NU · NYSE · STOCK
Nu Holdings (NU) Stock Analysis
$16.11
52W $11.20 – $18.98
60/100
$78.07B
21.8
0.95
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is NU Bullish or Bearish?
Bullish.
Innellis AI committee rates Nu Holdings Ltd. (NU) Buy with a composite score of 60/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.78 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.22 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 50.5% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 30.3% shows genuine earnings power backing the valuation — Value
- Revenue growing 50.5% YoY -- genuine top-line momentum — Growth
- EPS growing 56.4% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.40 across 62 articles, 14d) — News
Bear Case
- Price-to-book of 7.1x prices in significant intangible value — Value
- Debt-to-equity of 4.17 adds balance-sheet risk to the value case — Value
- RSI at 76 is in overbought territory — Technical
- High leverage (debt-to-equity 4.17) amplifies downside in a stress scenario — Risk
- Current ratio of 0.20 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 31.0% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
60/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 46%
of 211 Financial Services peers
Value Analyst
neutral
50
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 30.3% shows genuine earnings power backing the valuation
− Price-to-book of 7.1x prices in significant intangible value
Growth Analyst
bullish
85
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 50.5% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− RSI at 76 is in overbought territory
Risk Analyst
neutral
42
/ 100 · High confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 4.17) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 62 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 61.9 to 60.2.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: score 58->48 (-10); +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
75.5
Overbought
MACD Histogram
0.325
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$14.59
Resistance
$16.22
Bollinger %B
0.98
Inside Bands
Price vs Moving Averages
EMA 9
$14.87
Above
EMA 21
$14.42
Above
EMA 50
$14.26
Above
EMA 200
$14.32
Above
Fundamental Analysis
Valuation
68
Growth
77
Profitability
73
Financial Health
0
Cash Flow
15
Valuation
P/E Ratio
21.8×
P/B Ratio
5.91×
PEG Ratio
0.40
Dividend Yield
0.00%
52W High
$18.98
52W Low
$11.20
Quality & Growth
ROE
2540.9%
ROA
383.1%
Gross Margin
4402.6%
Operating Margin
2262.4%
Revenue Growth YoY
—
Debt / Equity
3.17
AI Fundamental Assessment
P/E ratio of 21.8 (inexpensive relative to a 15-40x range); Price-to-book of 5.9x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 25.4%; Return on assets of 3.8%; Net margin of 18.6%; Gross margin of 44.0%; Current ratio of 0.25 (tight short-term liquidity); Debt-to-equity of 3.17; Free cash flow per share is negative (-0.87); Most recent quarter beat estimates by 3.5%; EPS growth accelerating (-6.3% -> +21.3% QoQ); Average YoY EPS growth of 54.3%; Analyst estimates rising over recent quarters
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