Nu (NU) Stock: Buy, Sell, or Hold?
$11.83
-0.49 (-3.98%)
▼
5d:
+0.77%
30d:
-20.76%
90d:
-22.32%
QUANTITATIVE VERDICT
BUY
HIGH Confidence (86%)
Quality Score
74/100
Position
OVERSOLD
30-Day Fair Range
$12.02 – $15.32
Position: OVERSOLD
Forward P/E & Valuation
11.0x
CHEAP
vs 14.5x historical avg
Wall Street Target
$18.21
+53.9% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$11.21 / $12.40
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
✅ BUY SIGNAL: NU appears deeply undervalued. Market expects -9.0% annual earnings decline despite 66% recent earnings growth. Contrarian opportunity at discount to historical valuation.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$30.49
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$18.93
37.5% 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 14.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $11.83, which is considered oversold relative to its 30-day fair value range of $12.02 to $15.32. From a valuation perspective, the stock is trading at a discount (Forward PE: 10.9) compared to its historical average (14.5). Remarkably, the market is currently pricing in an annual earnings decline of 9.0% 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 $11.21, while resistance sits at $12.40. Short-term momentum is weak, with the stock down 4.0% recently.
Market Sentiment: NU scores 94/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $18.21 (+53.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NU is in a uptrend. Immediate support is located at $11.21, while resistance sits at $12.40. Short-term momentum is weak, with the stock down 4.0% recently.
Market Sentiment: NU scores 94/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $18.21 (+53.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$12.02 -
$15.32
Company Quality Score
74/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
85.7%
Trading Range & Key Levels
30-Day Trading Range
$12.02 -
$15.32
Current vs Trading Range
OVERSOLD
Support Level
$11.21
Resistance Level
$12.40
Current Trend
Uptrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (94/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-4.0%)
- BULLISH: Trading 53.9% below Wall St target ($18.21)
- BULLISH: Bottoming setup score 94/100 — corrected, stabilizing, and turning up
Fundamental Context
Forward P/E (Next Year Est.)
10.95
Wall Street Target
$18.21
(+53.9%)
Revenue Growth (YoY)
52.1%
Earnings Growth (YoY)
66.3%
Profit Margin
42.7%
Valuation Discount vs History
-9.0% cheaper
PE vs Historical
11.0 vs 14.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-9.0%
(market-implied from PE analysis)
1-Year Target
$10.77
(-9%)
2-Year Target
$9.80
(-17%)
3-Year Target
$8.91
(-25%)
3-Yr Target (if PE normalizes)
(PE: 11→15)
$11.80
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 26.8%)
$43.76
(+270%)
Base:
(SPY PE: 11.0, Growth: 26.8%)
$24.14
(+104%)
Bear:
(PE: 9.3, Growth: 26.8%)
$20.52
(+73%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 16.88 | Current EPS (TTM): $0.73
Bull Case
$20.05
(+70%)
Analyst growth 47.9%, PE expands to 18.6
Base Case
$18.23
(+54%)
Market implied 47.9%, PE stable at 16.9
Bear Case
$8.38
(-29%)
Severe decline -20.0%, PE contracts to 14.4
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 11.0 to 14.5
Stabilization Target:
$15.66
(+32.4%)
PE Expansion Potential:
+32.4%
Share NU Analysis
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (NU)
Bullish
14 Retail Mentions
Reddit / WSB Comments
2
Bullish
StockTwits Volume
12 msgs
24h retail stream
Last Tracked
Nov 13, 2026
Daily AI digest
AI Retail Discussion Summary:
Nu Holdings Ltd. ($NU) reported Q3 earnings in line with estimates, surpassing revenue estimates. The company has topped consensus revenue estimates in the last four quarters.
Key Retail Themes:
Earnings Beat
Revenue Growth
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 13, 2026 9:29 AM ET
Data refreshes hourly during market hours. Next update: 10:29 AM
Data refreshes hourly during market hours. Next update: 10:29 AM
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Technical Signals Check
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Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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