How to buy Nu Holdings stock (Nu Holdings)

Nu Holdings, parent of digital bank Nubank, set the final offering price for its IPO at $9 a share, top end of a recently reduced range. That raised about $2.6 billion and valued the company at about $41 billion.

The stock opened for trading Thursday morning at $11.25 per share and closed at $10.33. It moved back above $11 on Friday.

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Nu Holdings stock price (NYSE: NU)

Use our graph to track the performance of NU stocks over time.

Nu Holdings shares at a glance

• Key figures

Information last updated 2024-12-26.

Latest market close	$10.37
52-week range	$8.06 - $16.15
50-day moving average more info button	$13.50
200-day moving average more info button	$12.79
Wall St. target price	$15.54
PE ratio more info button	28.027
Dividend yield more info button	N/A
Earnings per share (TTM) more info button	$0.37

Is it a good time to buy Nu Holdings stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Nu Holdings price performance over time

Historical closes compared with the close of $10.37 from 2024-12-24

1 week (2024-12-19)	0.39%
1 month (2024-11-27)	-23.36%
3 months (2024-09-26)	-24.96%
6 months (2024-06-27)	-19.74%

1 year (2023-12-27)	24.49%
2 years (2022-12-27)	171.47%
3 years (2021-12-27)	6.47%
5 years (2019-12-23)	N/A

Is Nu Holdings stock undervalued or overvalued?

Valuing Nu Holdings stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Nu Holdings's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Nu Holdings's P/E ratio

Nu Holdings's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 28x. In other words, Nu Holdings shares trade at around 28x recent earnings.

That's comparable to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29).

However, Nu Holdings's P/E ratio is best considered in relation to those of others within the banks - regional industry or those of similar companies.

• Citigroup (C.US): 20.23
• Wells Fargo-and-Company (WFC.US): 14.88
• Bank of America (BAC.US): 16.08

Nu Holdings financials

Revenue TTM	$5.3 billion
Operating margin TTM	51.4%
Gross profit TTM	$1.8 billion
Return on assets TTM	4.22%
Return on equity TTM	26.31%
Profit margin	33.76%
Book value	$1.59
Market Capitalization more info button	$49.8 billion

TTM: trailing 12 months

Nu Holdings share dividends

We're not expecting Nu Holdings to pay a dividend over the next 12 months.

You may also wish to consider:

• Citigroup (C.US) (3.15% forward annual dividend yield)
• Wells Fargo-and-Company (WFC.US) (2.27% forward annual dividend yield)
• Bank of America (BAC.US) (2.35% forward annual dividend yield)

Nu Holdings share price volatility

Over the last 12 months, Nu Holdings's shares have ranged in value from as little as $8.06 up to $16.145. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Nu Holdings's is 1.135. This would suggest that Nu Holdings's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).

To put Nu Holdings's beta into context you can compare it against those of similar companies.

• Citigroup (C.US): 1.426
• Wells Fargo-and-Company (WFC.US): 1.136
• Bank of America (BAC.US): 1.325

Nu Holdings overview

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.

Frequently asked questions

What percentage of Nu Holdings is owned by insiders or institutions?
Currently 7.279% of Nu Holdings shares are held by insiders and 83.934% by institutions. When does the fiscal year end for Nu Holdings?
Nu Holdings's fiscal year ends in December. Where is Nu Holdings based?
Nu Holdings's address is: Rua Capote Valente, 39, São Paulo, SP, Brazil, 05409-000 What is Nu Holdings's ISIN number?
Nu Holdings's international securities identification number is: KYG6683N1034