What is the fair value of NU stock?

Our analysis estimates the fair value range for NU to be between $14.06 and $15.15. The current price is $14.62.

What is the analyst price target for NU?

The average Wall Street analyst price target for NU is $18.87. This implies a potential upside of 29.1% from current levels.

Nu (NU) Stock: Buy, Sell, or Hold?

NU - Nu Holdings Ltd.

Finance Services

$14.62

-0.40 (-2.66%) ▼

5d: -6.76%

30d: +7.82%

90d: +20.93%

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LOW Confidence

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Analysis Updated: Sep 11, 2026 12:00 AM ET

Earnings: Aug 13, 2026 0d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Sep 4, 2026 at $15.37 · last confirmed Sep 11, 2026

Strength: 6.0/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
ℹ️ NEUTRAL: NU is fairly priced but lacks strong directional signals. At -4.3% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$32.59

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$20.23

27.7% 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 15.1x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: NU is currently trading at $14.62, which is considered fair relative to its 30-day fair value range of $14.06 to $15.15. From a valuation perspective, the stock is trading at a discount (Forward PE: 13.2) compared to its historical average (15.1). Remarkably, the market is currently pricing in an annual earnings decline of 4.3% 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. The price is currently testing key support at $14.21. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: NU scores 38/100 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 $18.87 (+29.1%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position FAIR

Historical Trading Range $14.06 - $15.15

Company Quality Score 48/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 50.0%

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All Signals

NEUTRAL: Price in fair range
BEARISH: Weak technical setup (38/100)
BULLISH: High volume confirmation
BULLISH: Trading 29.1% below Wall St target ($18.87)
WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $14.06 - $15.15

Current vs Trading Range FAIR

Support & Resistance Levels

Support Level $14.21

Resistance Level $15.84

Current Trend Uptrend

Technical data as of Sep 11, 2026

Fundamental Context

Forward P/E (Next Year Est.) 13.19

Wall Street Target $18.87 (+29.1%)

Revenue Growth (YoY) 52.1%

Earnings Growth (YoY) 66.3%

Profit Margin 42.7%

Valuation Discount vs History -4.3% cheaper

PE vs Historical 13.2 vs 15.1 CHEAP

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -4.3% (market-implied from PE analysis)

1-Year Target $13.99 (-4%)

2-Year Target $13.39 (-8%)

3-Year Target $12.81 (-12%)

3-Yr Target (if PE normalizes) (PE: 13→15) $14.67 (+0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.2, Growth: 29.8%) $48.89 (+234%)

Base: (SPY PE: 13.2, Growth: 29.8%) $31.98 (+119%)

Bear: (PE: 11.2, Growth: 29.8%) $27.18 (+86%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (13x PE) as earnings recover.

Trailing PE: 20.30 | Current EPS (TTM): $0.74

Bull Case $24.74 (+69%)

Analyst growth 49.8%, PE expands to 22.3

Base Case $22.49 (+54%)

Market implied 49.8%, PE stable at 20.3

Bear Case $10.21 (-30%)

Severe decline -20.0%, PE contracts to 17.3

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 13.2 to 15.1

Stabilization Target: $16.73 (+14.5%)

PE Expansion Potential: +14.5%

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Last updated: September 13, 2026 6:21 PM ET
Data refreshes hourly during market hours. Next update: 7:21 PM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

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INSIDERS SELLING

Recent Transactions

Cristina Helena Zing Jun… SELL 300000 shares 2026-03-23

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