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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 (570/wk), no spike
$NU·$68B·Banks - Regional·Financial Services
$14.09-0.7%YTD-17.4%1Y+10.5%
Mentions · last 7 days
2026-07-18: 28 posts2026-07-19: 40 posts2026-07-20: 103 posts2026-07-21: 138 posts2026-07-22: 90 posts2026-07-23: 80 posts2026-07-24: 90 posts570+11%
Price updated 13h ago·X counts updated 13h ago
NUNU
$NUNu Holdings Ltd.
$14.09-0.70%570 posts+11%
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 numbersWinding up for a moveAI verdict · as of 2026-07-24

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

LatAm's largest digital bank — 115M customers, 30% ROE, just got a formal Brazilian bank license, and buybacks are on for the first time.

Nubank is Brazil's largest digital bank and the LatAm fintech giant nobody's afraid of yet — 115M customers, 30% ROE, and now a formal Brazilian bank license after operating for years as a payments-institution proxy. YTD -17% has been macro-driven while the underlying business kept compounding.

Where the setup stands:

  • Growth compounds at scale: Q1 revenue was $4.98B up 53% YoY at 19% OM, and consensus is modeling 25-35% EPS growth on 22x PE — a quality-compounder valuation for a business printing 30% ROE with a customer base larger than most US banks.
  • The new bank license is a genuine unlock: operating as a full-fledged Brazilian bank rather than a payments-institution changes deposit-cost structure and unlocks broader credit products — combined with the Banco Porto Real acquisition, it adds an investment-banking arm on top of retail.
  • Buybacks starting is the return signal: Nubank initiating buybacks for the first time tells you management sees the current price as attractive versus internal capital-deployment options — meaningful at $65B market cap as the incremental capital-allocation math becomes visible.

Q2 print is the next resolver (Bradesco projects 53% YoY net income and 48% loan-book growth) plus specific Mexico expansion commentary — a beat and continued Mexico ramp restart the move toward the $17 sell-side target. What breaks it: a sharp deterioration in Brazilian NPL cycle, or real weakness compressing US-listed returns even if operational metrics beat.

Agrees with X sentimentAgree with the quality-compounder read — the bank license, 30% ROE, and buybacks initiating are all substantive positives — but the crowd underweights the Brazil NPL cycle risk and real weakness on US-listed returns, which are the reasons YTD is -17% despite operating strength.

What to watch: Q2 print — whether the Bradesco projections (53% YoY net income growth, 48% loan portfolio growth) hold, Mexico expansion pace, and any Brazilian NPL cycle deterioration; sustained real weakness caps US-dollar upside.

X sentiment

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

Bullish sentiment41 posts analyzed · as of 2026-07-24

Nubank chatter is dominated by CEO David Vélez being appointed to OpenAI's board, alongside BNY's Robin Vince, ahead of the OpenAI IPO — traders frame it as a global-recognition milestone. Bradesco reiterated Outperform with a $17 target and projects Q2 net income up 53% YoY on 48% loan-portfolio growth. Technically, NU broke a downtrend, closed above key weekly EMAs on unusually heavy 135M-share volume, and posters cite 25%+ EPS compounding potential with 30% ROE at a 22x multiple.

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; partial earnings exposure to banks - regional demand dynamics through its product portfolio.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.7%YTD
+18.6%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$22.4B$22.1B – $22.5B$0.85$0.74 – $0.915
FY27$27.4B$25.6B – $30.1B$1.11$0.89 – $1.257
FY28$30.9B$29.0B – $33.4B$1.43$1.17 – $1.793
FY29$30.9B$29.0B – $33.3B$1.77$1.63 – $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.1.1×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.37%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.+8.4%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.-6.9%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 today2.5% 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
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.

+ 25 other (17 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: High-Quality Business With Strong Growth And Low Valuationseekingalpha.com·19h agoNu Holdings Ltd. (NU) Dips More Than Broader Market: What You Should Knowzacks.com·2d agoNubank Strikes Bank Deal to Secure Brazilian Licensepymnts.com·3d agoNU Expands Operations: Is Growth Set to Accelerate in Brazil & Mexico?zacks.com·4d agoNu Holdings Ltd. $NU Shares Sold by Baader Bank Aktiengesellschaftdefenseworld.net·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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