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NUNU

Nu Holdings Ltd.

Trending onWhy it's trendingX chatter spiked vs its recent normBacked by solid revenue growthPrice and volume picking up
$NU·$67B·Banks - Regional·Financial Services
$13.79-0.6%YTD-19.2%1Y-0.4%
Mentions · last 7 days
2026-07-10: 169 posts2026-07-11: 60 posts2026-07-12: 72 posts2026-07-13: 230 posts2026-07-14: 224 posts2026-07-15: 284 posts2026-07-16: 217 posts1,265+34%
Price updated 14h ago·X counts updated 14h ago
NUNU
$NUNu Holdings Ltd.
$13.79-0.65%1.3k posts+34%
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 numbersAcceleratingAI verdict · as of 2026-07-16

The move is getting stronger, with heavier trading behind it.

Nubank just got Mexico bank approval — Latin America's largest digital bank at 130M customers and still growing 53%.

Nu Holdings is the parent of Nubank — Brazil's largest digital bank, now expanded to Mexico, Colombia, and other Latin American markets. The stock is down 19% YTD despite strong fundamentals, and Mexico just granted final full-bank regulatory approval, unlocking the next leg of growth.

  • Revenue grew 53% YoY last quarter with a 23% operating margin — one of the highest growth rates in banking at any scale, and the operating leverage is finally showing in the P&L.
  • Trades at 18x TTM earnings and 3.3x sales — reasonable for a business growing 40%+ with expanding margins; the Brazilian-market-risk discount is why this isn't at higher multiples.
  • Mexican regulatory approval (announced July 13-14) makes Nubank Mexico the country's largest digital bank at 15M+ customers — the second-largest LatAm banking market is now a full-bank opportunity, not just a card-and-deposit product.
  • 130M+ total customers vs SOFI's 12.6M puts scale into perspective — this is a genuinely massive digital-banking franchise that trades cheaper than fintech peers with a fraction of the scale.
  • 52-week position 34th percentile with position vs 50-day MA +7% — the tape has started to base after the drawdown; the volume multiplier at 2.6x confirms buying interest.

August 13 Q2 earnings is where the Mexico narrative gets translated into forward guidance: revenue growth held above 45% plus a raised FY26 Mexico customer trajectory is what re-rates the multiple; a soft Brazil credit-quality metric or slower Mexico take-up is where the -19% YTD extends further. Real fintech at real scale — the setup is asymmetric on the Mexico full-bank ramp landing as advertised.

Agrees with X sentimentThe bullish X take on Mexican regulatory approval, the 40% revenue growth trajectory, and the Shopify-playbook framing under CEO Rivera is analytically consistent with the setup. The comparison to SOFI on customer count is fair and highlights the scale differential.

What to watch: Aug 13 Q2 earnings — need revenue growth held above 45% and raised FY26 Mexico customer trajectory. Soft Brazil credit quality or slower Mexico take-up is where -19% YTD extends further.

On the calendar: 2026-08-13 — Q2 earnings

X sentiment

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

Bullish sentiment12 posts analyzed · as of 2026-07-15

Nu Holdings chatter is emphatically bullish. NU received final Mexican regulatory approval to operate as a full bank - Nubank Mexico is now the country's largest digital bank with 15M+ customers. Bulls emphasize revenue growth FY26e +40.1% and 130M+ customers (versus SOFI's 12.6M). CEO Rivera is applying the Shopify playbook to accelerate time-to-market at Nu. Bull trigger just printed with matrix targets $16 and $18. Community broadly long, calls NU alongside SOFI 'the most undervalued names in fintech.'

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

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

What this means for $NU

Partial — Brazil's largest digital bank by customers, offering no-fee credit cards, accounts, and personal loans across Latin America; the under-penetrated credit market digital super-app models and NIM dynamics is a secondary rather than primary near-term earnings catalyst.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+20.0%YTD
+25.9%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
Q1 2026May 14, 2026$0.19$0.20-3.6%
Q4 2025Feb 25, 2026$0.19$0.20-4.9%
Q3 2025Nov 13, 2025$0.17$0.16+6.3%
Q2 2025Aug 14, 2025$0.14$0.13+5.0%
Next earningsThu, Aug 13·consensus EPS $0.20

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$22.1B$21.2B – $22.9B$0.84$0.73 – $0.915
FY27$27.2B$24.1B – $30.5B$1.11$0.89 – $1.267
FY28$30.6B$28.1B – $33.4B$1.44$1.18 – $1.803
FY29$30.9B$28.4B – $33.7B$1.77$1.58 – $1.982

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.2.4×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.33%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.+6.3%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.-9.1%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 today5.0% 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.β0.955-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

SellMay 15Anita M SandsDirector21.0K sh$257KSellMar 23Junqueira Cristina Helena ZingarettiCEO300.0K sh$4.4M
+ 6 other (4 inkinds · 1 award · 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
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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.

+ 24 other (16 6-Ks · 6 3s · 1 13G · 1 20-F) in window

Recent news

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

Nu Holdings Ltd. (NU) Is a Trending Stock: Facts to Know Before Betting on Itzacks.com·1d agoNubank Names Brazil Chief Livia Chanes as Latin America CEOpymnts.com·2d agoNu Holdings Ltd. (NU) Outpaces Stock Market Gains: What You Should Knowzacks.com·3d agoGGAL vs. NU: Which Stock Is the Better Value Option?zacks.com·3d agoNubank's Mexico Business Just Passed 15 Million Customers. Here's Why It's the Real Growth Story.fool.com·3d ago

In themes

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

Consumer Fintech & Neobanks

More in Banks - Regional

Peers in the same group — one click to compare setups, fundamentals, and chatter.

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Voices on X · top 9 · 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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