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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 (1.6K/wk), no spike
$NU·$78B·Banks - Regional·Financial Services
$14.56-1.2%YTD-8.7%1Y-3.0%
Price updated 7h ago·X counts updated 5d ago
NUNU
$NUNu Holdings Ltd.
$14.56-1.15%1.6k posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $NU on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

1,573X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $NU's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Mixed sentimentAI analysisGenerated by AI from underlying data15 posts analyzed · as of 2026-10-02

Sentiment is split on the surprise Nubank-Monzo rumor — $NU is reportedly in early talks to acquire the UK digital bank for £8-10B, which bulls read as the move to a global powerhouse alongside the new US account paying 3.50-4.50% yield. Bears flag the Brazil unsecured-credit concentration risk and the capital-allocation question ("really hoping this is BS"). Even the fans are nervous: "excited and nervous at the same time."

Read what X is saying about $NU

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $NU — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-10-02

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Nubank is quietly building a global neobank — Monzo talks and a US launch are the near-term swing factors.

Nu Holdings is Latin America's largest digital bank, with 100M+ customers across Brazil, Mexico, and Colombia. The stock is down this year on sentiment, not on the business — revenue is still growing 53% YoY at a 23% operating margin.

  • The core business is a profitable fintech compounder: Q1 revenue +53% YoY at a 23% operating margin and ROIC of 16.5% — fintechs that both grow this fast AND earn money are rare, which is why the stock trades at 18x PE even in a drawdown.
  • The M&A optionality is the swing factor: £8-10B Monzo talks add UK/EU reach, and the simultaneous US-account launch at 3.50% (4.50% with card) is a direct shot at zero-yield checking incumbents — expansion in two major markets at once.
  • 52-week position is 27% with vol multiplier 1.76 — the market is accumulating under the surface rather than selling, which is a coiled setup given the news-flow density.

Nov 12 Q3 is the operational read, but the Monzo-deal headline is near-term — a confirmed deal plus strong US pickup extends the stock sharply higher. A broken Monzo deal or soft US launch and the chart stays range-bound.

Agrees with X sentimentThe crowd's split read — Monzo acquisition versus "focus on current operations" — captures the real tension: Nubank's organic business is already a strong story, so M&A has to clear a high bar not to dilute it.

What to watch: Nov 12 Q3 — net adds, deposit growth, operating margin, and any Monzo-deal update. A broken Monzo deal or Brazilian regulatory shock is the clear invalidator.

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

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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 — HDFC Bank securities fraud class action class deadline Sep 20 keeps litigation overhang on the India private banking thesis.

What this means for $NU

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

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+6.4%YTD
+20.1%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 $0.23

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$22.8B$22.8B – $22.9B$0.87$0.82 – $0.946
FY27$28.1B$27.2B – $29.8B$1.12$1.07 – $1.257
FY28$34.8B$30.6B – $38.4B$1.46$1.19 – $1.805
FY29$30.9B$28.9B – $33.0B$1.79$1.64 – $1.952

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.0.6×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.43%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.+0.7%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.-0.6%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 today1.2% 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.β0.955-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

SellOct 5Junqueira Cristina Helena ZingarettiCEO25.0K sh$375KSellAug 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$257K
+ 22 other (15 awards · 7 inkinds) 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 holdingsSep 303
AI summary

Sarah K. Wilson filed a initial Form 3 beneficial ownership statement for Nu Holdings Ltd. (NU) on 2026-09-30, reporting their status as a Chief Legal Officer. This is an administrative Section 16 disclosure required when a new insider (director, officer, or 10% holder) first reports their holdings; it signals a change in the company's executive or governance structure rather than a market transaction.

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.

+ 21 other (19 6-Ks · 2 13Gs) in window

Recent news

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

Prediction: Here's What $1,000 Invested in Nu Holdings Today Could Be Worth by 2030fool.com·2d agoNu Holdings Ltd. (NU) is Attracting Investor Attention: Here is What You Should Knowzacks.com·2d agoNu Holdings: Buy Regardless Of The Brazilian Election Resultsseekingalpha.com·3d agoNu Holdings: Nubank's Global Expansion Is Just Startingseekingalpha.com·3d agoNu Holdings stock loses momentum after hitting a resistance: is it a buy?invezz.com·4d 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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