NU Stock Analysis: Buy, Sell, or Hold?
NU - Nu Holdings Ltd.
$11.64
-0.29 (-2.43%)
▼
5d:
-10.67%
30d:
-17.8%
90d:
-22.4%
WAIT
LOW Confidence
Analysis Updated: Jun 3, 2026 12:00 AM ET
Earnings: Aug 13, 2026
Smart Money Accumulation
None View Scanner →
Strength: 10.0/10
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3 traders called NU this week
75% bullish • 1 bearish
75% bullish • 1 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: NU is down 10.7% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: NU is down 10.7% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$34.77
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$21.59
46.1% 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 16.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NU is currently trading at $11.64, which is considered oversold relative to its 30-day fair value range of $12.47 to $14.18. From a valuation perspective, the stock is trading at a discount (Forward PE: 10.6) compared to its historical average (16.2). Remarkably, the market is currently pricing in an annual earnings decline of 13.4% 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 $11.20, while resistance sits at $13.30.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $19.39 (+66.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NU is in a strong downtrend. Immediate support is located at $11.20, while resistance sits at $13.30.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $19.39 (+66.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$12.47 -
$14.18
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
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
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 66.5% below Wall St target ($19.39)
- WARNING: Recommendation downgraded due to -10.7% 5-day decline - wait for stabilization
Trading Range Analysis
30-Day Trading Range
$12.47 -
$14.18
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$11.20
Resistance Level
$13.30
Current Trend
Strong Downtrend
Technical data as of
Jun 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.56
Wall Street Target
$19.39
(+66.5%)
Revenue Growth (YoY)
43.7%
Earnings Growth (YoY)
55.9%
Profit Margin
41.9%
Valuation Discount vs History
-13.4% cheaper
PE vs Historical
10.6 vs 16.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-13.4%
(market-implied from PE analysis)
1-Year Target
$10.48
(-10%)
2-Year Target
$9.43
(-19%)
3-Year Target
$8.49
(-27%)
3-Yr Target (if PE normalizes)
(PE: 11→16)
$13.02
(+12%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 32.0%)
$55.58
(+378%)
Base:
(SPY PE: 10.6, Growth: 32.0%)
$26.79
(+130%)
Bear:
(PE: 9.0, Growth: 32.0%)
$22.77
(+96%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 20.28 | Current EPS (TTM): $0.65
Bull Case
$24.60
(+89%)
Analyst growth 69.6%, PE expands to 22.3
Base Case
$22.36
(+71%)
Market implied 69.6%, PE stable at 20.3
Bear Case
$8.97
(-31%)
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.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.6 to 16.2
Stabilization Target:
$17.86
(+53.4%)
PE Expansion Potential:
+53.4%
Share & Embed Analysis
Last updated: June 04, 2026 1:36 AM ET
Data refreshes hourly during market hours. Next update: 2:36 AM
Data refreshes hourly during market hours. Next update: 2:36 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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