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NU Stock Analysis: Buy, Sell, or Hold?

NU - Nu Holdings Ltd.

Finance Services
$14.76
0.18 (1.23%) ▲
5d: +0.14%
30d: +4.76%
90d: +15.95%
WAIT
LOW Confidence
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Analysis Updated: Aug 24, 2026 12:00 AM ET
Earnings: Aug 13, 2026 0d
Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Aug 11, 2026 at $13.65 · last confirmed Aug 24, 2026

Strength: 9.0/10

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
📊 MIXED SIGNALS: NU shows conflicting indicators. Wait for confirmation before entering.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$32.50
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$20.18
26.9% Margin of Safety

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 15.2x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: NU is currently trading at $14.76, which is considered extended relative to its 30-day fair value range of $13.87 to $14.65. From a valuation perspective, the stock is trading at a discount (Forward PE: 13.3) compared to its historical average (15.2). Remarkably, the market is currently pricing in an annual earnings decline of 4.4% over the next few years. This pessimistic expectation contrasts with the company's recent 66.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.

Technical Outlook: Technically, NU is in a uptrend. Immediate support is located at $13.37, while resistance sits at $16.22.

Market Sentiment: NU scores 33/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $18.63 (+27.8%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED
Historical Trading Range $13.87 - $14.65
Company Quality Score 43/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 28.6%

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All Signals

  • BEARISH: Price extended above range
  • BEARISH: Weak technical setup (33/100)
  • BULLISH: High volume confirmation
  • BULLISH: Trading 27.8% below Wall St target ($18.63)
  • WARNING: Composite score 43/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $13.87 - $14.65
Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $13.37
Resistance Level $16.22
Current Trend Uptrend
Technical data as of Aug 24, 2026

Fundamental Context

Forward P/E (Next Year Est.) 13.28
Wall Street Target $18.63 (+27.8%)
Revenue Growth (YoY) 52.1%
Earnings Growth (YoY) 66.3%
Profit Margin 18.6%
Valuation Discount vs History -4.4% cheaper
PE vs Historical 13.3 vs 15.2 CHEAP
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -4.4% (market-implied from PE analysis)
1-Year Target $13.94 (-4%)
2-Year Target $13.33 (-9%)
3-Year Target $12.74 (-13%)
3-Yr Target (if PE normalizes) (PE: 13→15) $14.58 (0%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 20.1, Growth: 30.6%) $49.11 (+237%)
Base: (SPY PE: 13.3, Growth: 30.6%) $32.49 (+123%)
Bear: (PE: 11.3, Growth: 30.6%) $27.62 (+89%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 19.47 | Current EPS (TTM): $0.73
Bull Case $23.51 (+61%)
Analyst growth 50.4%, PE expands to 21.4
Base Case $21.37 (+47%)
Market implied 50.4%, PE stable at 19.5
Bear Case $9.66 (-34%)
Severe decline -20.0%, PE contracts to 16.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡 Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.3 to 15.2
Stabilization Target: $16.69 (+14.5%)
PE Expansion Potential: +14.5%
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Last updated: August 24, 2026 4:40 PM ET
Data refreshes hourly during market hours. Next update: 5:40 PM
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Technical Signals Check

Is NU showing a specific setup today?

RSI Divergence Check TTM Squeeze Check MACD Crossover Check Gamma Walls Check Unusual Activity Check
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Cristina Helena Zing Jun… SELL 300000 shares 2026-03-23

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Advanced NU Option Strategies

Professional options setups generated by AI based on today's NU price and gamma walls.

Iron Condor Bull Call Bear Put Collar

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