(NU) Nu Holdings - Ratings and Ratios

Nu Holdings Ltd. (NYSE:NU) operates a leading digital banking platform across nine countries, including Brazil, Mexico, Colombia, Germany, Argentina, the United States, Uruguay, the Cayman Islands, and most recently, Portugal. The platform serves over 70 million customers, offering a comprehensive suite of financial services tailored to individual and business needs. Its product ecosystem includes spending, saving, investing, borrowing, and protection solutions, all accessible through its mobile-first app. The company has established itself as a disruptor in traditional banking, leveraging technology to reduce costs and enhance customer experience.

On the spending front, Nu provides the Nu credit and prepaid card, which combines credit and prepaid functionalities, and the Ultraviolet premium metal card targeting affluent customers. Mobile payment solutions enable transfers, bill payments, and everyday purchases directly through the app. Nu Shopping integrates an e-commerce platform, allowing customers to shop from multiple retailers within the app. For savings, Nu offers personal accounts, business prepaid and credit cards, and accounts designed for entrepreneurs. Investing solutions include goal-based Money Boxes, Nucoin (a loyalty program token), NuInvest (offering equities, fixed income, ETFs, and funds), and NuCrypto for cryptocurrency transactions.

Borrowing solutions include unsecured and secured personal loans, Pix financing for instant transfers, Boleto financing for credit line-based payments, purchase financing, and NuPay for online purchases. Protection solutions encompass life, mobile, auto, home, and financial insurance policies. Founded in 2013 and headquartered in São Paulo, Brazil, Nu has grown rapidly, driven by its tech-driven approach and customer-centric model. Its expansion into new markets, such as Portugal, underscores its ambition to become a global digital banking leader. The companys focus on financial inclusion and innovation has positioned it as a key player in the fintech space.

Ticker Symbol: NU Exchange: NYSE Type: common stock Country Origin: Brazil GICS Sub Industry: Diversified Banks

3-Month Forecast: Based on and , Nu Holdings Ltd. is expected to experience moderate price volatility. The SMA 20 crossing above the SMA 50 at 10.64 and 11.41, respectively, suggests potential upside momentum, with a target near $12.50. However, the ATR of 0.63 indicates moderate risk. Fundamentally, a P/E of 27.10 and forward P/E of 19.61 suggest a premium valuation but improving growth prospects. The RoE of 25.79% highlights strong profitability. Support is expected at $10.50, with resistance at $13.00. Investors should monitor market volatility and competitive pressures in the fintech sector.