Insider buying last 90 days
No open-market insider purchases were filed for NU in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every NU insider filing, plotted on the chart in Gekko.Open NU in Gekko
NYSE: NU
Nu (NU) Stock Analysis & Forecast
$13.65−0.19 (−1.4%)
Close on Sep 18, 2026. Page updated Sep 19, 9:19 pm ET.
Gekko Brief
AI summaryNu (NU) closes at $13.65, down 1.4% on the day, sitting below both its 50-day average of $14.39 and its 200-day average of $14.89, with the 50-day itself below the 200-day. The GekkoIndex reads 66.1, placing the stock in the Accumulation zone. Gekko Fair Value stands at $16.15, putting the current price 15.5% below that level.
This week's coverage centers on a ratings shift and Nu's expansion push. Itaú BBA cut Nu Holdings from Outperform to Market Perform, lowering its price target to $18 from $20 and citing increased medium-term uncertainty tied to Brazil credit risk. Alongside this, several pieces discuss Nu's U.S. market launch and the debut of Nu Global, framed as extending the company's Latin American digital banking approach, with commentary weighing execution, underwriting and valuation considerations. Coverage also notes the stock trading around 20% below its 52-week high, with average revenue per user cited as having risen from $11.60 to $17.10.
The next earnings date falls on 12 November 2026, after close, which lies outside a typical 20-trading-day holding window; the prior report on 13 August showed EPS of $0.22 against a $0.20 estimate, with a 12.3% reaction. Seasonality over the next 20 trading days has averaged -5.1% across 4 years, with gains in only 1 of those years. Analyst coverage spans 9 firms, with 6 at buy, 2 at hold, and 1 at sell, and a consensus target of $18.78.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $13.65200-day averageGekko Fair Value $16.15
Key stats
- Market cap
- $66.11B
- P/E ratio
- 19
- Forward P/E
- 15
- EPS, TTM
- $0.73
- Revenue, TTM
- $8.44B
- Profit margin
- 42.7%
- Dividend yield
- —
- Beta
- 0.94
- Volume
- 70.77M avg 68.61M
- 1-year return
- −14.5%
- Typical daily move
- ±3.8%
- Typical 20-day move
- ±9%
- 50-day average
- $14.39
- 200-day average
- $14.89
- Next earnings
- Nov 12 after close
- Shares outstanding
- 3.81B
Nu swing-trade checklist
Nu scores 3 supportive, 0 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $13.65 is below the 50-day ($14.39) and 200-day ($14.89) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
66.1, Accumulation
Reading 66.1 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
15.5% below
Price is 15.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 53 days
Next report Nov 12, 2026, 53 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−5.1% on average
From this point in the calendar, the next 20 trading days averaged −5.1% over 4 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Nu stock chart and price history
Nu closed at $13.65 on Sep 18, 2026, −14.5% over the past year, inside a 52-week range of $11.20 to $18.98.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −6.6%
- 3 months
- +7.4%
- 6 months
- −3.6%
- 1 year
- −14.5%
The full NU chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open NU in Gekko
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About Nu
Nu runs an online banking service used by consumers across Brazil, Mexico, Colombia, the Cayman Islands, and the United States. People recognize it for its card lineup, which includes a device that works as both a credit and prepaid card, a premium metal option called Ultraviolet, and a membership upgrade known as Nubank+. Through its app, account holders can send money, cover bills, shop with everyday purchases, and browse an in-app marketplace linked to outside online retailers.
The company also runs personal and business accounts, letting entrepreneurs manage their finances alongside individual customers. Its savings and investment tools include goal-oriented Money Boxes, guided investment options, and a feature for trading cryptocurrency. On the lending side, Nu provides unsecured and secured personal loans, instant peer-to-peer transfer financing, bill-payment financing, and purchase-related credit, plus a tool for completing online payments through the app. It further sells insurance covering life, mobile devices, vehicles, homes, and financial protection, and adds extras like a travel-booking service and a mobile phone plan.
Nu traces back to 2013 and runs its main offices out of São Paulo, Brazil. Its stock is listed on the NYSE under the ticker NU.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- nubank.com.br
Nu GekkoIndex: the smart money zone
Nu’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 66.1, in the Accumulation zone, up 8.5 points over five sessions.
66.1Accumulation
Up 8.5 points over five sessions, from the Neutral zone.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 43 | +1.1% | +5.6% | ||
| Accumulation (current zone) | 181 | +0.8% | +5.9% | ||
| Neutral | 369 | +0.4% | +0.4% | ||
| Distribution | 63 | +0.5% | −1.3% | ||
| Selling | 6 | Too few readings yet | |||
Average NU share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the NU price, zone by zone.Track NU in Gekko
Is Nu stock overvalued? Gekko Fair Value
Nu trades 15.5% below Gekko Fair Value of $16.15, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Nu shares are worth, recalculated every trading day.
$16.15
Gekko Fair Value, Sep 19, 2026
15.5% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open NU in Gekko
Nu insider and Congress trading
No open-market insider purchases were filed for Nu, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in NU were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for NU, plotted on the chart in Gekko.Open NU in Gekko
Buybacks
Nu has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $500.4M
- As a share of market cap
- 0.76%
From company filings.
Hedge funds and billionaires quarter ended Jun 30
8of the funds Gekko tracks hold NU.
4added1opened3trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko
Nu earnings: next date and track record
Nu reports on Nov 12, 2026, after the close (53 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Nov 12, 2026
Expected after the close, 53 days away
- EPS estimate
- $0.23
- Revenue estimate
- $5.94B
5 of 8reports beat the EPS estimate
±7.8%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 13, 2026 AI summary
- What they said
- Nu Holdings reported a strongly positive Q2 2026 quarter highlighted by its first quarter generating over $1 billion in net income. Key operational metrics improved: customer base reached 139 million (118M Brazil, 16M Mexico as of end of July, >5M Colombia), engagement/activity rates rose to 83.5% (Brazil >86%), ARPAC reached $17, gross revenue was $5.9 billion, and efficiency ratio was a low 20%. The credit portfolio grew to $39.4 billion (up 37% YoY) with broad-based growth across credit cards, unsecured and secured lending; deposits recovered to $45.3 billion with an 18% YoY increase. Management emphasized disciplined underwriting, short-duration products, and advantages from being primary bank for many customers. AI is being integrated across credit underwriting, pricing and product personalization; management highlighted productivity gains and model improvements but maintained disciplined monitoring. Mexico and Colombia remain key growth markets, and the U.S. is a future expansion with a staged approach. Q&A focused on technical items: impact of the government renegotiation program (Desenrola) on provisions and NIM, staging of affected loans, NPL seasonality vs mix shifts, private payroll product progress, and model portability to the U.S. Management tone was confident, factual and measured.
- Guidance
- Management provided qualitative forward guidance: they expect risk-adjusted net interest margin to remain in the same region as current levels (around the mid-teens on a managerial measure; management referenced ~12% risk-adjusted NIM as the ballpark). They also stated they will limit initial U.S. entry incremental spend to no more than 100 basis points of the efficiency ratio. No specific numeric revenue, EPS, or formal quarter/year guidance was issued.
- Risks flagged
- Mentioned risks and headwinds included macroeconomic uncertainty in Brazil (but management does not take directional bets), potential further impact from the government renegotiation program (Desenrola) affecting provisions, seasonality and mix shifts increasing NPL volatility (particularly driven by portfolio mix changes), Mexico deposit optimization (lowering deposits intentionally), a small Stage 3 portfolio related to the renegotiation program, attrition and hiring dynamics tied to return-to-office decisions, and the challenge/time required (12–30 months) to build credit model confidence and data richness in the U.S. market.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 13, 2026 | $0.22 est $0.20 | $5.88B est $5.39B | +12.3% |
| May 14, 2026 | $0.18 est $0.19 | $4.97B est $5.06B | −4.9% |
| Feb 25, 2026 | $0.18 est $0.18 | $4.90B est $4.55B | −8.9% |
| Nov 13, 2025 | $0.17 est $0.16 | $4.00B est $3.52B | −2.2% |
| Aug 14, 2025 | $0.14 est $0.13 | $3.54B est $3.19B | +5.9% |
| May 13, 2025 | $0.11 est $0.12 | $3.25B est $3.23B | +4.2% |
| Feb 20, 2025 | $0.12 est $0.12 | $2.99B est $2.76B | −19.7% |
| Nov 13, 2024 | $0.12 est $0.11 | $2.86B est $2.61B | −4.1% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Nu stock forecast and analyst price targets
Analysts’ average 12-month price target for Nu is $18.78, +37.6% from the last close, from 9 firms rating the stock in the last 90 days.
$18.78consensus 12-month target, +37.6% from the last close
Now $13.65Avg $18.78
Low $10High $23
Each firm’s latest rating in the last 90 days: 9 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 16 | Itau Unibanco | $18 | +31.9% |
| Sep 11 | Needham | $19 | +39.2% |
| Sep 11 | Goldman Sachs | $23 | +68.5% |
| Aug 25 | Wolfe Research | $17 | +24.5% |
| Aug 20 | UBS | $18.20 | +33.3% |
+5.9%average 20-day move after past Accumulation readings
−5.1%average move over the next 20 trading days in the last 4 years
±3.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Nu seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, Nu averaged −5.1% across the last 4 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −5.9% | 0 of 4 |
| Next 10 trading days | −8.2% | 0 of 4 |
| Next 15 trading days | −8.0% | 1 of 4 |
| Next 20 trading days | −5.1% | 1 of 4 |
| Next 30 trading days | +3.3% | 2 of 4 |
For scale, NU’s typical 20-trading-day move in either direction is about 9%.
Nu market cap and key statistics
Nu’s market cap is $66.11B, with a P/E ratio of 19 and revenue of $8.44B over the last twelve months.
Valuation
- Market cap
- $66.11B
- P/E ratio
- 19
- Forward P/E
- 15
- EPS, TTM
- $0.73
- Gekko Fair Value
- $16.15
Trading
- Volume
- 70.77M
- Avg volume, 20 days
- 68.61M
- 52-week high
- $18.98
- 52-week low
- $11.20
- Shares outstanding
- 3.81B
Financials
- Revenue, TTM
- $8.44B
- Profit margin
- 42.7%
- Return on equity
- 31.6%
- Quarterly earnings growth, YoY
- +66.3%
Risk and income
- Beta
- 0.94
- Typical daily move
- ±3.8%
- Typical 20-day move
- ±9%
Nu stock news this week
6 headlines about Nu from the past week, newest first, each linking to the publisher.
- Nu Holdings Ltd. (NU) Stock Declines While Market Improves: Some Information for InvestorsZacks Investment Research, Sep 18
- Investors Heavily Search Nu Holdings Ltd. (NU): Here is What You Need to KnowZacks Investment Research, Sep 17
- Nu Holdings Cut to Market Perform on Brazil Credit RiskGuruFocus, Sep 16
- This Nu Holdings Analyst Is No Longer Bullish; Here Are Top 4 Downgrades For WednesdayBenzinga, Sep 16
- JPMorgan Chase Stock Is Beating Nu This Year, but Only One of Them Had Positive Free Cash Flow Last YearThe Motley Fool, Sep 16
- Is NU Stock a Buy or Hold After US Launch and Nu Global Debut?Zacks Investment Research, Sep 14
Nu peers
Nu’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Neutral | 3.3% below |
| USBU.S. Bancorp | Buying | 8.9% below |
| TFCTruist Financial | Buying | 8.0% below |
| FITBFifth Third Bancorp | Accumulation | 10.0% below |
| MTBM&T Bank | Buying | 9.2% below |
| FCNCAFirst Citizens BancShares | Accumulation | 5.6% below |
A peer links to its own page where one exists.
Nu stock FAQ
What is Nu’s market cap?
Nu’s market cap is $66.11B at the Sep 18, 2026 close of $13.65, with 3.81B shares outstanding. The shares trade on a P/E ratio of 19.
What is the Nu stock forecast?
The consensus analyst 12-month price target for Nu is $18.78, +37.6% from the last close. Of the 9 firms that rated the stock in the last 90 days, 6 rate it a buy, 2 a hold and 1 a sell. Gekko doesn’t publish price predictions of its own.
Is Nu stock overvalued or undervalued?
On Gekko’s estimate Nu is undervalued: the Sep 18, 2026 close of $13.65 is 15.5% below Gekko Fair Value of $16.15. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Nu report earnings next?
Nu is expected to report on Nov 12, 2026, after the market closes (53 days away). Analysts expect earnings of $0.23 per share on revenue of $5.94B. Nu beat the earnings estimate in 5 of its last 8 reports, moving 7.8% on average across the report.
What is Nu’s 52-week high and low?
Nu’s 52-week high is $18.98 and its 52-week low is $11.20; it closed at $13.65 on Sep 18, 2026, −14.5% over the past year.
Is Nu stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and earnings risk) and 2 as headwinds (trend and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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