A research filter, not a predictor — not financial advice. Grades rank growth stocks on evidence-based quality signals from end-of-day data; they are not buy/sell calls or price forecasts. Always do your own research.

Nu Holdings Ltd. NU

Promising (early) Fintech sector · Nubank — Latin America's leading digital bank, adding tens of millions of customers a year.

▲ Upgraded Weak → Mixed on 2026-08-26.

🗓 Reports earnings in 37 days (2026-11-12) — calendar context, not a prediction.

Nu Holdings Ltd. (NU) is a Fintech company, graded Promising (early) on FrontierLab's evidence-based quality rubric (data as of 2026-10-05). Revenue grew 53.2% year-over-year at a 44% gross margin. Gross-profits-to-assets is 0.1; Rule of 40 is 75.8. Net share issuance 0.1% YoY (flat share count). 1 risk flag is noted below. Analyst mix: 22 buy / 3 hold / 1 sell. Track record: 27% of Early-stage-graded names beat the S&P over 63 sessions (95% CI 15–44%, N=33). Median excess vs the S&P was -14.6%.

These sentences are generated from the day's data by deterministic templates.

Key quality signals

Revenue growth (YoY)	53.2%
Gross margin	44%
Gross profits / assets	0.1
Rule of 40	75.8
Net margin	22.6%
Cash runway (months)	93.4
PEG	0.3
Price / sales	3.4

Quality checklist

Each line is one quality test behind the grade — ✓ passed · ~ borderline · ✗ failed. Hover a metric in the tables below for what it means.

✓ Revenue growth — 53.2% (pass ≥ 20%)
✓ Capital efficiency
~ Gross margin — 44% (pass ≥ 45% · Fintech)
~ Gross-margin trend — -0.7 (pass ≥ 2)
✓ Share dilution — 0.1%
~ Competitive moat — Narrow
✓ Market size (TAM) — Large

Grade history

2026-09-15 — Promising (early) (from Mixed)
2026-08-26 — Mixed (from Weak)
2026-08-14 — Weak (from Mixed)
2026-06-10 — Mixed (first graded)

Every grade change since FrontierLab began tracking this name — the receipts behind the current grade.

How have Early-stage-graded names performed?

The forward returns of all Early-stage-graded names since each grade was recorded — the bucket this name currently sits in, not a forecast of this individual stock.

Window	Forward record vs the S&P	Median
~1 month	45% of Early-stage-graded names beat the S&P over 21 sessions (95% CI 29–62%, N=31).	Median excess vs the S&P was -3.2%.
~3 months	27% of Early-stage-graded names beat the S&P over 63 sessions (95% CI 15–44%, N=33).	Median excess vs the S&P was -14.6%.
~6 months	building — 46 more sessions needed

How have this name's flags scored?

Flag	N	Mean excess vs S&P
Hyper-expansion — assets up ~32% in a year; aggressive expanders have historically lagged.	sample still too small to report (need ≥ 8)

These per-flag figures are observational — a flag firing is not a randomized assignment, so any edge can reflect what kind of names trip a flag, not the flag itself. Descriptive, not causal.

Scope: these are forward returns vs the S&P among names still covered at each horizon's end, within the curated universe — not a survivorship-clean whole-market backtest. Names later dropped from coverage are counted as attrition (not hidden), and single-session moves beyond ±300% are treated as split/data artifacts and excluded. How this is measured → · Full track record →

How it compares

Revenue growth: about mid-pack vs peers across all sectors (N=22)

Coarse same-sector, same-stage context — not a percentile or rank. GP/A is graded on its absolute level, not position.

Fundamentals

Market cap	$65.04B
Stage	Early
Share issuance (YoY)	0.1% · flat share count
Moat	Narrow
TAM	LARGE
P/E (trailing)	18.1
EPS (trailing)	$0.74
Burn multiple	0.2
Gross-margin trend (pts)	-0.7
Cash / assets	0.4
Accruals (%)	10.8%
Net debt / EBITDA	5
Statements as of	Q2 FY2026 · filed 2026-08-13

Momentum context — describes the past, not a signal

52-week range

$11.2$18.98

Low reached Jun 8, 2026 · high reached Jan 28, 2026 — by daily close.

Price	$13.43 (as of 2026-10-02)
Last session move	—
% off 52-wk high	-29.2%
RSI (14)	45
Relative volume	1×

Risk flags

Hyper-expansion — assets up ~32% in a year; aggressive expanders have historically lagged.

Positive signals

Growth accelerating — revenue growth sped up ~25 points year-on-year; acceleration is an early fundamental tell (annual data, so it's coarse).

Insider activity (90 days)

Cluster buyers	0
Sellers	2

Insider selling is routine diversification, not a bearish signal.

Analyst mix

Strong buy	5
Buy	17
Hold	3
Sell	1
Strong sell	0

Ratings are context, not a price target. "Momentum" = how the mix changed over recent weeks, not a forecast.

From the headlines

NU stock surges 9% overnight; Goldman Sachs predicts upside in stock.

AI take — daily, AI-generated

AI leans positive

Exceptional 53.2% growth, strong PEG of 0.3, flat dilution, and 93-month runway suggest a genuinely early-stage high-growth fintech with improving unit economics; Goldman backing and overnight surge reflect real momentum.

Generated by an AI model from the day's news — an opinion for context only. Not financial advice, not a recommendation, and not a price target.

Similar Fintech names

Block, Inc.PayPal Holdings, Inc.Coinbase Global, Inc.Affirm Holdings, Inc.SoFi Technologies, Inc.

← All Fintech names · Open NU in the interactive screener →

Data as of 2026-10-05 08:19 (end-of-day). How grades are computed →