NU Stock Analysis: Buy, Sell, or Hold?
NU - Nu Holdings Ltd.
$17.75
-1.01 (-5.38%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 19, 2026
19d
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4 traders called NU this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NU shows positive signals but monitor for confirmation. Market pricing in 3.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: NU shows positive signals but monitor for confirmation. Market pricing in 3.5% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.88
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$20.41
13.0% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 20.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $17.75, which is considered slightly high relative to its 30-day fair value range of $16.64 to $18.04. From a valuation perspective, the stock is trading at a premium (Forward PE: 22.3) compared to its historical average (20.1). At these levels, the market is pricing in 3.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, NU is in a strong uptrend. Immediate support is located at $16.30, while resistance sits at $18.98. Short-term momentum is weak, with the stock down 5.4% recently.
Market Sentiment: NU has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NU is in a strong uptrend. Immediate support is located at $16.30, while resistance sits at $18.98. Short-term momentum is weak, with the stock down 5.4% recently.
Market Sentiment: NU has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$16.64 -
$18.04
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-5.4%)
- NEUTRAL: Near Wall St target ($19.99)
- NEUTRAL: Market pricing in 3.5% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$16.64 -
$18.04
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$16.31
Resistance Level
$18.98
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
22.34
Wall Street Target
$19.99
(+6.6%)
Revenue Growth (YoY)
36.3%
Earnings Growth (YoY)
40.9%
Profit Margin
39.8%
Valuation Premium vs History
+3.5% premium
PE vs Historical
22.3 vs 20.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.5%
(market-implied from PE analysis)
1-Year Target
$19.42
(+4%)
2-Year Target
$20.10
(+7%)
3-Year Target
$20.80
(+11%)
3-Yr Target (if PE normalizes)
(PE: 22→20)
PE COMPRESSION
$18.72
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 42.5%)
$54.34
(+190%)
Base:
(SPY PE: 22.3, Growth: 42.5%)
$54.25
(+189%)
Bear:
(PE: 19.0, Growth: 42.5%)
$46.12
(+146%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (36x PE), but valuation improves significantly next year (22x PE) as earnings recover.
Trailing PE: 35.67 | Current EPS (TTM): $0.52
Bull Case
$32.94
(+76%)
Analyst growth 61.4%, PE expands to 39.2
Base Case
$29.95
(+60%)
Market implied 61.4%, PE stable at 35.7
Bear Case
$12.61
(-33%)
Severe decline -20.0%, PE contracts to 30.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 4:05 PM ET
Data refreshes hourly during market hours. Next update: 5:05 PM
Data refreshes hourly during market hours. Next update: 5:05 PM
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Technical Signals Check
Is NU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced NU Option Strategies
Professional options setups generated by AI based on today's NU price and gamma walls.
