NU Stock Analysis: Buy, Sell, or Hold?
NU - Nu Holdings Ltd.
$13.87
0.20 (1.43%)
▲
5d:
+1.87%
30d:
+14.68%
90d:
-7.26%
BUY
MODERATE Confidence
Analysis Updated: Jul 14, 2026 12:00 AM ET
Earnings: Aug 13, 2026
29d
Smart Money Distribution
None View Scanner →
Strength: 9.0/10
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1 traders called NU this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NU shows positive signals but monitor for confirmation. Market pricing in 6.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: NU shows positive signals but monitor for confirmation. Market pricing in 6.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.61
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$20.25
31.5% 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 15.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $13.87, which is considered extended relative to its 30-day fair value range of $12.17 to $13.61. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.7) compared to its historical average (15.5). Remarkably, the market is currently pricing in an annual earnings decline of 6.5% 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 downtrend. Immediate support is located at $12.94, while resistance sits at $14.38.
Market Sentiment: NU has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $17.91 (+31.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NU is in a downtrend. Immediate support is located at $12.94, while resistance sits at $14.38.
Market Sentiment: NU has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $17.91 (+31.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$12.17 -
$13.61
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.0% below Wall St target ($17.91)
Trading Range Analysis
30-Day Trading Range
$12.17 -
$13.61
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$12.94
Resistance Level
$14.38
Current Trend
Downtrend
Technical data as of
Jul 14, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.65
Wall Street Target
$17.91
(+31.0%)
Revenue Growth (YoY)
43.7%
Earnings Growth (YoY)
55.9%
Profit Margin
41.9%
Valuation Discount vs History
-6.5% cheaper
PE vs Historical
12.7 vs 15.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.5%
(market-implied from PE analysis)
1-Year Target
$12.78
(-7%)
2-Year Target
$11.95
(-13%)
3-Year Target
$11.17
(-18%)
3-Yr Target (if PE normalizes)
(PE: 13→16)
$13.69
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 31.9%)
$54.00
(+295%)
Base:
(SPY PE: 12.7, Growth: 31.9%)
$31.37
(+130%)
Bear:
(PE: 10.8, Growth: 31.9%)
$26.67
(+95%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 21.17 | Current EPS (TTM): $0.65
Bull Case
$25.16
(+84%)
Analyst growth 66.2%, PE expands to 23.3
Base Case
$22.87
(+67%)
Market implied 66.2%, PE stable at 21.2
Bear Case
$9.36
(-32%)
Severe decline -20.0%, PE contracts to 18.0
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 12.7 to 15.5
Stabilization Target:
$16.74
(+22.5%)
PE Expansion Potential:
+22.5%
Share & Embed Analysis
Last updated: July 14, 2026 2:27 PM ET
Data refreshes hourly during market hours. Next update: 3:27 PM
Data refreshes hourly during market hours. Next update: 3:27 PM
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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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