Nu Holdings Ltd. (NU) Stock Price & Analysis
Nu Holdings Ltd. (NU) closed at USD 14.73 on Thursday, October 22, 2026, down 2.13% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 15.05; the Oct 22, 2026 session ranged USD 14.63–15.07 on volume of 55,420,056 shares. Market capitalization is $71.16B, with a 52-week range of USD 11.2–18.98 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 07:55 UTC.
Also available as compact Markdown for AI agents: nexqual.com/NU.md
Key facts (NU)
- 5 of 80 tracked superinvestors hold NU (13F, Q2 2026): 1 new, 2 added, 1 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 5 Form 4 filings, $6.3M; 3 not under a Rule 10b5-1 plan ($4.6M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.14 on a 1–5 scale) (22 analysts), mean target USD 18.92 (range 12–23).
- Total return with dividends: 1Y -7.4% vs S&P 500 +14.9%; 5Y +24.3% vs S&P 500 +80.3%.
- Next earnings: 2026-11-12, EPS estimate USD 0.22, revenue estimate $5.94B.
Superinvestors (SEC 13F-HR, Q2 2026) (NU)
5 of 80 tracked investors hold NU. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Lee Ainslie | Maverick Capital | 4.29% | $475M | Added +58.4% |
| Stephen Mandel | Lone Pine Capital | 3.86% | $631M | Added +24.2% |
| Chase Coleman | Tiger Global Management | 0.61% | $147M | Unchanged |
| Polen Capital | Polen Capital Management | 0.09% | $10.1M | Reduced -38.2% |
| Glenn Greenberg | Brave Warrior Advisors | 0.01% | $534K | New position |
Insider sales (SEC Form 4, open-market, last ~7 months) (NU)
2 of 5 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-05 | Junqueira Cristina Helena Zingaretti | US CEO and Chief Growth Offcr | 25,000 | $375K | 0.3% | Yes (adopted March 27, 2026) | Too little history (no open-market trades in 2023–2025) |
| 2026-08-24…2026-08-25 | Junqueira Cristina Helena Zingaretti | US CEO & Chief Growth Officer | 90,000 | $1.3M | 1% | Yes (adopted March 27, 2026) | Too little history (no open-market trades in 2023–2025) |
| 2026-08-14 | Fragelli Henrique Camossa Saldanha | Chief Risk Officer | 221,707 | $3.5M | 4.8% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-08-14 | Junqueira Cristina Helena Zingaretti | US CEO & Chief Growth Officer | 50,000 | $790K | 0.5% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-05-15 | Sands Anita M | Director | 21,000 | $257K | 11.5% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (NU)
Consensus Buy (mean 2.14 on a 1–5 scale), 22 analysts; mean target USD 18.92 (low 12, high 23).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-20 | UBS | Target raised | Buy | $18.2 → $20.5 |
| 2026-10-06 | JP Morgan | Target raised | Overweight | $20 → $23 |
| 2026-09-28 | Needham | Reiterated | Buy | $19 |
| 2026-09-16 | Itau BBA | Downgrade | Outperform → Market Perform | $20 → $18 |
| 2026-09-11 | Needham | Reiterated | Buy | $19 |
| 2026-08-25 | Wolfe Research | Target lowered | Outperform | $18 → $17 |
| 2026-08-20 | UBS | Target raised | Buy | $16.9 → $18.2 |
| 2026-08-14 | Susquehanna | Target raised | Neutral | $13 → $16 |
| 2026-08-14 | Needham | Target raised | Buy | $17 → $19 |
| 2026-07-07 | JP Morgan | Target raised | Overweight | $18 → $20 |
| 2026-06-26 | Needham | Initiated | Buy | $17 |
Total return (dividends reinvested) (NU)
| 1Y (from 2025-10-23) | 5Y (from 2021-12-06) | |
|---|---|---|
| Total return | -7.4% | +24.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -7.4% | +4.6% |
| Volatility (annualized) | 42.3% | 49.6% |
| Max drawdown | -38.2% (Jan 2026→Jun 2026) | -70.7% (Dec 2021→Jun 2022) |
NU suppliers, customers and competitors (named in its 20-F)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Nubank | “Additionally, we believe Nubank offers a better customer experience: the journey to acquire the product is completely” |
| Customer | Nu Investimentos | “of Easynvest and relaunched it under the Nu Investimentos brand with curated features to help our customers invest more easily in the” |
| Partner | Mastercard (MA) | “Our alliances with Arcus, by Mastercard, which began on March 12, 2024, represent significant” |
| Partner | Chubb Ltd (CB) | “app in partnership with Chubb Limited, or "Chubb", a leading global insurance policy underwriter, and by acquiring Easynvest,” |
Quoted from the company's 20-F filed Apr 8, 2026.
NU analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.22 | $0.21 | +5.7% | $5.94B | 10 |
| Next quarter (ends Dec 2026) | $0.24 | $0.22 | +8.5% | $6.29B | 10 |
| Current fiscal year (ends Dec 2026) | $0.85 | $0.81 | +5.6% | $22.80B | 16 |
| Next fiscal year (ends Dec 2027) | $1.11 | $1.07 | +3.8% | $28.27B | 16 |
NU options: expected move
Options price a move of about ±15.6% (±$2.30) by Nov 13, 2026, which includes earnings on Nov 12, 2026.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Oct 23, 2026 | 1 | 42.2% | ±2.2% |
| Oct 30, 2026 | 8 | 106.0% | ±13.0% |
| Nov 6, 2026 | 15 | 85.1% | ±13.8% |
| Nov 13, 2026 | 22 | 80.0% | ±15.6% |
| Nov 20, 2026 | 29 | 69.6% | ±15.6% |
| Nov 27, 2026 | 36 | 66.5% | ±16.6% |
| Dec 4, 2026 | 43 | 59.3% | ±16.3% |
| Dec 18, 2026 | 57 | 56.5% | ±18.0% |
30-day implied volatility 67.2% vs 60.5% realized over the last 30 trading days. Put/call ratio (volume) 0.45. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 07:55 UTC)
| Price | USD 14.73 |
|---|---|
| Change | ▼ 2.13% (down) |
| Previous Close | USD 15.05 |
| Open | USD 14.89 |
| Day Range | USD 14.63 – 15.07 |
| 52-Week Range | USD 11.2 – 18.98 |
| Volume | 55,420,056 shares |
| Market Cap | $71.16B |
| Exchange | NYQ |
Technical Analysis (NU)
Nexqual's technical model rates NU "BUY" based on 4 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 07:55 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 48.01 (neutral) |
| vs SMA50 | Above (USD 14.55) |
| MACD | 0.19 (positive) |
Analyst Ratings (NU)
Wall Street analysts rate NU "Buy" based on 22 analysts, with a mean price target of USD 18.92 (range USD 12–23), per Nexqual as of October 23, 2026 at 07:55 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 22 |
| Mean Target | USD 18.92 |
| High Target | USD 23 |
| Low Target | USD 12 |
| Buy / Hold / Sell | 17 / 4 / 1 |
Earnings (NU)
| Next Earnings Date | 2026-11-12 |
|---|---|
| EPS Estimate | USD 0.22 |
| Revenue Estimate | $5.94B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.22 vs est 0.19 ▲ beat |
| 2026-03-31 | USD 0.18 vs est 0.19 ▼ miss |
| 2025-12-31 | USD 0.18 vs est 0.18 ▼ miss |
| 2025-09-30 | USD 0.16 vs est 0.15 ▲ beat |
Source: Nexqual, October 23, 2026 at 07:55 UTC.
Financials & Fundamentals (NU)
| Total Revenue | $8.44B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +52.10% |
| Gross Margin | +0.00% |
| Operating Margin | +50.15% |
| Profit Margin | +42.73% |
| ROE | +31.63% |
| Total Cash | $15.17B |
| Total Debt | $5.90B |
Source: Nexqual, October 23, 2026 at 07:55 UTC.
Financial Health Score (NU)
Nexqual rates Nu Holdings Ltd.'s overall financial health "Strong" across five dimensions, as of October 23, 2026 at 07:55 UTC.
| Growth | Strong — Revenue +37% YoY (annual) |
|---|---|
| Profitability | Solid — Net margin 18% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Finance Services) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Finance Services) |
| Efficiency | Strong — ROE 32%, ROA 5.0% |
Ownership (NU)
| Insider Ownership | +2.07% |
|---|---|
| Institutional Ownership | +82.46% |
| Shares Outstanding | 3.81B |
| Float | 3.71B |
| Short % of Float | +3.58% |
Source: Nexqual, October 23, 2026 at 07:55 UTC.
Leadership (NU)
Nu Holdings Ltd. is led by David Velez-Osomo, Founder, Chairman & CEO, per Nexqual as of October 23, 2026 at 07:55 UTC.
| Founder, Chairman & CEO | David Velez-Osomo |
|---|---|
| Executive Vice-Chairman and Global Head of Public Policy | Roberto de Oliveira Campos Neto |
| Chief Financial Officer | Rob Livingston |
| Chief Technology Officer | Eric Cristhopher Young |
| Investor Relations Officer & Director of Market Intelligence | Guilherme Souto |
Major Backers & Investors (NU)
Notable institutional backers of Nu Holdings Ltd. include Baillie Gifford, Capital Group, Morgan Stanley, according to Nexqual as of October 23, 2026 at 07:55 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Baillie Gifford | 6.04% |
| Capital Group | 3.75% |
| Morgan Stanley | 3.1% |
| JPMorgan | 2.63% |
| FMR, LLC | 1.99% |
| WCM Investment Management, LLC | 1.96% |
| Lone Pine Capital | 1.24% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.32% |
| State Street | 2.54% |
| Vanguard Group | 1.42% |
Source: Nexqual, October 23, 2026 at 07:55 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| LYG | Lloyds Banking Group Plc | USD 5.38 | ▼ 2% |
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| PNC | PNC Financial Services Group, I | USD 225.53 | ▲ 1.18% |
| TFC | Truist Financial Corporation | USD 48.42 | ▲ 1.45% |
| USB | U.S. Bancorp | USD 60.02 | ▲ 1.64% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 07:55 UTC. This page is informational and not investment advice.
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