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NUNU

Nu Holdings Ltd.

Strong FundamentalsStrong FundamentalsRevenue growing 53% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (462/wk), no spike
$NU·$67B·Banks - Regional·Financial Services
$14.55+1.7%YTD-16.0%1Y-3.2%
Mentions · last 7 days
2026-08-21: 50 posts2026-08-22: 18 posts2026-08-23: 38 posts462-16%
Price updated 2h ago·X counts updated 8d ago
NUNU
$NUNu Holdings Ltd.
$14.55+1.75%462 posts-16%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $NU, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersStalledAI verdict · as of 2026-08-31

The move has stalled — likely just drifts unless something new shows up.

The 138.9M-customer Brazilian digital bank compounding beats and margins — trading at 15x forward and stuck under $15 while insiders take chips off.

Nu Holdings is Latin America's largest digital bank, based in Brazil and expanding into Mexico and Colombia. It's one of the highest-return fintechs in the world and — despite consistent execution — has spent 2026 stalled as sentiment on Brazil macro and FX overhang kept the multiple compressed.

  • Growth is genuinely elite: Q1 revenue grew 53% year-over-year to $5B, prior quarters ran 34-65%, operating margins hold in the low-to-mid 20s, and Q2 EPS of $0.22 beat consensus by 11% — the print speaks for itself.
  • The unit-economics story keeps compounding: 138.9M active customers with ARPAC (average revenue per active customer) scaling from $6.50 to $17.10 while cost-to-serve fell to roughly $1.00 — that's the specific mechanism turning what was a growth story into a profitability one.
  • The valuation is undemanding for the profile: at 15x forward earnings with a 29% return on equity and 23% operating margins, this is priced as an EM bank with EM risk — not as the fintech compounder it is; the debate is whether Brazil macro keeps that discount in place or a fresh catalyst forces the re-rate.
  • Insider activity is mildly negative: officer Cristina Junqueira sold $1.3M in one day, other officers received A-Award director grants — the 10b5-1 nature of some sales limits the read, but at a range-bound tape any insider selling is what keeps the multiple compressed.

The path if it works is a Nov 12 Q3 print keeping the growth-plus-margins cadence and a fresh Mexico or Colombia customer-count milestone — the tape reprices toward the $16-17 range where Wolfe's Outperform view sits. What extends the stall is a Brazil FX or macro air pocket that reminds holders this is still an EM bank; that's when 15x forward earnings on $1B+ profit stays at 15x forward for another quarter.

Agrees with X sentimentThe bullish X take — 53% revenue growth, 25% operating margins, 138.9M active customers, ARPAC scaling from $6.50 to $17.10 with cost-to-serve down to $1.00, a $485M new São Paulo office, and Wolfe maintaining Outperform — captures the fundamental case exactly; the pre-set 10b5-1 sale by the US CEO of 90,000 shares being 'called noise' is a fair read given the mechanism, but at a stalled tape any insider selling is what keeps the multiple compressed.

What to watch: The Nov 12 Q3 print — growth-plus-margins cadence continuing plus a fresh Mexico or Colombia customer-count milestone reprices toward $16-17; a Brazil FX or macro air pocket is what extends the stall at 15x forward earnings.

On the calendar: 2026-11-12 — Q3 2026 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment22 posts analyzed · as of 2026-08-30

Nu Holdings' thread is uniformly bullish, framed as one of the cleanest opportunities in the market. Posters cite 53% revenue growth, 25% operating margins, 138.9M active customers, ARPAC scaling from $6.50 to $17.10 while cost-to-serve fell to $1.00, a $485M new São Paulo office, and Wolfe maintaining Outperform. A pre-set 10b5-1 sale by the US CEO of 90,000 shares is called noise; the 15x forward multiple on more than $1B profit anchors the value case.

Read the AI verdict + X sentiment for $NU

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Brazil's largest digital bank by customers, offering no-fee credit cards, accounts, and personal loans across Latin America.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $NU.

Banks - Regional · Financial Services

Net interest margin is the primary earnings lever; the rate curve shape determines the spread between deposit costs and loan yields. Credit quality in commercial real estate remains the headline risk — office exposure is the most closely watched segment.

What this means for $NU

Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; Nu Holdings Ltd.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+13.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
18.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
16.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
23.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
2.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
28.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
43.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 13, 2026$0.22$0.20+10.9%
Q1 2026May 14, 2026$0.19$0.20-4.2%
Q4 2025Feb 25, 2026$0.19$0.20-4.9%
Q3 2025Nov 13, 2025$0.17$0.16+6.3%
Next earningsThu, Nov 12·consensus EPS $0.22

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$5.0B+53.4%40.2%19.2%$0.18$-1.3B
Q4 FY25$4.7B+64.6%44.3%22.9%$0.18$1.1B
Q3 FY25$4.2B+46.1%46.6%26.7%$0.16$-1.1B
Q2 FY25$3.7B+33.9%44.6%23.9%$0.13$2.5B

Forward consensus

4-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$22.3B$22.0B – $22.5B$0.84$0.73 – $0.915
FY27$27.1B$25.3B – $29.7B$1.11$0.89 – $1.267
FY28$30.9B$26.1B – $33.6B$1.44$1.21 – $1.843
FY29$30.9B$28.2B – $33.5B$1.78$1.58 – $1.972

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.40%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+2.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-4.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 3.6B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.945-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 25Junqueira Cristina Helena ZingarettiCEO65.0K sh$956KSellAug 24Junqueira Cristina Helena ZingarettiCEO25.0K sh$375KSellAug 14Fragelli Henrique Camossa SaldanhaChief Risk Officer221.7K sh$3.5MSellAug 14Junqueira Cristina Helena ZingarettiCEO50.0K sh$790KSellMay 15Anita M SandsDirector21.0K sh$257KSellMar 23Junqueira Cristina Helena ZingarettiCEO300.0K sh$4.4M
+ 21 other (13 awards · 7 inkinds · 1 exempt) in window

See when $NU insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsJul 153
AI summary

Robert Philip Livingston filed an initial Form 3 on July 15, 2026, disclosing no beneficially owned securities of Nu Holdings (NU). This filing establishes Livingston's initial reporting position as a newly appointed director or officer under Section 16(a) of the Securities Exchange Act.

3New insider — initial holdingsApr 103
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-04-10, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for NU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

+ 26 other (17 6-Ks · 6 3s · 2 13Gs · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Fintech Stocks Gain Attention as Financial Services Go Digitalzacks.com·7d agoNu Holdings: Surprising NIM Drives Future Expectationsseekingalpha.com·7d agoShould You Buy, Sell, or Hold Nu Holdings Now That Its Earnings Are Out?fool.com·9d agoNu Holdings Stock: Buy or Sell?fool.com·12d agoNu Holdings Still Has A Massive Growth Runwayseekingalpha.com·12d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · top 15 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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