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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 (449/wk), no spike
$NU·$67B·Banks - Regional·Financial Services
$15.33-0.3%YTD-10.1%1Y+0.7%
Price updated 14h ago·X counts updated 14h ago
NUNU
$NUNu Holdings Ltd.
$15.33-0.26%449 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.

449X posts · last 7 days
Aug 26Sep 8
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.

Bullish sentimentAI analysisGenerated by AI from underlying data26 posts analyzed · as of 2026-09-08

Nubank is teasing a US product debut on Thursday from 'Nu Stadium,' and fintech-multiple charts flag it as cheap at 6.3x sales vs HOOD at 22.6x. Monthly chart shows a clean bounce off the 12-month price channel support and a $69K yeeted call flow this week produced +245% on 9/18 $15 calls.

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 numbersAcceleratingAI verdict · as of 2026-09-08

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

Nubank cleared $1B quarterly net income at 139M customers — the LatAm digital-bank flywheel is unmistakable.

Nu Holdings is the parent of Nubank — the digital bank that has essentially replaced traditional Brazilian retail banking for a generation, now with real Mexico and Colombia footprints. The stock is roughly flat over the last year despite the business more than doubling revenue, and it just crossed $1B in quarterly net income for the first time.

  • Growth is exceptional for a bank at this size: Q1 revenue $4.98B up 53% YoY at 40% gross margin and 19% operating margin, powered by 139M customers, a rising credit card book, and expanding NIM.
  • Profitability is scaling — Q4 net income cleared $1B, TTM ROE at 27% and inflecting; that's institutional-grade returns on capital, which is what should re-rate a fintech multiple over the next 12 months.
  • Insider signal is mixed but nothing damning — co-founder Junqueira sold $1.3M into strength on 8/26 alongside routine director awards; a scheduled distribution, not a conviction shift.

Dec 8 Investor Day is the near-term catalyst — any explicit Mexico monetization roadmap or a US-market entry hint re-rates this off the year-lows; a NIM softening or a Brazilian credit-cycle scare and it retests the base. Watch monthly ARPAC (average revenue per active customer) and any Mexico consumer-lending disclosure.

Agrees with X sentimentThe read on Brazilian dominance widening, TTM ROE at 27%, and a golden-cross setup matches the numbers; the buyout speculation from major US financials is chatter, not thesis, and shouldn't drive the base case.

What to watch: Dec 8 Investor Day and Nov 12 Q3 earnings — Mexico active-customer growth, ARPAC trajectory, and any US-entry commentary; those move the multiple more than any single quarter.

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

Regional banks have stabilised after 2023 deposit-crisis concerns; NIM recovery is underway as funding costs peak and loan repricing continues. AI-powered commercial-lending underwriting and digital-banking features are differentiators for mid-size regional banks.

What this means for $NU

Direct beneficiary — Nu Holdings Brazil digital bank; fastest-growing digital bank in LatAm, AI-credit scoring, 100M+ customers.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+14.5%YTD
+14.9%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
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$22.8B$22.8B – $22.9B$0.87$0.82 – $0.906
FY27$28.1B$27.2B – $29.8B$1.13$1.07 – $1.257
FY28$33.2B$28.8B – $36.1B$1.46$1.17 – $1.784
FY29$30.9B$28.8B – $32.9B$1.78$1.63 – $1.942

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.53%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.+7.5%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.+2.4%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 today2.1% 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.

+ 27 other (18 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.

NU Holdings AI Push: Can NuFormer Strengthen Its Competitive Edge?zacks.com·23h agoNu Holdings Cleared $1 Billion in Quarterly Net Income With 139 Million Customersfool.com·6d agoNu Holdings Announces Investor Day for December 8, 2026businesswire.com·7d agoFintech Stocks Gain Attention as Financial Services Go Digitalzacks.com·15d agoNu Holdings: Surprising NIM Drives Future Expectationsseekingalpha.com·15d 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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