Stock Analysis
Nu Holdings Ltd. (NU) Stock Analysis
Nu Holdings Ltd. (NU) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
Nu Holdings Ltd. (NU) currently has an AIQ Score of 44/100, indicating a neutral setup. Momentum is the strongest factor at 55/100. Risk is the weakest current factor at 34/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
NU at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $14.62 |
| AIQ Score | 44/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Neutral |
| Market Cap | $70.03B |
| P/E Ratio | 18.78 |
| Forward P/E | — |
| EPS | $0.22 |
| Revenue TTM | $5.52B |
| Dividend Yield | 0.00% |
| Beta | 0.94 |
| Volume | 65.72M |
| 52-week range | $11.20-$18.98 |
| RSI 14 | 50.49 |
| 50-Day SMA | $14.36 |
| 200-Day SMA | $14.96 |
| Analyst Price Target | $16.30 |
| Next Earnings | Nov 12, 2026 |
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NU
OverviewNU Stock Analysis Summary
Nu Holdings Ltd. (NU) currently has an AIQ Score of 44/100, indicating a neutral setup. Momentum is the strongest factor at 55/100. Risk resilience is the weakest current factor at 34/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, NU has AIQ Score of 44/100 with Momentum base of 55/100 and fading Risk resilience at 34/100. Wait for component alignment before adding exposure.
Momentum (55/100) leads while Risk resilience (34/100) lags. This cross-factor spread creates entry timing uncertainty.
Financial Services · -2.66% stock move · NU classified in Banks - Regional.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is NU Bullish or Bearish Right Now?
NU currently has a neutral overall setup. Momentum is the strongest factor at 55/100, while Risk Resilience is weakest at 34/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Price is +1.83% above its 50-day SMA.
- - Analyst target implies +11.49% upside from the latest quote.
- - Value is the current constraint at 35/100.
- - Risk Resilience is weak at 34/100.
- - Price is -2.27% below its 200-day SMA.
- - Technical consensus has more sell votes than buy votes (21 vs 18).
Current Consensus
NU's Technical Analysis Consensus is currently Neutral, with 18 buy, 6 neutral, and 21 sell votes. NU's 14-day RSI is 50.49, which places the stock in a neutral momentum range. NU's beta is 0.94, indicating market sensitivity broadly in line with the market.
What Changed in NU?
Recent score-change history is not available in the current snapshot. These are the latest market-close scores instead.
What Would Change the NU Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
NU Decision Framework
Public evidence layers, setup checks, and risk context for Nu Holdings Ltd..
Nu Holdings Ltd. (NU) Stock Analysis
Nu Holdings Ltd. has an AIQ Score of 44/100 in a Neutral regime. Momentum is strongest at 55/100. Beta is 0.94, close to market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | NU is in a Neutral AIQ regime with score 44/100. |
| Signal Conflict | The primary conflict is that momentum leads at 55/100 while risk lags at 34/100. |
| Factor Evidence | Momentum 55/100 · Value 35/100 · Quality 50/100 · Risk 34/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 55/100.
Momentum is 55/100 and RSI (14) is 50.5.
NU is in a Neutral regime at 44/100.
Risk factor is 34/100 with beta 0.94 and annual volatility 38.19%.
Current conflict: momentum leads at 55/100 while risk lags at 34/100.
NU Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
NU Fundamentals
NU valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
NU Technical Analysis
NU technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
NU Stock Catalysts
Track NU earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
NU Dividend Analysis
NU dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
NU Financial Data
NU revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
NU Risk Analysis
NU volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
NU Stock News
NU stock news, market tone, recent headlines, and catalyst context.
NU vs Fintech & Payments Peers
Current peer cohort: NU · OPEN · OPRT · PAYO · PYPL. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| NU Current stock | 44/100 | 35/100 | 55/100 | 34/100 | -0.07 | 38.19% | Current |
| OPEN Opendoor | 41/100 | 65/100 | 25/100 | 39/100 | -0.14 | 118.18% | NU vs OPEN |
| OPRT Oportun Financial | 57/100 | 73/100 | 69/100 | 46/100 | 0.55 | 65.13% | NU vs OPRT |
| PAYO Payoneer | 62/100 | 48/100 | 64/100 | 83/100 | 0.35 | 47.33% | NU vs PAYO |
| PYPL PayPal | 53/100 | 64/100 | 30/100 | 47/100 | -0.32 | 44.27% | NU vs PYPL |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Sep 11, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts8 recent quarterly periods are available for review.
Checked Sep 12, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching NU
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for NU
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
NU Stock FAQ
What is NU stock price today?
Nu Holdings Ltd.'s current stock price is $14.62. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is NU bullish or bearish right now?
NU's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is NU's market cap?
NU's market cap is $70.03B based on the latest completed market-close snapshot from Sep 11, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is NU's current P/E ratio?
NU's current P/E ratio is 18.78 based on the latest completed market-close snapshot from Sep 11, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is NU's RSI?
NU's 14-day RSI is 50.49 based on the latest completed market-close snapshot from Sep 11, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is NU above its 50-day and 200-day moving averages?
NU is 1.83% from its 50-day SMA and -2.27% from its 200-day SMA based on the latest completed market-close snapshot from Sep 11, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is NU's next earnings date?
NU's next earnings date is currently listed as Nov 12, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does NU pay a dividend?
NU's dividend yield is 0.00% based on the latest completed market-close snapshot from Sep 11, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.