Nu Holdings

NU

Market cap $72.6B

Credit discipline matters more than growth. Emerging-market volatility is real.

The fintech upstart delivered record revenue, rising net income, and solid ROE. Nu is becoming a multiproduct banking platform, not just a digital credit card provider.

Nu grew sales and net income by 45% and 50% in Q4. Active customers and average revenue per user also rose by 15% and 27%, respectively.

NU's rapid revenue growth, expanding credit portfolio and AI-first ambition could give it the upper hand over rival fintech players right now.

Cathie Wood bought shares of Amazon, Baidu, and Nu Holdings on Thursday. Amazon, Baidu, and Nu moved 1%, 6%, and 10% lower on the day.

When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?

Expand NYSE: NU Nu Holdings Today's Change (-9.34%) $-1.55 Current Price $15.10 Key Data Points Market Cap $81B Day's Range $15.06 - $15.94 52wk Range $9.01 - $18.98 Volume 6.6M Avg Vol 44M Nu Holdings (NU 9.34%), a digital banking provider in Latin America, closed Thursday at $15.06, down 9.55%. The stock moved lower as investors reacted to Q4 and full-year 2025 results, focusing on cost structure, credit-risk trends, and margin signals while reassessing near-term valuation.

Nu Holdings closed out 2025 with its strongest quarterly performance yet, posting $4.857 billion in Q4 revenue, up 62.5% year-over-year, while net income surged 62% to $894.8 million.

Brazil's Nubank saw profits jump 50% as it expanded its Latin American customer base. The digital bank, which operates in Brazil, Mexico and Colombia and plans to enter the U.S., reported quarterly earnings Wednesday (Feb. 25) showing its customer base had grown 15% to 131 million people.

Nu Holdings continues to demonstrate exceptional growth with robust financial metrics and strategic international expansions. Recent approvals for U.S. and Brazilian banking licenses position the company for accelerated international growth. With a forward P/E of around 19 and projected 31% revenue growth in 2026, NU remains an attractive buy despite recent valuation concerns.