Nu Holdings 将来の成長
Future 基準チェック /56
Nu Holdings利益と収益がそれぞれ年間19.9%と42.9%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に31.9% 21.5%なると予測されています。
主要情報
19.9%
収益成長率
21.53%
EPS成長率
| Banks 収益成長 | 8.2% |
| 収益成長率 | 42.9% |
| 将来の株主資本利益率 | 31.86% |
| アナリストカバレッジ | Good |
| 最終更新日 | 21 May 2026 |
今後の成長に関する最新情報
Recent updates
Nu Holdings: The Market Is Wrong (Again) About Nu
Summary Nu Holdings demonstrates robust growth and profitability, with a 29% ROE and an expanding loan portfolio despite recent earnings volatility. Q1 saw strong revenue growth and customer expansion, but higher expected credit losses and declining ROE pressured short-term results. NU’s forward P/E near all-time lows (~14x) offers compelling value given its execution, market leadership, and long-term growth prospects. Mexico operations are scaling rapidly, with early profitability and significant runway in cards and unsecured loans supporting the bullish thesis. Read the full article on Seeking AlphaNU: Analyzing the Neobank Hegemon Architecture and the Impending Structural Macroeconomic Latin American Credit Inversion Point
Nu Holdings Ltd. (Nubank), the preeminent digital banking platform in Latin America, is navigating an extraordinary structural breakout in 2026.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.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.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.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).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).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.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).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).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.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.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).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.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.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.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.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.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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaNu 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 AlphaExpanding 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.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 AlphaNu Holdings Should Report Well For Q2 - 'Buy' Reiterated
Summary Nu Holdings stock has outperformed the market by a factor of 2 since April 2024. I believe more will come in the medium term - read on to learn why. NU's strong Q1 results show growth in user base, revenue, and margins, supporting my previous bullish thesis. MS analysts state that they expect the Q2 2024 for the entire Latin American market to be very solid in terms of top-line and earnings growth. Despite competition and high valuation, according to my updated calculations, NU stock is undervalued by about 19% today. NU's high upside potential leads me to the conclusion that I should confirm my buy recommendation today. Read the full article on Seeking AlphaNu Holdings: The Opportunity In LATAM Is Huge And Valuation Seems Right
Summary Nu is a neobank with a strong presence in Latin American countries, showing 105% annual growth between 2020-2023. The company operates in Brazil, Mexico, and Colombia, with potential for expansion in other countries due to low banking penetration. In each country it arrives, the company ends up becoming a leader, which demonstrates a great product behind. Despite the 45% YTD return, I think the valuation is still attractive. Read the full article on Seeking AlphaNu Holdings: Q1 2024, Promising New Growth Avenues, But Not Now
Summary Nu's 1Q24 results were in line with market expectations, despite profits growing 167% YoY. There may be a deterioration in credit quality, with delinquency rates rising. Nu's entry into the Brazilian telecom market could be a potential growth avenue for the company. Read the full article on Seeking AlphaNU: Q1 Earnings Reiterate The Growth Momentum
Summary With revenue, ROE, and NIM continuing to expand at elevated levels, the growth story remains intact. With this earnings release the stock's PE should decrease by approximately $7.81 based on the new diluted EPS and post-market trading price, improving the valuation. Although not everything in this release was all sunshine and rainbows, Q1 appeared strong, I am reiterating my high conviction in the stock and going with a strong buy rating. Read the full article on Seeking AlphaNu Holdings: High-Quality Undervalued Growth Stock To Buy Today
Summary Nu Holdings Ltd. is a digital banking platform with a $50 billion market cap, based in São Paulo, Brazil. In Brazil, Nu Holdings serves >87 million customers, representing over 1/2 the country's adult population. The company now seems to be trying to expand the same way to Mexico. A combination of a growing TAM, growing top line, and expanding margins should give NU more room to move higher, in my view. In 3 years, NU should trade at a P/E of 13.7, with an EPS CAGR of ~28.22% over that period. The growth potential I've calculated today is over 40% more than the current stock price. I therefore rate NU stock as a "Buy" today. Read the full article on Seeking AlphaNu Holdings: All Digital, All Mobile Bank Developing A Franchise In Latin America
Summary Nu Holdings is a profitable digital banking platform operating in Brazil, Mexico, and Colombia with a rapidly growing customer base. The company differentiates itself through its low-cost structure, superior customer service, and innovative product offerings. Despite operating in politically and economically volatile markets, Nu has shown strong revenue and customer growth, making it an attractive investment opportunity. Nu has a strong management team with deep domain expertise. It has been able to build a strong franchise in Brazil, and it is taking that playbook to Mexico and Columbia. Read the full article on Seeking AlphaNu Holdings: Remains My Number One Pick
Summary Nu Holdings reported earnings that exceeded expectations, showcasing its exceptional growth and efficiency as a digital-only bank. The company has a strong presence in Latin America, disrupting the region's banking industry with its convenient and high-quality services. Nu's customer base continues to grow rapidly, with a consistent improvement in monetization and a focus on expanding into new geographies and launching new products. Consensus estimates for 2024 are too low, and even based on those, Nu remains significantly undervalued. Read the full article on Seeking AlphaNubank: Bet Big On Latin America With This Fintech Monster
Summary Latin America's population growth remains strong, with fertility rates in the 1.8-2 range, making it a promising market for growth. Nubank, a popular mobile banking provider in Brazil, Mexico, and Colombia, is well-positioned to capture this market opportunity, especially due to ongoing digitization trends. Nubank's strong brand, low customer acquisition cost, and low cost-base contribute to its promising growth prospects and make it a worthwhile investment. We rate shares a "Strong Buy". Read the full article on Seeking AlphaNu Holdings: My Top Pick For 2024
Summary 2023 was a remarkable year for stock investors, with the stock market experiencing a great recovery despite initial bearishness and uncertainty. High-quality stocks that were undervalued at the beginning of the year are now trading at all-time highs. In 2024, the focus will shift to profitable, high-growth, smaller companies like Nu Holdings that have the potential for exceptional returns. The financial services disruptor is projected to continue to grow rapidly, as it capitalized on the developing Latin American economy. With a PEG ratio of 0.56, I find NU to be a once-in-a-lifetime bargain, making it my top pick for 2024. Read the full article on Seeking AlphaNu Holdings: Own It, Don't Trade It Post Q3
Summary Nu Holdings exhibits sustained growth, operational efficiency, and quality, differentiating itself positively despite concerns about its premium valuation. Q3 results showcase robust performance, with a notable positive trend in delinquencies, positioning Nu Holdings as an attractive and profitable growth prospect. Despite a tepid market response post earnings, Nu Holdings shares trade 7% below their annual peak and 31% below the IPO price. The company's financials reveal impressive figures, including a 39-fold increase in net income, a significant surge in revenues, and an expanding customer base of 89.1 million. Nu Holdings' expansion into Mexico, recent milestones in its growth agenda, and an optimistic outlook for future earnings reinforce its potential for substantial growth and long-term ownership value. Read the full article on Seeking Alpha業績と収益の成長予測
| 日付 | 収益 | 収益 | フリー・キャッシュフロー | 営業活動によるキャッシュ | 平均アナリスト数 |
|---|---|---|---|---|---|
| 12/31/2028 | 33,647 | 7,170 | N/A | N/A | 2 |
| 12/31/2027 | 26,274 | 5,438 | N/A | N/A | 9 |
| 12/31/2026 | 21,937 | 4,105 | N/A | N/A | 7 |
| 3/31/2026 | 7,594 | 3,184 | -9,866 | -9,532 | N/A |
| 12/31/2025 | 6,991 | 2,869 | -9,702 | -9,361 | N/A |
| 9/30/2025 | 6,361 | 2,529 | -6,784 | -6,410 | N/A |
| 6/30/2025 | 5,849 | 2,300 | -7,909 | -7,625 | N/A |
| 3/31/2025 | 5,647 | 2,151 | -4,159 | -3,928 | N/A |
| 12/31/2024 | 5,513 | 1,972 | -3,687 | -3,512 | N/A |
| 9/30/2024 | 5,283 | 1,780 | -5,522 | -5,411 | N/A |
| 6/30/2024 | 4,847 | 1,530 | -5,807 | -5,686 | N/A |
| 3/31/2024 | 4,248 | 1,268 | -7,841 | -7,684 | N/A |
| 12/31/2023 | 3,707 | 1,031 | -6,576 | -6,399 | N/A |
| 9/30/2023 | 3,128 | 372 | -6,378 | -6,204 | N/A |
| 6/30/2023 | 2,628 | 77 | -2,777 | -2,617 | N/A |
| 3/31/2023 | 2,215 | -178 | -2,944 | -2,798 | N/A |
| 12/31/2022 | 1,839 | -365 | -5,637 | -5,523 | N/A |
| 9/30/2022 | 1,471 | -133 | -7,702 | -7,602 | N/A |
| 6/30/2022 | 1,252 | -175 | -8,366 | -8,290 | N/A |
| 3/31/2022 | 1,037 | -161 | -8,259 | -8,221 | N/A |
| 12/31/2021 | 850 | -165 | -6,959 | -6,931 | N/A |
| 9/30/2021 | 706 | -206 | -4,968 | -4,950 | N/A |
| 6/30/2021 | 553 | -204 | -3,591 | -3,581 | N/A |
| 3/31/2021 | 475 | -188 | -3,131 | -3,118 | N/A |
| 12/31/2020 | 454 | -171 | -1,905 | -1,897 | N/A |
| 12/31/2019 | 327 | -93 | N/A | -1,813 | N/A |
| 12/31/2018 | 155 | -29 | N/A | -652 | N/A |
アナリストによる今後の成長予測
収入対貯蓄率: NUの予測収益成長率 (年間19.9% ) は 貯蓄率 ( 3.5% ) を上回っています。
収益対市場: NUの収益 ( 19.9% ) はUS市場 ( 16.7% ) よりも速いペースで成長すると予測されています。
高成長収益: NUの収益は増加すると予測されていますが、大幅には増加しません。
収益対市場: NUの収益 ( 42.9% ) US市場 ( 11.7% ) よりも速いペースで成長すると予測されています。
高い収益成長: NUの収益 ( 42.9% ) 20%よりも速いペースで成長すると予測されています。
一株当たり利益成長率予想
将来の株主資本利益率
将来のROE: NUの 自己資本利益率 は、3年後には高くなると予測されています ( 31.9 %)
成長企業の発掘
企業分析と財務データの現状
| データ | 最終更新日(UTC時間) |
|---|---|
| 企業分析 | 2026/05/21 04:10 |
| 終値 | 2026/05/21 00:00 |
| 収益 | 2026/03/31 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
|
| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
|
* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM(Trailing Twelve Month)またはLTM(Last Twelve Month)データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。
シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
Nu Holdings Ltd. 14 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。28
| アナリスト | 機関 |
|---|---|
| Ramsey El-Assal | Barclays |
| John Coffey | Barclays |
| Rafael Reis | BB Banco de Investimento S.A. |