Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
NU 
Nu Holdings Ltd (NU)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/06/2025: NU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 30.82% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/06/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 49.75B USD | Price to earnings Ratio 25.6 | 1Y Target Price 14.33 |
Price to earnings Ratio 25.6 | 1Y Target Price 14.33 | ||
Volume (30-day avg) 56847733 | Beta 1.15 | 52 Weeks Range 9.67 - 16.14 | Updated Date 04/1/2025 |
52 Weeks Range 9.67 - 16.14 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.4 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.77% | Operating Margin (TTM) 53.41% |
Management Effectiveness
Return on Assets (TTM) 4.23% | Return on Equity (TTM) 28.07% |
Valuation
Trailing PE 25.6 | Forward PE 18.52 | Enterprise Value 41210900480 | Price to Sales(TTM) 9.02 |
Enterprise Value 41210900480 | Price to Sales(TTM) 9.02 | ||
Enterprise Value to Revenue 5.74 | Enterprise Value to EBITDA - | Shares Outstanding 3755130112 | Shares Floating 3565518274 |
Shares Outstanding 3755130112 | Shares Floating 3565518274 | ||
Percent Insiders 5.96 | Percent Institutions 82.92 |
Analyst Ratings
Rating 3.65 | Target Price 15.19 | Buy 3 | Strong Buy 7 |
Buy 3 | Strong Buy 7 | ||
Hold 8 | Sell - | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Nu Holdings Ltd
Company Overview
History and Background
Nu Holdings Ltd. (Nubank) was founded in 2013 in Brazil by David Vu00e9lez, Cristina Junqueira, and Adam Edward Wible. It aimed to disrupt the highly concentrated and bureaucratic Brazilian banking system. Nubank launched its first product, a credit card, in 2014 and has since expanded to offer a range of financial services across Latin America.
Core Business Areas
- Banking Services: Offers digital banking accounts with features like instant transfers, bill payments, and high-yield savings options.
- Credit Cards: Provides credit cards with no annual fees and a fully digital management experience.
- Personal Loans: Offers unsecured personal loans with competitive interest rates and flexible repayment terms.
- Insurance: Offers life and accident insurance products through its digital platform.
- Investments: Provides investment products, including fixed income and equities, through its digital platform. Offer Crypto through Paxos also
Leadership and Structure
David Vu00e9lez is the founder and CEO. The company operates with a flat organizational structure, emphasizing autonomy and agility. The Board of Directors includes prominent figures from the technology and finance industries.
Top Products and Market Share
Key Offerings
- Credit Card: Nubank's flagship product, the credit card, has over 40 million users. It competes with traditional banks like Itau Unibanco (ITUB) and Banco Bradesco (BBD) in Brazil, as well as fintech companies like StoneCo (STNE). Market share for credit card is approximately 15% in Brazil
- Revenue: Credit Card is estimated to generate 40% of revenue for Nu Holdings Ltd.
- NuAccount (Digital Account): Offers a digital banking account with features like instant transfers, bill payments, and high-yield savings options. Competing with Pix, PagBank, PicPay and Mercado Pago. Over 70 Million users across Latin America
- Revenue: Digital banking products account for an estimated 30% of revenue.
- Personal Loans: Provides unsecured personal loans with competitive interest rates and flexible repayment terms. Competitors include traditional banks like Banco do Brasil (BDORY) and Caixa Economica Federal. Over 5 Million Users
- Revenue: Personal Loans account for an estimated 20% of revenue
Market Dynamics
Industry Overview
The fintech industry in Latin America is experiencing rapid growth, driven by increasing smartphone penetration, internet access, and a large unbanked population. The market is becoming increasingly competitive, with new fintech startups and traditional banks vying for market share.
Positioning
Nubank is positioned as a disruptive player in the Latin American financial services industry. Its competitive advantages include its digital-first approach, lower operating costs, and focus on customer experience.
Total Addressable Market (TAM)
The TAM for financial services in Latin America is estimated to be several hundred billion USD. Nubank is well-positioned to capture a significant portion of this market, given its strong brand recognition and expanding product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large and growing customer base
- Digital-first approach
- Lower operating costs compared to traditional banks
- Strong technology platform
- User Experience focused
Weaknesses
- Relatively new company with limited operating history
- Concentration of operations in Latin America
- Dependence on technology infrastructure
- Profitability is still evolving
Opportunities
- Expansion into new markets in Latin America
- Development of new financial products and services
- Increased adoption of digital banking
- Partnerships with other companies
- Further expansion of its lending products
Threats
- Increased competition from traditional banks and fintech companies
- Regulatory changes
- Economic instability in Latin America
- Cybersecurity risks
- Changes in consumer preferences
Competitors and Market Share
Key Competitors
- ITUB
- BBD
- STNE
- MELI
- XP
Competitive Landscape
Nubank's advantages include its digital-first approach, lower operating costs, and focus on customer experience. However, traditional banks have larger customer bases and more established brands. Fintech companies are also competing for market share.
Major Acquisitions
Olivia AI
- Year: 2019
- Acquisition Price (USD millions): 3
- Strategic Rationale: Accelerate artificial intelligence initiatives with a focus on personalized financial guidance.
Easynvest
- Year: 2020
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expansion of investment platform offering.
Growth Trajectory and Initiatives
Historical Growth: Nubank has experienced rapid growth in recent years, driven by its innovative products and services and its focus on customer experience. Growth rates have exceeded those of traditional banks in Latin America.
Future Projections: Analysts project continued strong growth for Nubank, driven by its expansion into new markets and its development of new products and services. However, competition and regulatory changes could impact future growth rates.
Recent Initiatives: Recent strategic initiatives include expansion into Colombia and Mexico, the launch of new investment products, and partnerships with other technology companies.
Summary
Nu Holdings is a rapidly growing fintech company disrupting the Latin American financial services industry. Its digital-first approach and focus on customer experience have enabled it to gain significant market share. However, it faces increasing competition and regulatory challenges. Strong growth is expected in coming years, but management of risks associated with operating in Latin America is very important.
Similar Companies
- SQ
- PYPL
- MELI
- UPST
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Earnings Call Transcripts
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The information provided is based on publicly available data and analyst estimates, which are subject to change. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Nu Holdings Ltd
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2021-12-09 | Founder, Chairman & CEO Mr. David Velez-Osomo | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.nubank.com.br |
Full time employees - | Website https://www.nubank.com.br | ||
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, Cayman Islands, Germany, Argentina, the United States, and Uruguay. It offers spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Ultraviolet credit and prepaid card, a premium metal credit card for affluent customers; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated mall that enables customers to purchase goods and services from various ecommerce retailers. The company also provides savings solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business prepaid and credit card; and Nu business accounts for entrepreneur customers and their businesses. In addition, it offers investing solutions, including Money Boxes for goal-based investing; Nucoin, a proprietary utility token for its loyalty program; NuInvest, which provides equity, fixed-income, stock options, ETF products, and multimarket funds; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising Personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments using their credit line; purchase financing; and NuPay to make online purchases and pay for services through Nubank app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies. The company was founded in 2013 and is headquartered in São Paulo, Brazil.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.