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NU 
Nu Holdings Ltd (NU)
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Upturn Advisory Summary
12/09/2025: 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 $18.9
1 Year Target Price $18.9
| 7 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 50.92% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 80.53B USD | Price to earnings Ratio 31.96 | 1Y Target Price 18.9 |
Price to earnings Ratio 31.96 | 1Y Target Price 18.9 | ||
Volume (30-day avg) 20 | Beta 1.08 | 52 Weeks Range 9.01 - 17.84 | Updated Date 12/9/2025 |
52 Weeks Range 9.01 - 17.84 | Updated Date 12/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.52 |
Earnings Date
Report Date 2025-11-13 | When After Market | Estimate 0.15 | Actual 0.16 |
Profitability
Profit Margin 39.76% | Operating Margin (TTM) 58.22% |
Management Effectiveness
Return on Assets (TTM) 4.32% | Return on Equity (TTM) 27.8% |
Valuation
Trailing PE 31.96 | Forward PE 18.69 | Enterprise Value 71018979328 | Price to Sales(TTM) 12.66 |
Enterprise Value 71018979328 | Price to Sales(TTM) 12.66 | ||
Enterprise Value to Revenue 8.15 | Enterprise Value to EBITDA - | Shares Outstanding 3822975011 | Shares Floating 3660008700 |
Shares Outstanding 3822975011 | Shares Floating 3660008700 | ||
Percent Insiders 4.69 | Percent Institutions 80.16 |
Upturn AI SWOT
Nu Holdings Ltd
Company Overview
History and Background
Nu Holdings Ltd., operating as Nubank, was founded in 2013 in Brazil. It started as a simple credit card provider and has expanded into a comprehensive digital banking platform, serving millions across Latin America.
Core Business Areas
- Banking Services: Offers digital accounts, credit cards, personal loans, investments, and insurance products. Core products are often app-based and aim to simplify banking processes.
- Investment Platform: Provides access to investment products, including fixed income and equity funds, catering to a diverse range of investment profiles.
- Business Solutions: Offers digital banking solutions tailored to small and medium-sized businesses, including accounts, payment processing, and lending services.
Leadership and Structure
David Vu00e9lez is the founder and CEO. The company has a board of directors and operates through a decentralized, agile team structure.
Top Products and Market Share
Key Offerings
- Credit Card: Offers a no-annual-fee credit card with rewards program. Nubank is one of the leaders in credit card space in Brazil with over 40 million users. Competitors include traditional banks like Itau Unibanco and Banco Bradesco, as well as other fintech firms.
- Digital Account: Provides a high-yield digital account with no maintenance fees. User count is significant with tens of millions of users. Competing products come from established banks and emerging digital banking platforms.
- Personal Loans: Offers personal loan products to customers based on credit profiles. Revenue from personal loans is a significant portion of their total revenue. Competition is stiff amongst traditional banks and fintech lenders.
Market Dynamics
Industry Overview
The fintech industry is rapidly expanding with increased adoption of digital banking and payment solutions. The Latin American market is characterized by high mobile penetration and underbanked population.
Positioning
Nu Holdings positions itself as a disruptive fintech company focused on simplifying financial services and providing accessible products to the masses. Its competitive advantage lies in its digital-first approach, user experience, and data-driven credit scoring.
Total Addressable Market (TAM)
The TAM for digital banking in Latin America is estimated to be hundreds of billions of dollars. Nubank is positioned well to capture a significant portion of this TAM with its expanding product portfolio and regional presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large and growing customer base
- Innovative product development
- Efficient digital platform
- Data-driven decision-making
Weaknesses
- Reliance on a few core markets
- Credit risk exposure
- High customer acquisition costs
- Relatively new entrant in certain financial sectors
- Limited track record in economic downturns
Opportunities
- Expansion into new geographies
- Product diversification
- Partnerships with other fintech companies
- Increased adoption of digital banking
- Untapped potential of the underbanked population
Threats
- Increased competition from traditional banks and fintechs
- Regulatory changes
- Economic instability in Latin America
- Cybersecurity risks
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- ITUB
- BBDC
- MELI
Competitive Landscape
Nu Holdings differentiates itself through its digital-first approach, user-friendly platform, and data-driven credit scoring. However, it faces intense competition from established banks and other fintech companies with larger capital bases.
Major Acquisitions
Olivia
- Year: 2020
- Acquisition Price (USD millions): 6
- Strategic Rationale: Olivia, an AI-powered personal finance assistant, was acquired to enhance Nubank's digital offerings and improve user engagement.
Growth Trajectory and Initiatives
Historical Growth: Nu Holdings has demonstrated rapid growth in recent years, fueled by its innovative products, strong customer acquisition, and expansion into new markets.
Future Projections: Analysts project continued growth in revenue and profitability over the next few years, driven by increasing adoption of digital banking and the company's expansion efforts.
Recent Initiatives: Recent initiatives include launching new investment products, expanding into Mexico and Colombia, and strengthening its data security infrastructure.
Summary
Nu Holdings is a rapidly growing fintech company with a strong brand and a large customer base. Its digital-first approach and innovative products position it well for future growth. However, it faces challenges from established banks, increased competition, and economic instability. The company's focus on expansion and product diversification is crucial for sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and after consulting with a qualified financial advisor.
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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