NU Stock Analysis: Buy, Sell, or Hold?
NU - Nu Holdings Ltd.
$13.61
0.22 (1.64%)
▲
5d:
+9.23%
30d:
+14.08%
90d:
-5.75%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Aug 13, 2026
Smart Money Distribution
None View Scanner →
Strength: 9.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NU shows positive signals but monitor for confirmation. Market pricing in 6.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: NU shows positive signals but monitor for confirmation. Market pricing in 6.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.83
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$20.39
33.2% 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 15.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $13.61, which is considered extended relative to its 30-day fair value range of $12.02 to $13.16. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.6) compared to its historical average (15.6). Remarkably, the market is currently pricing in an annual earnings decline of 6.9% over the next few years. This pessimistic expectation contrasts with the company's recent 55.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NU is in a strong downtrend. The price is approaching resistance at $13.93. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NU has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $17.82 (+31.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NU is in a strong downtrend. The price is approaching resistance at $13.93. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NU has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $17.82 (+31.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$12.02 -
$13.16
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.0% below Wall St target ($17.82)
Trading Range Analysis
30-Day Trading Range
$12.02 -
$13.16
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$12.23
Resistance Level
$13.93
Current Trend
Strong Downtrend
Technical data as of
Jul 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.59
Wall Street Target
$17.82
(+31.0%)
Revenue Growth (YoY)
43.7%
Earnings Growth (YoY)
55.9%
Profit Margin
41.9%
Valuation Discount vs History
-6.9% cheaper
PE vs Historical
12.6 vs 15.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.9%
(market-implied from PE analysis)
1-Year Target
$12.67
(-7%)
2-Year Target
$11.80
(-13%)
3-Year Target
$10.98
(-19%)
3-Yr Target (if PE normalizes)
(PE: 13→16)
$13.60
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 32.3%)
$54.52
(+301%)
Base:
(SPY PE: 12.6, Growth: 32.3%)
$31.52
(+132%)
Bear:
(PE: 10.7, Growth: 32.3%)
$26.79
(+97%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 20.78 | Current EPS (TTM): $0.65
Bull Case
$24.70
(+82%)
Analyst growth 66.3%, PE expands to 22.9
Base Case
$22.45
(+65%)
Market implied 66.3%, PE stable at 20.8
Bear Case
$9.18
(-33%)
Severe decline -20.0%, PE contracts to 17.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.6 to 15.6
Stabilization Target:
$16.86
(+23.9%)
PE Expansion Potential:
+23.9%
Share & Embed Analysis
Last updated: July 03, 2026 8:56 PM ET
Data refreshes hourly during market hours. Next update: 9:56 PM
Data refreshes hourly during market hours. Next update: 9:56 PM
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Technical Signals Check
Is NU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Cristina Helena Zing Jun…
SELL
300000 shares
2026-03-23
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