of new investment products, and the development of its insurance platform.
Summary
Nu Holdings has revolutionized the financial market and has a great future due to its great technology and large markets. However, it is currently in a volatile market where there are regulatory risks and profitability challenges. It needs to be aware of this and also keep expanding its innovation and technology to be ahead of its competition. The current market volatility will affect the company and will need time to stabilize.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions can change rapidly.
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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