NU · NYSE · STOCK
Nu Holdings Ltd.
$13.65
52W $11.20 – $18.98
65/100
$66.11B
21.0
0.94
Is NU Bullish or Bearish?
Mixed.
Innellis AI committee rates Nu Holdings Ltd. (NU) Insufficient Data with a composite score of 65/100
, based on 3 analysts with 67% agreement.
Last updated August 11, 2026.
What Would Change This View
No threshold can be published for NU. The committee has not produced a scored recommendation, so there is no line for it to cross. Innellis does not infer one.
Executive Summary
Some positive signals exist — vix regime is low -- calm backdrop supports risk-taking — but they are not yet strong enough to justify a Buy. The committee is monitoring for confirmation.
Bull & Bear Case
Bull Case
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.33 across 12 articles, 14d) — News
Bear Case
- MACD histogram negative -- bearish momentum — Technical
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 August 11, 2026
Overall Committee Score
65/100
Agreement
67%
Analysts
3
Conviction
Low Data
Sector Rank
Top 42%
of 209 Financial Services peers
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 12 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
35.7
Neutral
MACD Histogram
-0.118
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$13.41
Resistance
$13.73
Bollinger %B
0.11
Inside Bands
Price vs Moving Averages
EMA 9
$14.04
Below
EMA 21
$14.01
Below
EMA 50
$13.78
Below
EMA 200
$14.28
Below
Fundamental Analysis
Valuation
73
Profitability
72
Financial Health
51
Cash Flow
70
Valuation
P/E Ratio
21.0×
P/B Ratio
5.27×
PEG Ratio
0.47
Dividend Yield
0.00%
52W High
$18.98
52W Low
$11.20
Quality & Growth
ROE
2540.9%
ROA
383.1%
Gross Margin
4374.4%
Operating Margin
2295.9%
Revenue Growth YoY
—
Debt / Equity
0.25
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 21.0 (inexpensive relative to a 15-40x range); Price-to-book of 5.3x; PEG ratio of 0.5 (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 18.1%; Gross margin of 43.7%; Current ratio of 0.83 (tight short-term liquidity); Debt-to-equity of 0.25; Free cash flow per share is positive (0.25); Earnings-history trend unavailable; growth based on TTM year-over-year only.
Get the Full NU Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →