NU Nu Holdings (Class A)

XNYS Sideways Alert

· How we analyze

About the company

Nu Holdings runs the digital bank Nubank. Customers in Brazil, Mexico and Colombia open accounts via app and use credit cards, loans, insurance and investment products. As of Oct 13, 2026

Fact sheet (from the annual report) Other financial services · Sao Paulo, Sp, Brazil

Nu is a digital financial services company with operations in Brazil, Mexico and Colombia. At the end of 2025 most customers were in Brazil. The offering includes credit and prepaid cards, instant payments via Pix and personal and business accounts. In addition, there is a digital investment platform, loans and the distribution of insurance for mobile devices, life and home. Revenue comes, for example, from interest on loans, from card payment fees and from insurance commissions. Many customers came to the company through referrals from existing users.

Automatically summarized from SEC annual report (20-F, filed Apr 8, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026

What the methods say about Nu Holdings (Class A)

Calculated automatically by fixed rules – not investment advice, check for yourself. How we analyze

Price performance at a glance

Last 30 trading days
  • Today −1.5%
  • 7 days −17.8%
  • 30 days −8.8%
  • 1 year −22.5%
Day range (last trading day)
−0.2%Price at 5% of the range+4.8%
52-week range
−9.7%Price at 15% of the range+53.1%
Distance from the all-time high
−34.7%

Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

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Symbol on TradingView: NYSE:NU

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Fundamental analysis

Nu Holdings (Class A) · amounts in USD

Information only – does not affect our buy zones, not investment advice. Source: SEC filings, As of Apr 16, 2025.

In short

  • Light green: Revenue grew over 5 years (+79.8% per year).
  • Light green: Net margin 17.1%.
  • Light red: Profit in 2 of 6 fiscal years.

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 612.1M USD · Net income −92.5M USD · Net margin −15.1%
  2. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 737.1M USD · Net income −171.5M USD · Net margin −23.3%
  3. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 1.7B USD · Net income −165.0M USD · Net margin −9.7%
  4. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 4.8B USD · Net income −364.6M USD · Net margin −7.6%
  5. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 8.0B USD · Net income 1.0B USD · Net margin 12.8%
  6. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 11.5B USD · Net income 2.0B USD · Net margin 17.1%

Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 11.5B USD · Net income 2.0B USD · Net margin 17.1%

Key figures with traffic lights

Each light follows a simple, disclosed rule. This symbol has no sector assignment – lights with a sector comparison stay gray or use only the basic rule.

Revenue growth

Light green: growing

+79.8% per year, last 5 years

What does this mean? Revenue: over 5 years it grew by 79.8% per year on average. Comparable values for a sector comparison are missing.

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light gray: not computable

– per year, last 5 years

per share: −94.9% per year (5 years, split-adjusted)

What does this mean? There was a loss in the first or last year. An annual growth rate cannot be calculated meaningfully then.

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light green: Gain

17.1% last fiscal year

What does this mean? Of every 100 USD in revenue, 17.12 USD remained as profit. Comparable values for a sector comparison are missing.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light gray: no comparison

0.23 latest balance sheet

What does this mean? For every 1 USD of equity there is 0.23 USD of financial debt. Without a sector comparison this is hard to put into context.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light gray: none found

– Dividend / earnings per share

What does this mean? The loaded SEC filings of the last two fiscal years contain no dividend per share. Either the company pays none, or it reports it under a different tag.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light red: 4 loss years

2 of 6 fiscal years with a profit

What does this mean? In 2 of the last 6 fiscal years the bottom line showed a profit. 4 years ended with a loss.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
11.5B USD
Revenue vs. prior year
+43.4%
Net income (FY)
2.0B USD
Net income vs. prior year
+91.4%
EPS (FY)
0.40 USD
13F funds with a position
4 of 9
Funds vs. prior quarter
±0
Shares held vs. prior quarter
+2.6%
Fiscal year to Dec 31, 2024 · 20-F filed Apr 16, 2025 · Balance sheet Dec 31, 2024 (filed Apr 16, 2025) · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2024Dec 31, 2024 11.5B2.0B 17.1% 0.40 – –
2023Dec 31, 2023 8.0B1.0B 12.8% 0.21 – –
2022Dec 31, 2022 4.8B−364.6M −7.6% −0.08 – –
2021Dec 31, 2021 1.7B−165.0M −9.7% 1,602,126.00 – –
2020Dec 31, 2020 737.1M−171.5M −23.3% 1,315,578.00 – –
2019Dec 31, 2019 612.1M−92.5M −15.1% 1,137,931.00 – –

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $6.0M2 people −$6.0M
6 months $00 people $6.3M3 people −$6.3M
12 months $00 people $10.7M3 people −$10.7M

Latest transactions

  • Oct 5, 2026 Junqueira Cristina Helena Zingaretti Chief executive (CEO) Open-market sale · 10b5-1 plan 25,000 shares · $375.4K · SEC
  • Aug 25, 2026 Junqueira Cristina Helena Zingaretti Chief executive (CEO) Open-market sale · 10b5-1 plan 65,000 shares · $956.5K · SEC
  • Aug 24, 2026 Junqueira Cristina Helena Zingaretti Chief executive (CEO) Open-market sale · 10b5-1 plan 25,000 shares · $375.0K · SEC
  • Aug 14, 2026 Fragelli Henrique Camossa Saldanha Officer Open-market sale 221,707 shares · $3.5M · SEC
  • Aug 14, 2026 Junqueira Cristina Helena Zingaretti Chief executive (CEO) Open-market sale 50,000 shares · $790.0K · SEC
  • May 15, 2026 Sands Anita M Director Open-market sale 21,000 shares · $257.0K · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score -25

Price vs. EMA 50-15
Price vs. EMA 200-15
EMA 50 vs. EMA 200+20
ADX (trend strength)+0
Highs and lows+0
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)18.4
Rel. strength 60 d−15.0%

ATR and moving averages as price values only when logged in.

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