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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 (1.7K/wk), no spike
$NU·$58B·Banks - Diversified·Financial Services
$11.60-3.1%YTD-29.8%1Y-1.2%
Mentions · last 7 days
2026-06-03: 270 posts2026-06-04: 392 posts2026-06-05: 286 posts2026-06-06: 50 posts2026-06-07: 94 posts2026-06-08: 353 posts2026-06-09: 204 posts1,672+12%
Price updated 2d ago·X counts updated 23h ago
NUNU
Nu Holdings Ltd.$NU
$11.60-3.09%1.7k posts+12%
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.

Comeback attemptStalledAI verdict · as of 2026-06-10

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

Nubank is at 10% of its 52-week range after a CFO exit — and just authorized its first $1B buyback into the dip.

Nu Holdings is the parent of Nubank, the largest digital bank in Brazil and one of the fastest-growing fintechs in the world, expanding into Mexico and Colombia under the same neobank model. The stock is down 30% YTD and sits at just 10% of its 52-week range after a CFO transition spooked traders into an 8% sell-off — exactly the window long-term bulls have been waiting for. Q1 revenue grew 53% YoY to $5B at a 19% operating margin and EPS of $0.18 just beat consensus by a hair — record profits at +20% revenue growth and NTM PEG below 0.4 on 35-43% forward EPS growth. The board authorized Nubank's first-ever $1B buyback into the drawdown, and Jefferies framed the CFO exit as personal with a deeply credentialed replacement coming in. Director Anita Sands sold $257K on May 15 — small. The bet is whether the Mexico expansion plus the buyback restart the multiple expansion before another quarter of optical noise.

Agrees with X sentimentAgree — the $1B first-ever buyback, the 53% YoY revenue growth, the PEG <0.4 framing, and the deeply-credentialed CFO replacement X is highlighting are all real and material. The BofA Sell call is fair to note but the operating data does support the bull framing.

What to watch: Aug 13 Q2 earnings under the new CFO: Mexico expansion contribution, customer growth and any buyback execution disclosure. A double-digit Mexico revenue contribution alongside continued 50%+ revenue growth restarts the rerate; another optical-noise quarter and the drawdown extends.

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

float missingbeta missing

X sentiment

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

Bullish sentiment82 posts analyzed · as of 2026-06-09

The dominant catalyst is a fresh $1B share-repurchase program — Nubank's first buyback — alongside record profits, +20% revenue growth, and a NTM PEG below 0.4 on 35–43% EPS growth. The CFO transition is being framed by Jefferies and others as a personal-reasons exit unrelated to performance or strategy, with a deeply credentialed replacement at the same time as a Mexico expansion. The stock sold off ~8% on the CFO news, which longs are treating as the entry; a BofA Sell call is the only material bear voice and is broadly dismissed.

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

Banks - Diversified · Financial Services

AI as systemic cybersecurity risk is the macro frame — Treasury Secretary Bessent's warning about AI-powered bank account hacks pulls compliance capex into focus for megabanks, while digital-first challenger banks (NU, SOFI) gain retail share with lower cost structures. JPM dividend increase signals confidence in earnings durability.

What this means for $NU

Partial — Brazil/LatAm digital bank with zero-fee model benefits from underbanked population capture; down 31% creates potential value entry point if LatAm macro stabilizes and revenue growth continues.

See how Banks - Diversified shapes $NU

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $NU's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Top industry ETF

$KBESPDR S&P Bank ETF
+5.6%YTD
+21.1%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
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$21.8B$20.7B – $22.6B$0.85$0.73 – $0.915
FY27$26.5B$23.8B – $29.2B$1.13$0.90 – $1.297
FY28$31.1B$29.8B – $32.3B$1.44$1.21 – $1.752
FY29$30.9B$28.8B – $33.4B$1.77$1.61 – $1.961

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.0.8×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.10%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.-13.4%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.-22.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Know if $NU is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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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
+ 5 other (4 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
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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 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.

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.

+ 19 other (12 6-Ks · 5 3s · 1 13G · 1 20-F) in window

Recent news

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

Stock Market Today, June 4: Nu Holdings Jumps After Board Approves $1 Billion Share Buybackfool.com·6d agoNu Launches $1 Billion Buyback As Growth Funding Stays Intactgurufocus.com·6d agoNu Holdings Ltd. (NU) is Attracting Investor Attention: Here is What You Should Knowzacks.com·7d agoNu Holdings Announces US$1.0 Billion Share Repurchase Programgurufocus.com·7d agoNu Holdings Announces US$1.0 Billion Share Repurchase Programbusinesswire.com·7d 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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