Nu Holdings Ltd. NU
Weak Fintech sector · Nubank — Latin America's leading digital bank, adding tens of millions of customers a year.
▼ Downgraded Mixed → Weak on 2026-08-14.
🗓 Reports earnings in 82 days (2026-11-12) — calendar context, not a prediction.
Nu Holdings Ltd. (NU) is an established Fintech company, graded Weak on FrontierLab's evidence-based quality rubric (data as of 2026-08-21). Revenue grew 29.2% year-over-year at a 52.1% gross margin. Gross-profits-to-assets is 0.1; Rule of 40 is 57.9. Net share issuance 0.1% YoY (flat share count). 2 risk flags are noted below. Analyst mix: 22 buy / 3 hold / 1 sell.
These sentences are generated from the day's data by deterministic templates.
Key quality signals
| Revenue growth (YoY) | 29.2% |
|---|---|
| Gross margin | 52.1% |
| Gross profits / assets | 0.1 |
| Rule of 40 | 57.9 |
| Net margin | 28.7% |
| Cash runway (months) | 0 |
| PEG | 0.3 |
| Price / sales | 4.2 |
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 — 29.2% (pass ≥ 20%)
- ✗ Gross profits / assets — 0.1 (pass ≥ 0.33)
- · Rule of 40 — 57.9 (context — graded for software only)
- ✓ Gross margin — 52.1% (pass ≥ 45% · Fintech)
- ✗ Cash generation
- ✓ Share dilution — 0.1%
- ~ Competitive moat — Narrow
- ✓ Market size (TAM) — Large
Grade history
- 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 Weak-graded names performed?
The forward returns of all Weak-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 | 60% of Weak-graded names beat the S&P over 21 sessions (95% CI 39–78%, N=20). | Median excess vs the S&P was +0.6%. |
| ~3 months | building — 13 more sessions needed | |
| ~6 months | building — 76 more sessions needed | |
How have this name's flags scored?
| Flag | N | Mean excess vs S&P |
|---|---|---|
| Cash runway ~0 months at current burn — a dilutive raise looks imminent. | sample still too small to report (need ≥ 8) | |
| 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
Coarse same-sector, same-stage context — not a percentile or rank. GP/A is graded on its absolute level, not position.
Fundamentals
| Market cap | $68.82B |
|---|---|
| Stage | Established |
| Share issuance (YoY) | 0.1% · flat share count |
| Moat | Narrow |
| TAM | LARGE |
| P/E (trailing) | 19.2 |
| EPS (trailing) | $0.74 |
| Burn multiple | — |
| Gross-margin trend (pts) | 7.4 |
| Cash / assets | 0 |
| Accruals (%) | 10.8% |
| Net debt / EBITDA | -2.7 |
| Statements as of | Q2 FY2026 · filed 2026-08-13 |
Momentum context — describes the past, not a signal
Low reached Jun 8, 2026 · high reached Jan 28, 2026 — by daily close.
| Price | $14.21 (as of 2026-08-20) |
|---|---|
| Last session move | — |
| % off 52-wk high | -25.1% |
| RSI (14) | 51 |
| Relative volume | 1.2× |
Risk flags
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
UBS raised price target to $18.2; analyst notes substantial growth runway ahead.
- UBS Maintains Buy on Nu Holdings, Raises Price Target to $18.2
- Nu Holdings Still Has A Massive Growth Runway
AI take — daily, AI-generated
AI leans mixed
Solid 29% growth with 0.3 PEG and analyst upgrade provide tailwinds, but weak profitability (0.1 GP/A) and zero runway suggest near-term cash constraints; growth thesis intact but timing matters.
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.
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Data as of 2026-08-21 08:12 (end-of-day). How grades are computed →