Nu Holdings 향후 성장
Future 기준 점검 5/6
Nu Holdings (는) 각각 연간 19.9% 및 42.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 21.5% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 31.9% 로 예상됩니다.
핵심 정보
19.9%
이익 성장률
21.54%
EPS 성장률
| Banks 이익 성장 | 8.2% |
| 매출 성장률 | 42.9% |
| 향후 자기자본이익률 | 31.86% |
| 애널리스트 커버리지 | Good |
| 마지막 업데이트 | 20 May 2026 |
최근 향후 성장 업데이트
Recent updates
NU: 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 Q1: It Seems That Investors Forgot The Competitive Advantages Of This Bank
Summary I reinforce my buy rating on Nu Holdings despite a mixed Q1 marked by higher delinquency and provisioning. NU's credit portfolio grew 40% YoY, with credit cards as the main driver, but rising NPLs and provisions spooked investors. Net income rose 41% YoY to $871 million, though ROE fell to 29% and NIM declined sequentially—key metrics to monitor ahead. NU's Mexican operation reached breakeven, now ranking third by customers, supporting my conviction in a 26% upside to 17x earnings. Read the full article on Seeking AlphaNU: 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 Alpha이익 및 매출 성장 예측
| 날짜 | 매출 | 이익 | 자유현금흐름 | 영업현금흐름 | 평균 애널리스트 수 |
|---|---|---|---|---|---|
| 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 | 4,108 | 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 |
애널리스트 향후 성장 전망
수입 대 저축률: NU 의 연간 예상 수익 증가율(19.9%)이 saving rate(3.5%)보다 높습니다.
수익 vs 시장: NU 의 연간 수익(19.9%)이 US 시장(16.8%)보다 빠르게 성장할 것으로 예상됩니다.
고성장 수익: NU 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.
수익 대 시장: NU 의 수익(연간 42.9%)이 US 시장(연간 11.6%)보다 빠르게 성장할 것으로 예상됩니다.
고성장 매출: NU 의 수익(연간 42.9%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.
주당순이익 성장 예측
향후 자기자본이익률
미래 ROE: NU의 자본 수익률은 3년 후 31.9%로 높을 것으로 예상됩니다.
성장 기업 찾아보기
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/20 14:07 |
| 종가 | 2026/05/20 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
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분석 모델 및 스노우플레이크
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산업 및 섹터 지표
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분석가 소스
Nu Holdings Ltd.는 28명의 분석가가 다루고 있습니다. 이 중 14명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Ramsey El-Assal | Barclays |
| John Coffey | Barclays |
| Rafael Reis | BB Banco de Investimento S.A. |