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NU 
Nu Holdings Ltd (NU)
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Upturn Advisory Summary
11/04/2025: 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 $17.46
1 Year Target Price $17.46
| 7 | Strong Buy |
| 4 | Buy |
| 7 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 42.96% | Avg. Invested days 46 | 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 11/04/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 77.95B USD | Price to earnings Ratio 34.32 | 1Y Target Price 17.46 |
Price to earnings Ratio 34.32 | 1Y Target Price 17.46 | ||
Volume (30-day avg) 20 | Beta 1.09 | 52 Weeks Range 9.01 - 16.50 | Updated Date 11/4/2025 |
52 Weeks Range 9.01 - 16.50 | Updated Date 11/4/2025 | ||
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 34.32 | Forward PE 18.69 | Enterprise Value 67316248576 | Price to Sales(TTM) 13.33 |
Enterprise Value 67316248576 | Price to Sales(TTM) 13.33 | ||
Enterprise Value to Revenue 7.78 | Enterprise Value to EBITDA - | Shares Outstanding 3781753779 | Shares Floating 3619046915 |
Shares Outstanding 3781753779 | Shares Floating 3619046915 | ||
Percent Insiders 4.84 | Percent Institutions 80.25 |
Upturn AI SWOT
Nu Holdings Ltd
Company Overview
History and Background
Nu Holdings Ltd., founded in 2013 in Brazil, disrupted the traditional banking sector with its digital-first approach. It expanded across Latin America, becoming a leading fintech company known for its user-friendly mobile app and innovative financial products. A major milestone was its IPO in 2021, solidifying its position in the global financial market.
Core Business Areas
- Digital Banking: Offers a range of digital banking services, including checking and savings accounts, personal loans, and credit cards, all accessible through a mobile app.
- Investment Platform: Provides access to investment opportunities through its digital platform, allowing users to invest in stocks, ETFs, and other financial instruments.
- Insurance: Offers various insurance products, including life insurance and device protection, integrated within its mobile app.
Leadership and Structure
David Vu00e9lez is the founder and CEO. The organizational structure includes key executives overseeing different business segments and regional operations. They are publicly traded as an ADR on the NYSE.
Top Products and Market Share
Key Offerings
- Investment Platform NuInvest: Provides investment opportunity to Brazilian consumers. Competitors are XP Inc. and BTG Pactual.
- NuConta Digital Account: A digital account offering free transfers and other services. Competitors include PicPay and PagBank. They have over 90 million clients across Latam, however not all clients are active.
- Nubank Credit Card: A no-annual-fee credit card with a mobile-first experience. Nubank reports over 40 million active card users in Brazil. Competitors include traditional banks like Itau00fa Unibanco (ITUB) and Bradesco (BBD). Market share data fluctuates due to rapid growth but is estimated to be around 20% in terms of card issuance in Brazil.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increasing demand for digital financial services and technological advancements. It is a fragmented and competitive market.
Positioning
Nu Holdings Ltd. is positioned as a leading digital banking platform in Latin America, differentiating itself through its customer-centric approach, innovative products, and strong brand recognition. They have a technological advantage over traditional financial institutions.
Total Addressable Market (TAM)
The TAM for digital financial services in Latin America is estimated to be hundreds of billions of dollars. Nu Holdings Ltd. is well-positioned to capture a significant share of this market due to its established presence and growing customer base.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large and growing customer base
- Innovative digital platform
- Low operating costs compared to traditional banks
- Customer-centric approach
Weaknesses
- High reliance on the Brazilian market
- Exposure to macroeconomic risks in Latin America
- Relatively new company with limited track record
- Intense competition from established banks and other fintech companies
Opportunities
- Expansion into new markets in Latin America
- Development of new financial products and services
- Strategic partnerships with other companies
- Increased adoption of digital banking
- Capturing market share from traditional banks
Threats
- Increased competition from established banks and fintech companies
- Changes in regulations
- Cybersecurity risks
- Economic downturns in Latin America
- Currency fluctuations
Competitors and Market Share
Key Competitors
- ITUB
- BBD
- MELI
- XP
Competitive Landscape
Nu Holdings Ltd. benefits from its digital-first approach and strong brand. Traditional banks like ITUB and BBD have established infrastructure but lag in digital innovation. MELI is a broader e-commerce and payments platform, while XP is focused on investments.
Major Acquisitions
Olivia AI
- Year: 2020
- Acquisition Price (USD millions): 5
- Strategic Rationale: Enhanced financial wellness and AI capabilities within the Nu platform.
Growth Trajectory and Initiatives
Historical Growth: Nu Holdings Ltd. has experienced rapid growth in recent years, driven by its innovative products and expanding customer base.
Future Projections: Analyst estimates for future growth vary, but generally project continued strong growth in revenue and customer base. Refer to analyst reports for specific estimates.
Recent Initiatives: Recent initiatives include expansion into new markets (e.g., Mexico, Colombia), launch of new products (e.g., insurance), and strategic partnerships.
Summary
Nu Holdings is a promising fintech company experiencing substantial growth in Latin America, particularly in Brazil. Its digital banking platform is gaining traction, but the company faces fierce competition and is exposed to macroeconomic risks. While its strengths lie in innovation and brand recognition, managing expansion and profitability are crucial for its long-term success. Careful monitoring of economic conditions in Latin America and competition is paramount.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Nu Holdings Ltd. Investor Relations
- Company SEC Filings
- Industry Reports (e.g., McKinsey, Statista)
- Analyst Reports (e.g., Goldman Sachs, JP Morgan)
- Various Fintech news publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions. Market Share % values are estimated as of the current date.
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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