NU Nu Holdings (Class A)

XNYS Sideways Position vs. buy zone 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

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.

Where is the price relative to the buy zone?

Below the buy zone

  1. Still far away
  2. Close
  3. In the buy zone
  4. Below

The price has fallen below the buy zone. It stays valid until a close below the start of the rise ends it.

As of: Close of the 4-hour candle Oct 27, 2026, 18:30 · Buy zone in the trade plan · An observation, not investment advice

Rule (4-hour candles) Already existing when added to the recording (added on Oct 19, 2026) · Setup confirmed on Oct 14, 2026 · last changed on Oct 26, 2026

Watcher Full history: every change of the buy zone with its date.

Automated analysis (rule-based)

How we analyze

Timeframe 4 hours · As of Oct 27, 2026

Elliott wave analysis Nu Holdings (Class A) (4-hour candles): wave 2 retracing, buy zone 61.8–78.6% of the advance, invalid below the start of wave 1. Elliott count: Flat (type known only after C), Corrective pattern (downward), C in progress (3 of 3 guidelines) (smaller wave degree). Candlestick chart NU with 85 4-hour candles from Aug 27, 2026, 19:30 to Oct 27, 2026, 18:30. Price has fallen below the buy zone. Rule setup: start on Sep 30, 2026, 15:30, high on Oct 12, 2026, 15:30, pullback low on Oct 26, 2026, 14:30. All values as the distance from the top of the buy zone. Buy zone (61.8 to 78.6%) 0 to −5.0% (targets and stop for this zone from Watcher), invalid on a close below the start (−11.3%). Elliott count: Flat (type known only after C), Corrective pattern (downward), C in progress (3 of 3 guidelines) (B = 109% of A; C = 122% of A), invalid on a close above +18.3%. smaller wave degree: Smaller wave degree: more sensitive turning-point detection, because no count fits at the usual degree – it describes shorter swings. Provisional – check the count yourself on the chart. Rule setup on 4-hour candles – the rule evaluates NU on this timeframe. Automated analysis (rule-based), not investment advice. NU · 4-hour candles · Automated analysis (rule-based) Price has fallen below the buy zone Smaller wave degree: more sensitive turning points – check the count yourself on the chart Start High Pullback low 61.80% (0%) 78.60% (−5.0%) invalid (−11.3%) invalid on a close above +18.3% 0 A B C in progress (i) (ii) (iii) −15% −10% −5% 0% +5% +10% +15% Sep 1 Sep 10 Sep 18 Sep 28 Oct 6 Oct 14 Oct 22 last candle Oct 27, 2026, 18:30 · not investment advice Axis and values in brackets: distance from the top of the buy zone in %
  • 4-hour candles (green = close above open, red = below)
  • Rule setup (blue line start → high → pullback low)
  • Buy zone (0.618–0.786) 0 to −5.0%
  • Setup void on a close below the start (level 1 = 100%)
  • Watcher Target 1, Target 2 and stop for this zone from Watcher
  • Elliott count (thin gold line, waves in circles; dashed circle = still in progress; small = subwaves; red dashed = invalidation level)
  • Dashed throughout with a label: fallback count (smaller wave degree) – provisional, check it yourself on the chart

Elliott count: Flat (type known only after C), Corrective pattern (downward), C in progress (3 of 3 guidelines) · B = 109% of A; C = 122% of A

smaller wave degree Smaller wave degree: more sensitive turning-point detection, because no count fits at the usual degree – it describes shorter swings. Provisional – check the count yourself on the chart.

Comparison: The rule treats the last rise as the possible start of an upward impulse (without checking its history and structure). The Elliott count reads it as countermove B in a correction.

Note: Flat type (regular, expanded, running) can only be decided once C is complete.

Note: Structure ambiguous: leg A can also be read as three- or five-part.

Note: Retracement at least 88.7% of A: flat possible (B in progress, type only with C).

Note: Also possible but very rare (not drawn): Triangle (expanding) (e in progress).

Elliott count calculated automatically by fixed Elliott rules, not investment advice – display only, our buy zones do not use it. Provisional: The count can change with new candles.

How to draw it yourself
  1. Load the TradingView chart and choose the timeframe 4 hours (4-hour candles) – the buttons above the chart switch it as well.
  2. In the drawing toolbar on the left, choose the Fib Retracement tool (group with the horizontal lines).
  3. Click on the start of wave 1 (low of Sep 30, 2026 15:30) and drag to the high of Oct 12, 2026 15:30.
  4. The buy zone lies between the lines 0.618 and 0.786 (0 to −5.0%); line 1 is the start of wave 1 – if the price closes below it, the setup is void. The rule is only triggered by a candle close above the last swing high .
  5. Watcher Stop, Target 1 and Target 2 of this zone – and how to draw them – are available from Watcher.

On phones the drawing toolbar is hidden – drawing works better on a desktop.

Scenarios

Timeframe 4 hours · As of Oct 27, 2026 · from the Elliott count in the analysis chart

Weighting Main scenario (3 of 3 guidelines, strong) · no alternative

Weighting by guidelines met – not a probability.

smaller wave degree Smaller wave degree: more sensitive turning-point detection, because no count fits at the usual degree – it describes shorter swings. Provisional – check the count yourself on the chart.

Main scenario

strong · 3 of 3 guidelines

As long as the 4-hour close stays below the end of B, this applies: flat countermove downward in three waves (Flat, type known only after C), C in progress – count points to falling prices.

Invalid if the 4-hour close is above the end of B (+18.3% from the top of the zone)

Alternative

If that breaks, this count no longer applies. Currently no alternative that follows the rules.

The price ran through the buy zone (0 to −5.0% from its top) and last closed below it. Rule trigger: after the touch a swing high forms, and a daily close is above it. If the price closes below the start of wave 1 (−11.3%), the setup is void. All percentages: distance from the top of the buy zone.

In the TradingView chart: Draw the buy zone in the chart with the Fibonacci tool (instructions next to the wave chart) or as two horizontal lines (tool “Horizontal Line”). If the price closes below the start of wave 1 (−11.3%), the setup is void – without an entry of the rule.

Trade plan of the rule

Exit with a gain

Buy zone – Rule trigger: candle close above the swing high

  • Buy zone (Fibonacci 61.8–78.6%) Top = reference point of the percentages 0 to −5.0%

Exit at a loss

Watcher Target 1, Target 2 and stop for this zone – with distance in percent and reward/risk – are available from Watcher. Plans and pricing Percentages from the top of the buy zone (61.8%) – not a forecast.

Rule-based, long only, 4-hour candles. Not a forecast and not investment advice. Lesson: the buy zone in 4 minutes

Save zone

With a free account: save the buy zone shown for yourself (stop and targets from Watcher). It stays visible even if the zone changes later. Log in · Sign up

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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Set alert: NU

Alerts with a free account: we send you an email as soon as the price moves above or below your level, reaches the buy zone or the buy zone becomes invalid.

Checked after every data update: crypto hourly (buy zones every 4 hours), stocks twice a day, precious metals every 4 hours on trading days, extended universe weekly – not in real time.

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