Nu (NU) Stock: Buy, Sell, or Hold?
NU - Nu Holdings Ltd.
$15.16
0.43 (2.92%)
â˛
5d:
+4.12%
30d:
+11.8%
90d:
+4.34%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Nov 12, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: NU is fairly priced but lacks strong directional signals. At -2.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: NU is fairly priced but lacks strong directional signals. At -2.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$31.89
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$19.80
23.4% 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 14.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $15.16, which is considered slightly high relative to its 30-day fair value range of $13.35 to $15.39. The stock's valuation (Forward PE: 13.7) is in line with its historical norms (14.8). Remarkably, the market is currently pricing in an annual earnings decline of 2.5% 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 $14.36, while resistance sits at $16.19.
Market Sentiment: NU scores 15/100 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 $18.92 (+24.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NU is in a uptrend. Immediate support is located at $14.36, while resistance sits at $16.19.
Market Sentiment: NU scores 15/100 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 $18.92 (+24.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$13.35 -
$15.39
Company Quality Score
37/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
42.9%
Protect Your Profits
Holding NU? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Weak technical setup (15/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.8% below Wall St target ($18.92)
- WARNING: Composite score 37/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$13.35 -
$15.39
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$14.36
Resistance Level
$16.19
Current Trend
Uptrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.70
Wall Street Target
$18.92
(+24.8%)
Revenue Growth (YoY)
52.1%
Earnings Growth (YoY)
66.3%
Profit Margin
42.7%
Valuation Discount vs History
-2.5% cheaper
PE vs Historical
13.7 vs 14.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.5%
(market-implied from PE analysis)
1-Year Target
$14.78
(-3%)
2-Year Target
$14.41
(-5%)
3-Year Target
$14.05
(-7%)
3-Yr Target (if PE normalizes)
(PE: 14â15)
$15.18
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 29.6%)
$47.88
(+216%)
Base:
(SPY PE: 13.7, Growth: 29.6%)
$33.04
(+118%)
Bear:
(PE: 11.6, Growth: 29.6%)
$28.08
(+85%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 20.18 | Current EPS (TTM): $0.73
Bull Case
$24.56
(+62%)
Analyst growth 51.6%, PE expands to 22.2
Base Case
$22.33
(+47%)
Market implied 51.6%, PE stable at 20.2
Bear Case
$10.02
(-34%)
Severe decline -20.0%, PE contracts to 17.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.7 to 14.8
Stabilization Target:
$16.37
(+8.0%)
PE Expansion Potential:
+8.0%
Share & Embed Analysis
Last updated: October 24, 2026 9:37 AM ET
Data refreshes hourly during market hours. Next update: 10:37 AM
Data refreshes hourly during market hours. Next update: 10:37 AM
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Technical Signals Check
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Insider Activity (6 Months)
0
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Sells
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Net
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