NU Stock Analysis: Buy, Sell, or Hold?
NU - Nu Holdings Ltd.
$12.71
-0.18 (-1.40%)
▼
5d:
+5.13%
30d:
+3.42%
90d:
-10.24%
BUY
HIGH Confidence
Analysis Updated: Jun 18, 2026 12:00 AM ET
Earnings: Aug 13, 2026
Smart Money Distribution
None View Scanner →
Strength: 9.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: NU appears deeply undervalued. Market expects -9.5% annual earnings decline despite 56% recent earnings growth. Contrarian opportunity at discount to historical valuation.
✅ BUY SIGNAL: NU appears deeply undervalued. Market expects -9.5% annual earnings decline despite 56% recent earnings growth. Contrarian opportunity at discount to historical valuation.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.27
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$20.66
38.5% 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 15.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $12.71, which is considered fair relative to its 30-day fair value range of $12.00 to $13.07. From a valuation perspective, the stock is trading at a discount (Forward PE: 11.8) compared to its historical average (15.8). Remarkably, the market is currently pricing in an annual earnings decline of 9.5% over the next few years. This pessimistic expectation contrasts with the company's recent 55.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NU is in a strong downtrend. Immediate support is located at $11.51, while resistance sits at $13.52.
Market Sentiment: NU has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $18.05 (+42.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NU is in a strong downtrend. Immediate support is located at $11.51, while resistance sits at $13.52.
Market Sentiment: NU has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $18.05 (+42.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$12.00 -
$13.07
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 42.0% below Wall St target ($18.05)
Trading Range Analysis
30-Day Trading Range
$12.00 -
$13.07
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$11.51
Resistance Level
$13.52
Current Trend
Strong Downtrend
Technical data as of
Jun 18, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.75
Wall Street Target
$18.05
(+42.0%)
Revenue Growth (YoY)
43.7%
Earnings Growth (YoY)
55.9%
Profit Margin
41.9%
Valuation Discount vs History
-9.5% cheaper
PE vs Historical
11.8 vs 15.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-9.5%
(market-implied from PE analysis)
1-Year Target
$11.50
(-10%)
2-Year Target
$10.41
(-18%)
3-Year Target
$9.42
(-26%)
3-Yr Target (if PE normalizes)
(PE: 12→16)
$12.66
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 31.7%)
$53.86
(+324%)
Base:
(SPY PE: 11.8, Growth: 31.7%)
$29.07
(+129%)
Bear:
(PE: 10.0, Growth: 31.7%)
$24.71
(+94%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 19.87 | Current EPS (TTM): $0.65
Bull Case
$23.64
(+86%)
Analyst growth 66.4%, PE expands to 21.9
Base Case
$21.49
(+69%)
Market implied 66.4%, PE stable at 19.9
Bear Case
$8.78
(-31%)
Severe decline -20.0%, PE contracts to 16.9
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 11.8 to 15.8
Stabilization Target:
$17.09
(+34.4%)
PE Expansion Potential:
+34.4%
Share & Embed Analysis
Last updated: June 19, 2026 8:08 AM ET
Data refreshes hourly during market hours. Next update: 9:08 AM
Data refreshes hourly during market hours. Next update: 9:08 AM
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Technical Signals Check
Is NU showing a specific setup today?
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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