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Upturn stock ratingUpturn stock rating
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Nu Holdings Ltd (NU)

Upturn stock ratingUpturn stock rating
$11.9
Last Close (24-hour delay)
Profit since last BUY-4.11%
upturn advisory
WEAK BUY
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

06/13/2025: NU (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

20 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $14.35

Year Target Price $14.35

Analyst’s Price TargetsFor last 52 week
$14.35Target price
Low$9.01
Current$11.9
high$16.14

Analysis of Past Performance

Type Stock
Historic Profit 35.22%
Avg. Invested days 50
Today’s Advisory WEAK BUY
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/13/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 63.92B USD
Price to earnings Ratio 30.11
1Y Target Price 14.55
Price to earnings Ratio 30.11
1Y Target Price 14.55
Volume (30-day avg) -
Beta 1.04
52 Weeks Range 9.01 - 16.14
Updated Date 06/29/2025
52 Weeks Range 9.01 - 16.14
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) 0.44

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 38.09%
Operating Margin (TTM) 57.75%

Management Effectiveness

Return on Assets (TTM) 4.39%
Return on Equity (TTM) 27.91%

Valuation

Trailing PE 30.11
Forward PE 23.47
Enterprise Value 55210463232
Price to Sales(TTM) 11.32
Enterprise Value 55210463232
Price to Sales(TTM) 11.32
Enterprise Value to Revenue 7.21
Enterprise Value to EBITDA -
Shares Outstanding 3773809920
Shares Floating 3606147379
Shares Outstanding 3773809920
Shares Floating 3606147379
Percent Insiders 4.94
Percent Institutions 80.1

Analyst Ratings

Rating 3.7
Target Price 14.35
Buy 4
Strong Buy 7
Buy 4
Strong Buy 7
Hold 7
Sell -
Strong Sell 2
Strong Sell 2

ai summary icon Upturn AI SWOT

Nu Holdings Ltd

stock logo

Company Overview

overview logo History and Background

Nu Holdings Ltd. (Nubank) was founded in 2013 in Brazil by David Vu00e9lez, Cristina Junqueira, and Adam Edward Wible. It emerged as a challenger bank aiming to disrupt the traditional banking sector in Latin America with a focus on digital solutions and customer-centric services. Nubank quickly gained popularity for its innovative products and user-friendly mobile app. It has since expanded to other Latin American countries and became a publicly traded company on the NYSE in 2021.

business area logo Core Business Areas

  • Banking Services: Provides digital banking services, including savings accounts, credit cards, personal loans, and insurance products, all accessible through its mobile app.
  • Investment Platform: Offers investment products such as mutual funds and fixed-income investments, aimed at democratizing access to financial instruments for a broader audience.
  • Business Solutions: Caters to micro-entrepreneurs and small businesses with financial services designed to support their growth and operations.

leadership logo Leadership and Structure

David Vu00e9lez is the founder and CEO of Nu Holdings. The company operates with a modern organizational structure that emphasizes agility, data-driven decision-making, and a strong customer focus. They have a board of directors composed of executives and independent members.

Top Products and Market Share

overview logo Key Offerings

  • Credit Card: Nubank's flagship product, a credit card with no annual fee and a fully digital application and management process. It has a significant market share in Brazil and other Latin American countries. Competitors include traditional banks like Itau00fa Unibanco (ITUB) and Bradesco (BBDC), as well as other fintech companies.
  • NuConta (Digital Account): A digital checking account that offers easy money transfers, bill payments, and access to other financial services. It is a key product for customer acquisition and engagement. It has a large number of users. Competitors include PicPay and PagBank.
  • Personal Loans: Offers personal loan products with competitive interest rates and flexible repayment options. Nubank leverages data analytics to assess credit risk and offer personalized loan terms. Competitors include Creditas and Banco Inter.
  • Investment Platform: Offers a curated selection of investment products, including fixed income and equity funds, to help customers build wealth. Competitors include XP Inc. and BTG Pactual.

Market Dynamics

industry overview logo Industry Overview

The financial technology (fintech) industry is experiencing rapid growth, driven by increased adoption of digital banking, mobile payments, and online investment platforms. The industry is characterized by intense competition and continuous innovation.

Positioning

Nu Holdings is a leading fintech company in Latin America, known for its innovative products, customer-centric approach, and strong brand recognition. Its competitive advantages include a large customer base, a lean operating model, and a data-driven culture.

Total Addressable Market (TAM)

The TAM for financial services in Latin America is estimated to be worth hundreds of billions of dollars. Nu Holdings is well-positioned to capture a significant share of this market through its digital banking platform and expansion strategy.

Upturn SWOT Analysis

Strengths

  • Strong brand recognition in Latin America
  • Large and growing customer base
  • Innovative and user-friendly mobile app
  • Lean operating model and low cost structure
  • Data-driven decision-making

Weaknesses

  • High dependence on the Brazilian market
  • Exposure to regulatory risks in emerging markets
  • Limited track record in managing credit risk during economic downturns
  • Profitability not yet consistent

Opportunities

  • Expansion into new Latin American countries
  • Cross-selling of financial products to existing customers
  • Partnerships with other fintech companies
  • Leveraging data analytics to improve risk management
  • Capitalizing on the growing demand for digital financial services

Threats

  • Increased competition from traditional banks and other fintech companies
  • Cybersecurity risks and data breaches
  • Economic instability in Latin America
  • Changes in government regulations
  • Fluctuations in interest rates and exchange rates

Competitors and Market Share

competitor logo Key Competitors

  • ITUB
  • BBDC
  • XP

Competitive Landscape

Nu Holdings competes with traditional banks and other fintech companies. It has an advantage due to its innovative products, customer-centric approach, and lean operating model. Disadvantages may include limited resources compared to traditional banks.

Major Acquisitions

Olivia AI

  • Year: 2019
  • Acquisition Price (USD millions): 0
  • Strategic Rationale: AI to assist users with savings and manage budgets.

Easynvest

  • Year: 2020
  • Acquisition Price (USD millions): 50
  • Strategic Rationale: Brazilian investment platform to expand investment offerings.

Growth Trajectory and Initiatives

Historical Growth: Nu Holdings has experienced rapid growth in terms of customer acquisition, revenue, and product offerings.

Future Projections: Analysts project continued strong revenue growth for Nu Holdings, driven by its expansion strategy and increasing adoption of digital financial services. Profitability is expected to improve as the company scales its operations.

Recent Initiatives: Recent initiatives include expanding into new Latin American markets, launching new financial products, and strengthening its partnerships with other companies.

Summary

Nu Holdings is a strong fintech company with a rapidly growing customer base in Latin America. Its innovative products and customer-centric approach have allowed it to disrupt the traditional banking sector. However, it faces risks related to economic instability, regulatory changes, and increasing competition. Overall, the company is working well and should continue to be a high-growth fintech innovator for the foreseeable future.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company SEC Filings
  • Market Research Reports
  • Analyst Estimates
  • Company Website

Disclaimers:

The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on individual research and due diligence. Market share data is estimated and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 -
Full time employees -

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.