Nu Holdings Gestione
Criteri Gestione verificati 1/4
Al momento non disponiamo di informazioni sufficienti sull'amministratore delegato.
Informazioni chiave
David Velez-Osomo
Amministratore delegato
n/a
Compenso totale
| Percentuale dello stipendio del CEO | n/a |
| Mandato del CEO | no data |
| Proprietà del CEO | 18.8% |
| Durata media del management | 1.3yrs |
| Durata media del Consiglio di amministrazione | 5.3yrs |
Aggiornamenti recenti sulla gestione
Recent updates
Aggiornamento narrativa • Sep 17
NU: US Expansion And Crypto Offerings Will Test Credit Quality And Margins
Analysts have lifted their price target for Nu Holdings to $13.83 from $12.17, reflecting updated assumptions on the discount rate, revenue growth, profit margin and future P/E that mildly adjust the stock's valuation profile. What’s in the News for Nu Holdings Nubank launched operations in the U.S. using a partner bank model, starting its U.S. presence while it works toward full approval for a national banking license.Seeking Alpha • Sep 10
Nu Holdings Is Undervalued With An Attractive Upside
Summary Nu Holdings delivers 40%+ revenue growth, 30%+ ROE, and a 17.6% efficiency ratio, outpacing both traditional banks and tech peers. NU’s digital-only, AI-driven model enables a 20:1 revenue-to-cost ratio, fueling exceptional operating leverage and profitability. With 135M customers, NU’s growth is driven by product penetration, cohort maturation, and expansion in Mexico and Colombia. At a 13.6x forward P/E and a $15 share price, NU offers a compelling margin of safety versus intrinsic value estimates near $27. Read the full article on Seeking Alpha
Aggiornamento narrativa • Sep 03
NU: US Bank Charter And AI Expansion Will Drive Long-Term Upside
Analysts have adjusted their price target on Nu Holdings to $18.78 from $17.82, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E as the key drivers of this change. What’s in the News for Nu Holdings No recent company specific news for Nu Holdings is available from the provided primary sources.
Aggiornamento narrativa • Aug 16
NU: Latin American Banking Licenses Will Support Long-Term Earnings Potential
Analysts have adjusted their fair value estimate for Nu Holdings stock from $22.00 to $23.00, reflecting updated assumptions for the discount rate, revenue growth, profit margin, and future P/E. What’s in the News for Nu Holdings Nu Holdings reported Q2 2026 net profit of US$1.06b, which was above analyst estimates, with management linking the result to higher revenue and stronger risk adjusted net interest margins.Aggiornamento narrativa • Jul 25
NU: Banking License Expansion Will Eventually Expose Credit Quality And Margin Risks
Analysts have modestly lifted their price target on Nu Holdings to $12.17 from $11.91. This reflects updated assumptions around discount rates, revenue, profit margins, and future P/E multiples.Aggiornamento narrativa • Jul 11
NU: Credit Quality And Margin Strains Will Limit Long Term Upside Potential
Analysts have slightly reduced their price target for Nu Holdings to about $11.91 from roughly $12.51, reflecting updated assumptions on the discount rate, revenue growth, profit margin, and future P/E expectations. What’s in the News for Nu Holdings Nu Mexico received authorization from the National Banking and Securities Commission to begin operating as a bank, consolidating Nu Holdings’ fully digital, customer focused model in Mexico under direct supervision of local regulators.Aggiornamento narrativa • Jun 27
NU: US Bank Charter And AI Expansion Will Support Long-Term Upside
Analysts have revised their price target for Nu Holdings to $17.82 from $19.99, reflecting updated assumptions for slightly lower revenue growth, a reduced profit margin outlook, a modestly lower discount rate, and a lower future P/E multiple. What’s in the News for Nu Holdings Nu Holdings reported record Q1 2026 results with revenue above US$5b and net income of US$871 million, supported by its NuFormer AI foundation models and AI Private Banker platform improving credit decisions and customer engagement across Latin America.Articolo di analisi • Jun 19
Nu Holdings (NU) Stock Could Be 44.1% Undervalued After Its AI Banking Push
Nu Holdings (NYSE:NU) drew fresh attention after unveiling two AI powered financial models, including the NuFormer digital assistant and a future AI Private Banking suite, aimed at sharpening credit decisions and tailoring customer services. See our latest analysis for Nu Holdings. At a share price of $12.71, Nu Holdings has seen 7 day share price momentum of 5.13% but a year to date share price decline of 25.32%, while the 3 year total shareholder return of 69.69% contrasts with a far softer...Aggiornamento narrativa • Jun 13
NU: US Charter AI Expansion And Buybacks Will Frame Balanced Future Upside
Analysts have revised their price target on Nu Holdings from $15.30 to $12.51. They adjusted assumptions around revenue growth, profit margin, and future P/E expectations, while keeping the discount rate broadly similar.
Aggiornamento narrativa • Jun 10
CFO transition and a context of total uncertainty: value continues to be generated
When this analysis was published on May 24 at $12.73 per share, the thesis was straightforward: a structurally superior business trading at a historically compressed multiple. In the sixteen days since, four distinct macro and company-specific events have converged to push the stock further down to $11.88 — creating, in this view, a wider margin of safety rather than a deteriorating investment case.Aggiornamento narrativa • May 30
NU: US Banking Charter Will Shape Future Upside Despite Modest Assumption Shifts
Analysts have trimmed their fair value estimate for Nu Holdings from $15.98 to $15.30 as they now apply a slightly higher discount rate, slightly lower revenue growth and profit margin assumptions, and a more conservative future P/E multiple. Valuation Changes Fair Value: trimmed slightly from $15.98 to $15.30 per share.Nuova narrativa • May 24
Investment Analysis (May 2026)
Three key ideas before starting Before diving into the details, it is useful to establish three core conclusions that structure the entire analysis. The first is that Nu Holdings is currently trading at a historically low multiple relative to its growth profile.Aggiornamento narrativa • May 03
NU: US Banking Charter Will Shape Balanced Future Risk And Reward
Analysts have slightly reduced their price target on Nu Holdings from about $16.19 to $15.98, citing updated assumptions for revenue growth, profit margins, discount rate and future P/E that are now reflected in their models. Valuation Changes Fair Value: reduced slightly from $16.19 to $15.98 per share.Aggiornamento narrativa • Apr 18
NU: US Bank Charter Progress Will Support Long-Term Earnings Potential
Analysts kept their average price target for Nu Holdings unchanged at $22.00. They made small adjustments to underlying assumptions such as revenue growth, profit margin, discount rate, and future P/E, which resulted in no change to the overall target.Aggiornamento narrativa • Apr 04
NU: US Banking Charter Will Drive Future Upside Potential
Analysts have lowered their price target on Nu Holdings to about $16.19 per share from roughly $17.20. This adjustment reflects updates to revenue growth, profit margin, discount rate, and future P/E assumptions in their models.Aggiornamento narrativa • Mar 21
NU: US Bank Charter And F1 Partnership Will Support Long-Term Earnings
Analysts kept their $22.00 price target for Nu Holdings unchanged, citing updated assumptions that include a lower discount rate, a revised revenue growth outlook, a higher profit margin and a lower future P/E multiple. What's in the News Nu received conditional approval from the US Office of the Comptroller of the Currency to form a de novo national bank, Nubank, N.A., moving into the bank organization phase that includes meeting OCC conditions and obtaining additional approvals from the FDIC and the Federal Reserve (Regulatory Authority – Compliance).Aggiornamento narrativa • Mar 06
NU: US Banking Approval And F1 Partnership Will Support Upside Potential
Analysts have nudged their price target on Nu Holdings to $17.20 from $17.00, reflecting updated assumptions on discount rates, revenue growth, profit margin and a higher future P/E multiple. What's in the News Nu received conditional approval from the US Office of the Comptroller of the Currency to form a de novo national bank, Nubank, N.A. This is a key step toward offering deposit accounts, credit cards, lending and digital asset custody under a US federal banking framework (Key Developments).
Nuova narrativa • Feb 22
Nu holdings will continue to disrupt the South American banking market
Two years ago i bought Nu at $11. Now there were two main things which gave me conviction.Aggiornamento narrativa • Feb 20
NU: US Bank Charter Progress Will Support Bullish Long Term Outlook
Analysts have kept their average $19.99 price target for Nu Holdings effectively unchanged, with only marginal tweaks to the discount rate, revenue growth, profit margin expectations, and future P/E inputs reflected in their latest models. What's in the News Nu received conditional approval from the US Office of the Comptroller of the Currency to form a new national bank, Nubank, N.A., moving the company into the bank organization phase and closer to operating under a federal banking framework in the United States (Regulatory Authority, Compliance).Aggiornamento narrativa • Feb 06
NU: US Bank Charter Progress Will Shape Bullish Long Term Outlook
Analysts have lifted their price target on Nu Holdings to US$19.99 from US$18.43, citing revisions to fair value assumptions, a lower discount rate, and updated views on revenue growth, profit margins, and future P/E levels. What's in the News Nu received conditional approval from the US Office of the Comptroller of the Currency to form a new national bank, Nubank, N.A., which would allow it to offer deposit accounts, credit cards, lending and digital asset custody in the United States once fully approved (Regulatory Authority – Compliance).Aggiornamento narrativa • Jan 23
NU: Fair Outlook As Global Racing Partnership Aims To Lift Brand Profile
Analysts have raised their price target for Nu Holdings from US$9.35 to US$17.00, citing updated expectations for revenue growth, profit margins and a slightly higher assumed future P/E multiple. What's in the News Nu and the Mercedes-AMG PETRONAS F1 Team agreed to a new multi-year partnership, with Nu becoming an Official Team Partner ahead of the 2026 FIA Formula One World Championship Season.Aggiornamento narrativa • Jan 08
NU: U.S. Bank Charter Pursuit Will Support Long-Term Earnings Power
Analysts have maintained their fair value estimate for Nu Holdings at $22.00, citing updated assumptions that include slightly different revenue growth, profit margin, discount rate, and future P/E expectations. Valuation Changes The fair value estimate remains unchanged at $22.00 per share, reflecting updated assumptions without altering the overall valuation outcome.Aggiornamento narrativa • Dec 16
NU: U.S. Bank Charter Pursuit Will Support Long-Term Earnings Power
Analysts have raised their price target on Nu Holdings from 20 dollars to 22 dollars per share, citing expectations for stronger revenue growth and a modestly higher future earnings multiple, which are partially offset by slightly lower projected profit margins. What's in the News Nubank has applied for a national bank charter with the U.S. Office of the Comptroller of the Currency (OCC), aiming to evolve its regional Latin American platform into a global model and expand its presence in the U.S. market (company announcement).Aggiornamento narrativa • Dec 02
NU: U S Bank Charter Efforts And International Expansion Will Shape Outlook
Nu Holdings saw its average analyst price target rise slightly from $17.98 to $18.43 per share, as analysts cited ongoing growth expectations despite some moderation in profit margin forecasts. What's in the News Nubank has applied for a national bank charter with the Office of the Comptroller of the Currency (OCC) in the United States.Aggiornamento narrativa • Nov 18
NU: Expansion Into U S Banking Will Drive Future Upside
Narrative Update: Nu Holdings Analyst Price Target Analysts have raised their price target for Nu Holdings from $17.46 to $17.98 per share, citing expectations of stronger revenue growth and updated financial model assumptions. What's in the News Nubank has applied for a national bank charter with the U.S. Office of the Comptroller of the Currency.Aggiornamento narrativa • Nov 04
NU: Expanding U.S. And Mexico Banking Moves Will Shape Global Platform
Analysts have slightly raised their price target for Nu Holdings from $17.29 to $17.46 per share, citing improved profit margin forecasts, which more than offset a modest decrease in projected revenue growth. What's in the News Nubank has applied for a national bank charter with the Office of the Comptroller of the Currency (OCC) in the United States.Aggiornamento narrativa • Oct 20
Latin America's Digital Shift Will Drive Financial Service Expansion
Analysts have raised their price target on Nu Holdings from $16.99 to $17.29 per share. They cited modest improvements in profit margin and a slight reduction in the discount rate as key drivers for the upward revision.Aggiornamento narrativa • Aug 25
Latin America's Digital Shift Will Drive Financial Service Expansion
The upward revision in Nu Holdings' consensus price target reflects improved analyst expectations for revenue growth (rising from 71.6% to 77.9% per annum), despite a slight decline in net profit margin, resulting in an increased fair value estimate from $15.47 to $16.36. What's in the News Dropped from Russell Midcap Growth Benchmark and Russell Midcap Growth Index.Seeking Alpha • Apr 23
Why Nu Holdings Is Attractive At Current Levels
Summary Nu Holdings, a leading digital financial services platform in Latin America, is trading at attractive levels with significant growth potential in existing and new markets. Despite temporary setbacks in Q4 2024, including FX headwinds and a sequential ARPAC decline, the underlying business remains strong with healthy customer growth and stable credit risk metrics. FX headwinds are subsiding, potentially boosting reported growth rates. The main risks include global tariff wars and increased competition impacting growth and loan performance. Read the full article on Seeking AlphaSeeking Alpha • Mar 25
Nu Holdings: Short-Term Forex Drag, Long-Term Profit Machine
Summary Nu Holdings missed revenue expectations in Q4, with slower customer growth and slight profitability declines. FX headwinds were a major factor, impacting net interest margins and ARPAC. Nu Holdings still has lots of growth ahead, with a less-than-4% market share and a relatively underbanked population in Latin America. Despite short-term issues, Nu maintains a 32% adjusted annualized ROE and has ample capital to deploy, which can help support ROE and net interest margins over time. A long growth runway, high profitability, and a reasonable valuation make me bullish on NU stock. The US Dollar has weakened since Q4 2024, which can help NU, although FX headwinds are still real and shouldn't be ignored. Read the full article on Seeking AlphaSeeking Alpha • Feb 21
Nu Holdings: Reasons For The Q4 Miss Are Critical & Mercado Pago Competition Worries
Summary Nu Holdings reported Q4 results missing expectations, causing an 8% pre-market share drop, primarily due to significant FX impact, controlled growth, and competition. Despite short-term pressures, Nu's long-term growth potential remains strong, with a proven formula and only 4% of Latin America's TAM captured. Nu's valuation at 22x forward earnings and 0.8x PEG ratio remains highly attractive, but the near-term trajectory is murky. I downgrade Nu to a 'Buy' due to near-term FX headwinds and advise gradual position building. Read the full article on Seeking AlphaSeeking Alpha • Jan 25
Nu Holdings: The Noise Is Real, But So Is The Potential (Rating Upgrade)
Summary Nu Holdings faces macroeconomic risks, including high interest rates, currency devaluation, and potential rising delinquency rates in Brazil. Despite challenges, Nu's strong brand, 100M+ customers, and cross-selling opportunities support long-term growth potential. Nu Holdings' premium valuation is justified by efficient execution, robust growth prospects, and a scalable business model. Read the full article on Seeking AlphaSeeking Alpha • Dec 23
Nu Holdings: A Warren Buffett-Style Fat Pitch You Should Be Swinging At
Summary Nu Holdings, founded in 2013, now serves 110 million customers across Brazil, Mexico, and Colombia, capturing 56% of Brazil's adult population. Despite a 24% YTD stock increase, NU remains 29% below its October highs, presenting a compelling investment opportunity given its strong Q3 2024 results. Nubank showcases some of the best unit economics in public markets through compounding cross-selling opportunities to clients. I estimate a fair value of $22.69/share, which is more than double the current price. Read the full article on Seeking AlphaSeeking Alpha • Dec 16
Nu Holdings: User Growth And Expanding Product Offerings Make It A Buy
Summary Nubank's rapid growth and exceptional unit economics, with 110 million customers and low acquisition costs, highlight its potential to become a superapp in LATAM. Despite economic, geopolitical, and currency risks, I believe Nubank has significant upside over the next 10 years. Expansion into Mexico and potential entry into Argentina and other markets present huge opportunities for revenue growth and diversification. Mature customer cohorts show significantly higher revenue contributions, indicating further runway. Read the full article on Seeking AlphaSeeking Alpha • Nov 21
Nu Holdings' Growth Potential Outweighs Brazilian Economic Woes
Summary The company reported solid Q3 2024 earnings on November 13, but investor sentiment remains cautious due to interest rates rising in Brazil. Long-term investment in Nu Holdings remains compelling, driven by its robust business model and growth potential in the Latin American online banking sector. Nu Holdings' credit expansion strategy and solid financial performance underpin my continued buy rating despite short-term market volatility. Read the full article on Seeking AlphaSeeking Alpha • Oct 26
Nu Holdings: A Formidable CEO Interview And New Risks
Summary CEO insights on Argentine market potential and Brazil growth avenues are promising. Executives' execution ability remains strong, reinforcing confidence in the Nu Holdings' strategic direction. Despite the positive outlook, the current valuation lacks margin of safety for a buy recommendation. Read the full article on Seeking AlphaSeeking Alpha • Sep 23
Nu Holdings Stock Still Growing, But Valuation Raises Red Flags (Rating Downgrade)
Summary Nu Holdings remains a solid investment, but its 20% stock price increase has eroded its margin of safety, making it less attractive. Despite impressive Q2 earnings and strong customer growth, Nu Holdings' premium valuation at nearly 30x earnings reduces its attractiveness compared to peers like Inter & Co. Inter & Co, while smaller and riskier, offers greater value with ambitious growth targets and a significantly lower valuation at 14x earnings. Considering Nu Holdings' high valuation and macroeconomic risks, I rate it a 'hold,' while Inter & Co offers a more compelling alternative. Read the full article on Seeking AlphaSeeking Alpha • Sep 15
Nu Holdings: Arguably The Best Unit Economics In Public Markets
Summary Nu Holdings has nearly doubled since my December 2023 article, and shares are up 80% YTD. The company's hyper-growth trajectory and still undemanding valuation make it a compelling investment opportunity even after the recent rise. Nu showcases extremely attractive unit economics, with low customer acquisition costs, compared to very high lifetime value. Investors will do well by ignoring their bias and adding Nu to their portfolio. Read the full article on Seeking AlphaSeeking Alpha • Aug 22
Nu Holdings Expands AI Capabilities To Revolutionize Banking Services
Summary The company is now an "AI-first" company after recently acquiring Silicon Valley-based Hyperplane. The company's recently reported second-quarter 2024 earnings show the thesis for investing in Nu Holdings is still on track. The valuation of the stock is still reasonable. Read the full article on Seeking Alpha
Nuova narrativa • Aug 19
Expanding In Brazil And Mexico Powers Revenue Surge And Market Impact
Nu Holdings' expansion in Brazil and Mexico, alongside successful cross-selling and new product introductions, indicate strong future revenue and earnings growth potential.Seeking Alpha • Aug 16
Nu Holdings: Largest Non-Asian Digital Bank, Continues To Deliver
Summary Nu Holdings reported strong Q2 earnings with accelerated growth momentum in KPIs, beating earnings and revenue expectations. The company is outperforming competitors in Mexico and Colombia, expanding its customer base and market share in these countries despite strong neobank competition with more aggressive offerings. Despite political risks, Nu's strong fundamentals and upcoming tailwinds from a banking license in Mexico, and tax reform in Colombia, justify a strong buy rating on the stock. Read the full article on Seeking AlphaAMMINISTRATORE DELEGATO
David Velez-Osomo
no data
Mandato
Mr. David Velez-Osorno is Director of OpenAI, L.L.C. from July 2026. Mr. Velez-Osorno is Founder, Chairman & CEO of Nu Holdings Ltd. Mr. Velez-Osorno was Director of Nu Holdings Ltd.Mr. Velez-Osorno joine...
Gruppo dirigente
| Nome | Posizione | Mandato | Compensazione | Proprietà |
|---|---|---|---|---|
| Founder | no data | Nessun dato | 18.76% $ 12.4b | |
| Executive Vice-Chairman and Global Head of Public Policy | 1.2yrs | Nessun dato | Nessun dato | |
| Chief Financial Officer | less than a year | Nessun dato | Nessun dato | |
| Chief Technology Officer | 1.7yrs | Nessun dato | 0.0084% $ 5.6m | |
| Investor Relations Officer & Director of Market Intelligence | 1.4yrs | Nessun dato | Nessun dato | |
| Chief of Human Resources Officer | 3.8yrs | Nessun dato | Nessun dato | |
| Chief Growth Officer & CEO of US | less than a year | Nessun dato | 2.69% $ 1.8b | |
| Chief Risk Officer | 8.7yrs | Nessun dato | 0.072% $ 47.5m | |
| Chief Executive Officer of Latin America | 2.7yrs | Nessun dato | Nessun dato | |
| Chief Design Officer | 1.2yrs | Nessun dato | Nessun dato | |
| Chief Product Officer | less than a year | Nessun dato | Nessun dato |
1.3yrs
Durata media
48yo
Età media
Gestione esperta: Il team dirigenziale di NU non è considerato esperto (durata media 1.3 anni), il che suggerisce un nuovo team.
Membri del Consiglio di amministrazione
| Nome | Posizione | Mandato | Compensazione | Proprietà |
|---|---|---|---|---|
| Founder | no data | Nessun dato | 18.76% $ 12.4b | |
| Executive Vice-Chairman and Global Head of Public Policy | 1.2yrs | Nessun dato | Nessun dato | |
| Independent Director | 10.7yrs | Nessun dato | 0.58% $ 380.7m | |
| Independent Director | 5.5yrs | Nessun dato | 0.00039% $ 257.2k | |
| Independent Director | less than a year | Nessun dato | 0.0073% $ 4.8m | |
| Independent Director | 4yrs | Nessun dato | 0.0023% $ 1.5m | |
| Independent Director | 3.5yrs | Nessun dato | 0.013% $ 8.6m | |
| Independent Director | 5.4yrs | Nessun dato | 0.0047% $ 3.1m | |
| Independent Director | 5.3yrs | Nessun dato | 0.0016% $ 1.1m | |
| Lead Independent Director | 5.9yrs | Nessun dato | 0.0034% $ 2.2m |
5.3yrs
Durata media
57yo
Età media
Consiglio di amministrazione esperto: I membri del consiglio di amministrazione di NU sono considerati esperti (durata media dell'incarico 5.3 anni).
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/09/21 04:01 |
| Prezzo dell'azione a fine giornata | 2026/09/21 00:00 |
| Utili | 2026/06/30 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
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| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
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| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Nu Holdings Ltd. è coperta da 28 analisti. 14 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Ramsey El-Assal | Barclays |
| John Coffey | Barclays |
| Rafael Reis | BB Banco de Investimento S.A. |