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NUNu Holdings Ltd.
$14.16$68.6B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
NU logo

Nu Holdings Ltd.

NU
NYSE · Diversified Banks
$14.16
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$68.58B
P/E24.4x
52W High$18.98
Volume69.25M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Digital Banking Scale Masks Cash Flow and Regulatory Risks

Nu Holdings demonstrates exceptional top-line growth, with total revenue expanding 36.6% year-over-year to $5.5B in Q2 2026, driven by its scalable digital platform and a growing fee income stream. However, this growth is capital-intensive, as evidenced by a n...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

NU price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

-18% Peers

P/E is 18% below peer median

03

Market leadership

RS 47 · Lag

Laggard (Underperforming 53% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 12
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue growth is decelerating from hyper-pace but remains robust at 36.6% year-over-year, while net interest margin compression to 3.4% suggests rising funding costs may offset the benefits of a higher-rate environment.

Analyst Consensus+13.3% target
Buy(23 analysts)
13 Buy9 Hold1 Sell

The Bull Case

Upside Catalysts

Secular Growth from Data Centers

Nucor is positioned to benefit from a data center boom, with capacity projected to more than double between 2024 and 2035. This expansion drives domestic steel demand and supports higher pricing power for the company.

Strategic Diversification into Specialty Products

The company is moving into higher‑margin specialty items such as data center racks and industrial garage doors, stabilizing profitability beyond the cyclical steel market. Capital investments in new mills and data‑center infrastructure are expected to expand margins and diversify revenue streams.

Robust Financial Health and Dividend King Status

Nucor has maintained positive free cash flow for ten consecutive years and a manageable debt‑to‑equity ratio. It has increased its dividend for over 50 years, reinforcing its reputation as a Dividend King and providing steady shareholder returns.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
NU-16.80%
S&P 500 (^GSPC)+13.20%
1-Year Return
NU-13.13%
S&P 500 (^GSPC)+15.98%
3-Year Return
NU+106.72%
S&P 500 (^GSPC)+81.84%
5-Year Return
NU+37.08%
S&P 500 (^GSPC)+77.82%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
24.4x
Forward P/EExpansion
16.2x
EV/EBITDA50th %ile
14.8x
FCF YieldCash Flow
5.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
24.4x
28.9x
0th· Low
EV/EBITDA
14.8x
17.6x
50th· Fair
Price/FCF
19.6x
29.7x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$4.67-67.0%
Base (Fair)$8.17-40.1%
Bull$12.33-12.9%
$4.67 Bear$8.17 Base$12.33 Bull
Current Market Price: $14.16
Trades at a 73.3% premium to Base DCF ($8.17)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$11.3B+36.6% YoY
Net income
$2.87B+45.5% YoY
Free cash flow
$3.49B+57.1% YoY
Operating margin
34.2%+0.4 pts YoY
ROIC (TTM)23.1%
Avg ROIC 5Y-
ROE (TTM)30.2%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (70%)
Revenue Beat Rate10/12 (100%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 13, 2026
$0.22+10.9%
vs $0.20
$5.9B+9.1%
vs $5.4B
Q2 2026
May 14, 2026
$0.19-4.2%
vs $0.20
$5.9B+16.1%
vs $5.1B
Q1 2026
Feb 25, 2026
$0.19-4.9%
vs $0.20
$4.9B+7.7%
vs $4.6B
Q4 2025
Nov 13, 2025
$0.17+6.3%
vs $0.16
$4.0B+13.7%
vs $3.5B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Fool - Investing News·3d ago
Prediction: The Best-Performing Big Bank Stock of the Next 2 Years Is Not JPMorgan Chase

These fast-growing bank stocks offer incredible opportunities for investors.

Zacks Investment Research·4d ago
Nu Holdings Ltd. (NU) Stock Declines While Market Improves: Some Information for Investors

Nu Holdings Ltd. (NU) closed at $13.65 in the latest trading session, marking a -1.37% move from the prior day.

Zacks Investment Research·6d ago
Investors Heavily Search Nu Holdings Ltd. (NU): Here is What You Need to Know

Nu (NU) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

GuruFocus·Sep 16, 2026
Nu Holdings Cut to Market Perform on Brazil Credit Risk

Itaú BBA downgraded Nu Holdings Ltd. (NU) from Outperform to Market Perform and cut its price target to $18 from $20, citing increased medium-term uncertainty

Filtered for Nu Holdings Ltd.More Headlines
04

Compare before deciding

Benchmark NU against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Nu Holdings Ltd. (NU)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NU logoNUNu Holdings Ltd.Current
$14.16$68.58B24.4136.64%25.39%30.25%—
SOFI logoSOFISoFi Technologies, Inc.
$17.16$22.01B44.0038.32%11.4%6.18%—
AFRM logoAFRMAffirm Holdings, Inc.
$71.77$23.91B478.4738.8%56.52%47.91%—
UPST logoUPSTUpstart Holdings, Inc.
$25.97$2.49B57.7162.84%5.22%7.85%—
LC logoLCLendingClub Corporation
$19.21$2.22B16.7026.92%15.85%12.92%—
DAVE logoDAVEDave Inc.
$353.57$4.75B26.1359.67%34.59%84.36%—

Compare NU vs Peers

Nu Holdings Ltd. (NU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SOFI

Most directly comparable listed peer for NU.

Scale Benchmark

vs V

Larger-name benchmark to compare NU against a more recognizable public peer.

Peer Set

Compare Top 5

vs SOFI, AFRM, UPST, LC

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NU Frequently Asked Questions

Nu Holdings Ltd. (NU) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Nu Holdings Ltd. growing?

Nu Holdings Ltd. (NU) grew revenue by 36.6% over the past year. This is strong growth.

Is NU profitable?

Yes, Nu Holdings Ltd. (NU) is profitable, generating $3.61B in net income for fiscal year 2025 (25.4% net margin).

Dividend & Returns
What is NU's return on equity?

Nu Holdings Ltd. (NU) has a return on equity (ROE) of 30.2%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Nu Holdings Ltd.'s net interest margin?

Nu Holdings Ltd. (NU) has a net interest margin (NIM) of 9.9%. This indicates healthy earnings from lending activities.

What is Nu Holdings Ltd.'s efficiency ratio?

Nu Holdings Ltd. (NU) has an efficiency ratio of 28.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NU back in 2018?

Total return calculator · dividends reinvested · 8+ years of data

See returns →