Nu Holdings Ltd. NU
Composite 57/100; the shares have moved about 41% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Valuation ranks 41/100 — a slight mark against it.
Growth ranks 86/100 — a strong point in its favour. Quality ranks 64/100 — a moderate point in its favour. Momentum ranks 52/100 — a slight point in its favour.
Valuation ranks 41/100 — a slight mark against it. Balance-sheet strength ranks 48/100 — a slight mark against it.
What the company does Nu Holdings (NU) operates a digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the U.S., offering credit/debit cards, mobile payments, savings, investing, and business banking solutions.
Key financials NU reports ROE 30.1%, ROA 4.8%, and ROCE 24.8%. Revenue grew 43.7% and EPS 55.9%. Gross margin is 100.0%, operating margin 48.2%, and net margin 41.9%. Forward P/E is 19.57 and PEG 1.82.
Stock health Sideravia scores Quality 67.5, Growth 65.9, Strength 58.5, Valuation 62.0, Momentum 40.5, and Income 50.0. RSI(14) is 58.80; stock is -23.76% below its 52-week high.
Price vs fair value NU trades at a PREMIUM of 27.50% versus our fair-value estimate of 10.49 and at a discount of 24.27% versus the 12-month target of 17.98. - Recent Zacks coverage highlights volatility and sector rotation headwinds (Zacks, 2026-07-29). - StockStory flags Nu among financials worth investigating (StockStory, 2026-07-28). - Motley Fool suggests fintech may be overlooked relative to big banks (Motley Fool, 2026-07-28). - Zacks notes renewed investor interest amid digital-payment trends (Zacks, 2026-07-28). - Simply Wall St. cites cash-flow optimization challenges in real-time settlement (Simply Wall St., 2026-07-27).
Looking forward Forward P/E of 19.57 and PEG of 1.82 imply moderate growth expectations. Analysts see potential upside to 17.98, while our fair-value estimate of 10.49 suggests current pricing is rich. Momentum remains mixed, with 12-month performance positive but trailing 6-month decline steep.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.