Nu Holdings Ltd. (NU) Stock: Price, Forecast & Analyst Target
Nu Holdings Ltd. (NU) — MoonshotScore 35/100 (Weak band), calculated Oct 5, 2026. Price $15.19 (+13.09%), as of the Oct 5, 2026 trading session; market cap $73.6B. Expected results Nov 12, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Nu Holdings Ltd. · NU · NYSE · Financial Services · Banks - Regional
Research dated 2026-09-12: Nu Holdings is a digital financial platform built around cards, accounts, payments, lending, savings, investing, insurance and adjacent services delivered through the Nu app. The key question is whether rapid profit growth can produce steadier operating cash generation as the balance sheet expands.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · Nu Holdings (NU)
WeakWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and elite growth, but a fragile balance sheet and an expensive valuation, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Fragile; Valuation: Bubble; Growth Durability: Compounding; Momentum: Falling.
Price relative to book value is the main valuation drag relative to sector peers.
- quarterly revenue $5.52B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- Altman Z 0.66 · Piotroski F 4
Holding back: balance-sheet strain, a rich price, weak price trend
Helping: business quality, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 36 | Weak | |
| 35 | Weak | |
| 34 | Weak | |
| 34 | Weak | |
| 34 | Weak | |
| 34 | Weak |
The score was 35 in the stored Oct 4, 2026 snapshot and remains 35 in the current publication computed Oct 5, 2026 (0); the largest pillar moves were Growth Durability +1 and Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $15.19 | |
| Change on the day | +13.09% | |
| 52-week range | $11.20 – $18.98 | |
| Market capitalisation | $73.6B | |
| Price / earnings (trailing) | 18.15 | |
| Shares traded on the day | 103.11M | |
| Beta (volatility vs the S&P 500) | 0.94 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Nu Holdings (NU): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the NU film — every key number, told as a short cinematic story
~2 min · open the film
What is Nu Holdings (NU), and what does it report?
Short answer · as of
Nu serves consumers and entrepreneurs across Latin American markets through an app that combines daily transactions with credit, savings, investing, protection, shopping, travel and mobile service.
Research dated 2026-09-12.
Nu serves consumers and entrepreneurs across Latin American markets through an app that combines daily transactions with credit, savings, investing, protection, shopping, travel and mobile service. Calling it a regional bank misses the operating model: customer activity can move across many products without leaving the same digital relationship.
Reported revenue measures the combined economics of that portfolio rather than card spending alone. Gross profit, operating profit and net income then show how much of the expanding revenue base survives through the consolidated income statement.
What do the latest results show for Nu Holdings (NU)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $5.52B.
Research dated 2026-09-12.
The latest quarter extended the revenue climb and produced sequential gains in gross profit, operating profit, net income and diluted earnings. The latest reported revenue and earnings also exceeded market estimates, although earlier earnings comparisons were mixed even when revenue surpassed expectations.
The supported mechanism is breadth of monetization: payments and accounts create frequent customer interactions, while cards, financing, investments, insurance and commerce provide additional product activity inside the Nu app. The financial record establishes accelerating scale and profitability, but it does not by itself assign the latest improvement to any particular product or market.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $5.52B Jun 30, 2026
- Latest quarter · net income
- $1.06B Jun 30, 2026
- Latest quarter · EPS
- $0.2200 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $5.52B | $1.06B | $0.2200 (diluted) |
| Mar 31, 2026 | $4.98B | $872.06M | $0.1800 (diluted) |
| Dec 31, 2025 | $4.70B | $892.38M | $0.1800 (diluted) |
| Sep 30, 2025 | $4.17B | $782.47M | $0.1600 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $5.88B Aug 13, 2026
- Latest report · revenue estimate
- $5.39B Aug 13, 2026
- Latest report · revenue vs estimate
- Above estimate Aug 13, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 13, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 13, 2026 | $5.88B | $5.39B | $0.2200 | $0.1984 |
| May 14, 2026 | $5.88B | $5.06B | $0.1900 | $0.1984 |
| Feb 25, 2026 | $4.90B | $4.55B | $0.1900 | $0.1998 |
| Nov 13, 2025 | $4.00B | $3.52B | $0.1700 | $0.1600 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $5.52B | $1.06B | $0.22 (diluted) |
| Q1 FY2026 | $4.98B | $872M | $0.18 (diluted) |
| Q4 FY2025 | $4.70B | $892M | $0.18 (diluted) |
| Q3 FY2025 | $4.17B | $782M | $0.16 (diluted) |
What are the financial strengths and risks for Nu Holdings (NU)?
Short answer · as of
The MoonshotScore pillars rate business quality, durable growth as strengths.
Research dated 2026-09-12.
Nu has moved from annual losses to sustained profitability, while recent margins and returns show that growth is reaching shareholders through the income statement. Cash and investments together exceed total debt, although cash and short-term investments alone remain below debt.
Operating cash flow is the sharper caution. It has swung widely and remained negative in successive recent periods even as accounting profit increased; the latest outflow also deepened. Continued divergence between earnings and operating cash generation would weaken the quality of the profit story, particularly alongside substantial debt and liabilities.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- −$2.92B Jun 30, 2026
- Previous quarter · operating cash flow
- −$1.21B Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | −$2.92B | −$11.71M |
| Mar 31, 2026 | −$1.21B | −$75.25M |
| Dec 31, 2025 | $831.03M | $270.95M |
| Sep 30, 2025 | −$970.60M | −$125.27M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Nu Holdings (NU)?
Short answer · as of
The next earnings report is expected on Nov 12, 2026.
Research dated 2026-09-12.
The next report needs to preserve growth in revenue, gross profit and net income without another deterioration in operating cash flow. A return to positive operating cash generation would make the income-statement momentum more convincing; another large outflow would keep cash conversion at the center of the risk case.
Watch cash and short-term investments alongside debt rather than viewing the rising cash balance in isolation. Market estimates anticipate further revenue and earnings expansion, but the widening range of later revenue forecasts signals less agreement about how far the current trajectory can extend.
How does Nu Holdings compare with its peers?
Short answer
Nu Holdings's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Nu differs from a conventional regional bank because the customer relationship spans far more than deposits and loans. The same app connects cards, transfers, bill payment, merchant purchases, financing, investing, crypto, insurance, shopping, travel and mobile service for consumers and entrepreneurs.
That breadth creates more ways for engagement in a product to feed activity elsewhere, while the digital platform supports operations across several countries. It also makes consolidated revenue less comparable with a lender whose economics are concentrated in a narrower banking franchise.
| Company | Price | Market value | Score |
|---|---|---|---|
| $78.80 Oct 5, 2026 | $36.9B | 98 5-pillar Oct 5, 2026 | |
| $96.47 Oct 5, 2026 | $21.8B | 98 5-pillar Oct 5, 2026 | |
| $75.81 Oct 5, 2026 | $18.3B | 98 5-pillar Oct 5, 2026 | |
| $4.36 Oct 5, 2026 | $38.6B | 95 5-pillar Oct 5, 2026 | |
| $17.59 Oct 5, 2026 | $9.81B | 91 5-pillar Oct 5, 2026 | |
| $57.64 Oct 5, 2026 | $89.2B | 90 5-pillar Oct 5, 2026 | |
| $159.50 Oct 5, 2026 | $10.1B | 89 5-pillar Oct 5, 2026 | |
| $32.03 Oct 5, 2026 | $7.68B | 89 5-pillar Oct 5, 2026 | |
| $90.79 Oct 5, 2026 | $111B | 81 5-pillar Oct 5, 2026 | |
| $165.37 Oct 5, 2026 | $116B | 74 5-pillar Oct 5, 2026 | |
| $9.97 Oct 5, 2026 | $94.7B | 71 5-pillar Oct 5, 2026 | |
| $110.72 Oct 5, 2026 | $103B | 68 5-pillar Oct 5, 2026 | |
| Nu Holdings (NU) — this page | $15.19 | $73.6B | 35 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $13.00 – $19.00
- Consensus target
- $16.53
- Median target
- $17.60
Consensus record · Captured .
Measured against a quoted price of $15.19 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 28, 2026
- Transactions
- 30
- Identified insiders
- 14
- Purchases
- 0
- Sales
- 5
- Other transactions
- 25
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 59.5% Period end Jun 30, 2026
- Previous quarter · ownership
- 59.1% Prior to period end Jun 30, 2026
- Reporting holders
- 934 Period end Jun 30, 2026
- Previous quarter · holders
- 970 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 355,012,573 |
| Baillie Gifford & Co | 229,930,331 |
| Capital Research Global Investors | 142,761,832 |
| Morgan Stanley | 117,966,561 |
| Jpmorgan Chase & Co | 99,956,959 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What Investors Ask About Nu Holdings (NU) — Financial Services
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
Is Nubank a regional bank or a broad financial app?
Nu is classified with regional banks, but its customer proposition combines transaction accounts, cards, payments, borrowing, investing, insurance and nonfinancial services inside the Nu app.
What does Pix financing add to Nu’s credit model?
Pix financing embeds borrowing in the transfer flow, allowing eligible card and account customers to finance peer-to-peer payments from within the Nu relationship.
Why does Nu combine banking with Nu Shopping, NuTravel and NuCel?
Those services extend the app beyond conventional banking and create additional customer activity alongside payments, credit, savings and protection products.
Why can Nu’s cash balance rise while operating cash flow is negative?
The cash balance increased even as recent operating cash flow was negative because a period’s operating flow is only one contributor to the ending balance. The contrast means investors should track cash conversion and balance-sheet funding together rather than treating the larger cash position as evidence that operations generated it.
What is the NU stock price today?
The last price recorded on this page for Nu Holdings Ltd. (NU) is $15.19, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the NU price target?
The analyst consensus price target for Nu Holdings Ltd. (NU) is $16.53 (range $13.00 to $19.00, median $17.60), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (72 figures)
The 72 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | RUA Capote Valente, 39, Pinheiros, SAO Paulo, SP, D5, 05409-000 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "Rua Capote Valente, 39, São Paulo, SP, 05409-000, BR". |
FMP — 63 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $15.19 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T16:24:33.380Z. | |
px.change | Change on the day | +13.09% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $73.6B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T16:24:29.000Z. Captured from FMP at 2026-10-05T16:24:31.667Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Nov 12, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$1.76 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $5.52B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 18.15 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 103.11M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.94 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | David Velez Osorno | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.founder | Founder named in the filing | David Velez-Osomo — Founder, Chairman & Chief Executive Officer | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 8,037 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.51B, net result −$164.99M; FY2022 revenue $4.52B, net result −$364.58M; FY2023 revenue $7.67B, net result $1.03B; FY2024 revenue $11.10B, net result $1.97B; FY2025 revenue $15.88B, net result $2.87B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $5.52B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $1.06B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $0.2200 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $4.98B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $872.06M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $0.1800 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $4.70B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $892.38M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $0.1800 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $4.17B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $782.47M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $0.1600 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-13.revenue_actual | Revenue · reported — report date 2026-08-13 | $5.88B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-13.revenue_estimated | Revenue · estimate — report date 2026-08-13 | $5.39B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-13.eps_actual | EPS · reported — report date 2026-08-13 | $0.2200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-13.eps_estimated | EPS · estimate — report date 2026-08-13 | $0.1984 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.revenue_actual | Revenue · reported — report date 2026-05-14 | $5.88B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.revenue_estimated | Revenue · estimate — report date 2026-05-14 | $5.06B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.eps_actual | EPS · reported — report date 2026-05-14 | $0.1900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-14.eps_estimated | EPS · estimate — report date 2026-05-14 | $0.1984 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-25.revenue_actual | Revenue · reported — report date 2026-02-25 | $4.90B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-25.revenue_estimated | Revenue · estimate — report date 2026-02-25 | $4.55B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-25.eps_actual | EPS · reported — report date 2026-02-25 | $0.1900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-25.eps_estimated | EPS · estimate — report date 2026-02-25 | $0.1998 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-13.revenue_actual | Revenue · reported — report date 2025-11-13 | $4.00B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-13.revenue_estimated | Revenue · estimate — report date 2025-11-13 | $3.52B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-13.eps_actual | EPS · reported — report date 2025-11-13 | $0.1700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-13.eps_estimated | EPS · estimate — report date 2025-11-13 | $0.1600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | −$2.92B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$1.21B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$11.71M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$75.25M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $831.03M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | $270.95M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | −$970.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$125.27M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $13.00 – $19.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $16.53 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $17.60 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 30 transactions · 0 purchases, 5 sales, 25 other transactions · 14 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 28, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 59.5% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 59.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 934 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 970 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 355,012,573 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Baillie Gifford & Co — shares in provider snapshot | 229,930,331 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Capital Research Global Investors — shares in provider snapshot | 142,761,832 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Morgan Stanley — shares in provider snapshot | 117,966,561 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Jpmorgan Chase & Co — shares in provider snapshot | 99,956,959 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-18 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.66 · Piotroski F 4 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-05 | |
px.range52 | 52-week range | $11.20 – $18.98 | UNRECORDED | Stored company-profile observation — Captured 2026-10-03 |
COMPUTED — 2 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history.depth.2026-08-13.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($5.88B) with the recorded estimate ($5.39B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-13.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.2200) with the recorded estimate ($0.1984) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 3 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 35 of 100 · Weak · pillars 85 / 19 / 9 / 97 / 18 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.valuation_driver | Recorded valuation score driver | Price relative to book value is the main valuation drag relative to sector peers. | OURS | Stock Expert AI MoonshotScore v2 engine · stored factor contributions | |
ours.moonshot_change | MoonshotScore movement | 35 (stored snapshot Oct 4, 2026) → 35 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-08-13. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-13.revenue_actual,earn.history.depth.2026-08-13.revenue_estimated,earn.history.depth.2026-08-13.revenue_actual.comparison,earn.history.depth.2026-08-13.eps_actual.comparison,earn.history.depth.2026-08-13.eps_actual,earn.history.depth.2026-08-13.eps_estimated,earn.history.depth.2026-05-14.revenue_actual,earn.history.depth.2026-05-14.revenue_estimated,earn.history.depth.2026-05-14.eps_actual,earn.history.depth.2026-05-14.eps_estimated,earn.history.depth.2026-02-25.revenue_actual,earn.history.depth.2026-02-25.revenue_estimated,earn.history.depth.2026-02-25.eps_actual,earn.history.depth.2026-02-25.eps_estimated,earn.history.depth.2025-11-13.revenue_actual,earn.history.depth.2025-11-13.revenue_estimated,earn.history.depth.2025-11-13.eps_actual,earn.history.depth.2025-11-13.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6199 — Finance Services. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-08-13 | FMP | Financial Modeling Prep (FMP) earnings |
| Trailing twelve-month ratio set | Quick ratio: 0.25; Current ratio: 0.25; Debt to equity: 3.17; Net margin: 18.6%; Gross margin: 44%; Operating margin: 22.6%; Return on assets: 4.4%; Return on equity: 30.3% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $42.02B; Liquidity basis: cash and short-term investments; Total liabilities: $69.50B; Cash and short-term investments: $33.27B; Cash and investments: $50.07B; Long-term investments: $16.79B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $50.07B; Cash and short-term investments: $33.27B; Long-term investments: $16.79B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: -$8.75B; Total debt: $42.02B; Cash and investments: $33.27B Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Next earnings report | Date: 2026-11-12; EPS estimate: $0.23 per share; Revenue estimate: $5.94B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
Data provided for informational purposes only.
ETFs that hold NU
Funds in our ETF coverage that list NU among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| iShares FinTech Active ETF (BPAY) | 2.96% |