Nubank is a Brazilian financial technology firm that offers digital banking services in Brazil, Mexico, and Colombia. Founded in 2013, it is best known for its credit cards and online savings accounts. However, Nubank has expanded its offerings to cover consumer loans, insurance, investments, and cryptocurrency through its mobile app. Thanks to its success in disrupting Brazil's concentrated and fee-heavy banking sector, the company now serves over 100 million customers across its three core markets. Brazil provides more than 90% of its revenue.
The chart shows the growth of an initial investment of $10,000 in Nu Holdings Ltd., comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Nu Holdings Ltd. (NU) has returned -17.06% so far this year and 54.81% over the past 12 months. Looking at the last ten years, NU has achieved an annualized return of 2.32%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of Nu Holdings Ltd. (NU) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.04% | -15.56% | -0.62% | -3.02% | ||||||||
| 2025 | 27.68% | -16.80% | -6.91% | 20.68% | -3.92% | 13.76% | -11.00% | 21.31% | 9.81% | 0.37% | 7.41% | -3.96% |
| 2024 | 4.11% | 25.48% | 6.61% | -9.50% | 9.70% | 8.46% | -6.11% | 24.03% | -7.39% | 10.15% | -16.74% | -14.59% |
| 2023 | 18.77% | 8.39% | -4.61% | 11.21% | 29.87% | 18.65% | 0.38% | -12.52% | 3.57% | 13.26% | -0.97% | 2.33% |
| 2022 | -22.71% | 2.14% | 0.39% | -23.34% | -36.71% | -2.60% | 13.48% | 18.64% | -9.84% | 9.17% | -12.57% | -7.92% |
| 2021 | -16.62% |
The charts below present risk-adjusted performance metrics for Nu Holdings Ltd. (NU) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of NU compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current Nu Holdings Ltd. volatility is 2.58%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|
| Liabilities And Equity (USD) | 29.78B | 27.80B | 28.30B | 15.65B |
| Temporary Equity (USD) | 155.57M | - | - | - |
| Equity Attributable To Parent (USD) | 9.98B | 9.61B | 9.24B | 4.01B |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | 2.96M |
| Equity (USD) | 9.98B | 9.61B | 9.24B | 4.02B |
| Redeemable Noncontrolling Interest, Preferred (USD) | 155.57M | - | - | - |
| Redeemable Noncontrolling Interest (USD) | 155.57M | - | - | - |
| Noncurrent Liabilities (USD) | 7.91B | 6.98B | 7.98B | 4.84B |
| Other Current Liabilities (USD) | 2.27B | 2.53B | 2.88B | 1.31B |
| Accounts Payable (USD) | 868.23M | 742.25M | 764.35M | 633.28M |
| Current Liabilities (USD) | 3.13B | 3.28B | 3.64B | 1.95B |
| Liabilities (USD) | 19.80B | 18.18B | 19.07B | 11.63B |
| Fixed Assets (USD) | 18.65B | 17.58B | 16.61B | 10.40B |
| Noncurrent Assets (USD) | 8.44B | 8.13B | 9.47B | 3.89B |
| Current Assets (USD) | 2.69B | 2.09B | 2.23B | 1.36B |
| Assets (USD) | 29.78B | 27.80B | 28.30B | 15.65B |
Nu Holdings, a Latin American digital banking leader, has seen its stock decline 24% over 8 weeks from a peak of $18.76. Despite the short-term pullback, the company demonstrates strong fundamentals with 45% revenue growth to $16.3 billion in 2025, 51% net income growth, and expanding customer base to 131 million. Trading at a forward P/E of 17.8 (cheaper than S&P 500), analysts project 36% annual EPS growth through 2028, suggesting the stock could realistically double within three years.
Circle Internet Group (CRCL) plummeted 20.1% on March 24, 2026, following reports of draft legislation that could restrict stablecoin yields. The company, a major issuer of USD Coin (USDC), relies heavily on yield revenues from reserve funds. While investor concern is understandable, the impact remains uncertain as the legislation is still in draft form. Broader markets declined modestly, with the S&P 500 down 0.37% and Nasdaq down 0.84%.
The article highlights five growth stocks considered undervalued: UiPath and Rubrik recently delivered earnings reports, while Nu Holdings, Sea Limited, and DLocal are trading well below their perceived potential, presenting buying opportunities for investors.
Nu Holdings stock fell 15.6% in February following earnings release due to investor concerns about its uncertain U.S. expansion strategy and macroeconomic headwinds affecting core markets. Despite solid Q4 2025 results showing 45% revenue growth and 131 million customers, the stock now trades at a P/E of 25. Analysts view the dip as a buying opportunity for long-term investors given the company's strong growth runway.
Ten large-cap stocks experienced significant declines during the week of February 23-27, 2026. Notable losers include First Solar (down 18.59% due to worse-than-expected Q4 results and below-estimate FY26 guidance), Zoom Communications (down 17.38% following mixed Q4 results and weak forward guidance), and Novo Nordisk (down 6.59% after announcing Chinese trial results and potential price cuts for Ozempic and Wegovy). Other major decliners include Donaldson, TopBuild, Corebridge Financial, Nu Holdings, KKR, Korea Electric Power, and Pure Storage.
Nu Holdings has demonstrated strong growth and profitability in 2025, but faces a critical test: whether it can maintain credit discipline and asset quality during an economic downturn. The company's premium valuation (P/E of 31) reflects growth expectations, but a credit cycle downturn could compress earnings quickly. Investors are watching to see if Nu can transition from a high-growth fintech disruptor to a resilient regional banking leader that can preserve margins and protect capital during stress.
Nu Holdings reported strong Q4 earnings with 45% revenue growth and 50% net income growth, but shares fell 13% this week due to investor concerns about 2026 being an 'inflection point.' The company's expansion into new markets like the U.S., regulatory risks, and integration of AI-powered underwriting models introduce uncertainty despite solid fundamentals and reasonable valuation at 17x forward earnings.
While Nu Holdings has delivered strong returns with 60% gains last year, analyst James Brumley argues that SoFi Technologies presents a better buying opportunity at current valuations. SoFi shares have fallen 40% from their November peak due to underwhelming guidance and share dilution, but the company maintains strong fundamentals with 37% year-over-year revenue growth and analyst price targets suggesting 40% upside potential.
Nu Holdings, a leading Latin American fintech company with 127 million users, has tripled S&P 500 returns over three years. The company dominates Brazil with over 60% adult penetration and is expanding its Money Platform strategy across Latin America and potentially globally, similar to Netflix's international expansion model, though regulatory constraints will slow the rollout.
Brett Schafer recommends Nu Holdings and SoFi Technologies as top financial stocks to buy. Nu Holdings has grown to 106 million active users with 2,000% revenue growth over five years, while SoFi continues to impress with 37% revenue growth and rapidly increasing membership. Both trade at premium valuations but are expected to see declining P/E ratios as they scale.
