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Nu Holdings Ltd (NU) — chart, structure and Closelooknet read

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The desk on NU

What this diary said about Nu Holdings Ltd, what it holds and what would change its view — in its own words, dated. Investment diary, not advice.

What we hold

BookPositionSinceResult
Global Tech 50 1,000 shares · average entry $4.07 — +233.8%
Hypergrowth 1,000 shares · average entry $16.82 — −19.2%
Hypergrowth short 10 calls · $17 strike · 17 Dec 2027 · sold at $2.22, now $1.76 — +20.7%
Derivatives short 10 puts · $20 strike · 18 Dec 2026 · sold at $3.55, now $5.00 — −40.9%
The Compound (wikifolio) ↗ 400 shares · average entry €12.48 — —

Model books as of 25 Sept 2026; wikifolio positions from the official wikifolio data, entries in euros. Results are unrealised, before any exit. A record of what the diary does, not a recommendation to do the same.

Our record on NU

Every scored call, pick and trade this diary has made on Nu Holdings Ltd, with the outcome where it is known.

Company snapshot — Nu Holdings Ltd

NU in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Nu Holdings runs a digital banking platform across Brazil, Mexico and Colombia, reaching customers through an app rather than branches. It issues credit and prepaid cards, holds personal and business accounts, and offers loans, insurance and investing products including a crypto-buying feature. It is based in São Paulo and listed in the United States.
Where it sits in the stack
In our HALO Growth 100, the growth index outside the megacaps, Nu Holdings sits in the Payments & Financial Infrastructure sleeve. Inside that sleeve it behaves as a customer of the card networks and payment rails it issues on top of, rather than one of the toll-booth firms that own the rails themselves.
Who it is priced against
Closelooknet's peer group places it with Wise, Toast, HDFC Bank ADR, Deutsche Börse, Verisk Analytics, CME Group and Adyen, names built on hard-to-displace payment and data infrastructure. The comparison the market draws outside that group is Revolut.
Why Closelooknet tracks it
Nu Holdings holds a seat in the HALO Growth 100 and carries a Closelooknet score, a composite of several modules; quality is the strongest module and momentum the weakest. It has not yet drawn a quote in the diary's editions.
What the diary watches
The diary watches whether the momentum module recovers or the weakness spreads into the stronger quality reading, since the two currently pull in opposite directions.

Nu Holdings Ltd (NU) trades on US exchanges, classified under Financial Services. Constituent of HALO Growth 100.

The Closelooknet company score reads 51/100 composite (momentum 34, quality 60, valuation 52) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

Signals for this name

Every Closelooknet reading that exists for NU, from the same nightly bakes the boards use. Research diary readings, not advice.

The Street on this name 2 analyst actions on the wire · latest: price target by Wolfe Research, 2026-08-25 · last print 2026-08-13

The Street on this name

Analyst actions and the latest print for NU from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Wolfe Research — target 17 from 18 Target cut to $17 from $18 (+15.2% to spot) 2026-08-25
  • Price target UBS — target 18.2 from 16.9 Target raised to $18.2 from $16.9 (+24.6% to spot) 2026-08-20
  • Latest print EPS 0.22 against 0.20 expected — a +10.9% beat 2026-08-13

2 actions on the analyst wire since 2026-08-13: 2 target changes. Analyst wire → · Earnings wire →

Who it is priced against HALO Growth 100 · Payments & Financial Infrastructure · 7 names with week and year-to-date

Peer group

HALO Growth 100 · Payments & Financial Infrastructure

Payments rails, exchanges, data-and-analytics franchises. The toll-booth economics of finance, hard to displace.

Compared against NU on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Versus its index HALO Growth 100 — the name, its sleeve and the index over day, week and month

Versus its index

The name against its Closelooknet index and its own sleeve — equal-weight, nightly closes.

HALO Growth 100 · as of 2026-09-25

DayWeekMonth3 months
NU+0.2%−0.4%−10.4%+3.2%
Payments & Financial Infrastructure+0.6%−0.8%−8.1%—
HALO Growth 1000.0%+0.2%−7.6%—

Against the index: 0.6 pts behind on the week, 2.8 pts behind on the month; against its Payments & Financial Infrastructure sleeve 2.3 pts behind on the month.

Returns from the index workers’ nightly closes; equal-weight sleeves. A relative reading from the research diary, not advice.

Dividends and capital return no distribution in twelve months · buybacks 6 m USD in FY2025

Dividends and capital return

What NU pays out and buys back — distributions read from the price series, money terms from the filings.

  • Distributions No cash distribution recorded in the price series over the last three years
  • Buybacks, FY2025 6 m USD 0.0% of today's market value
  • Share count +0.4% in FY2025 272 m USD of stock-based compensation in the year
  • Capital returned 6 m USD · 0% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

How it trades on rate days beta 0.61 to TLT · on the worst bond days it fell more than the market

How it trades on rate days

How NU has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.61 — moves strongly with bonds for every 1% move in TLT (20+ year Treasuries), Nu Holdings Ltd moved 0.61% on average · correlation 0.15 · higher than 62% of US names
  • Beta, last 3 months 1.12 more rate-sensitive lately than over the year
  • On the 10 worst bond days −1.39% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days −0.44% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 62/100 · S&P 500 fund at 67, bullish alignedEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-09-25
  • Factor regime Momentum leading — risk appetite buildingMomentum against low volatility (SPMO / SPLV): above its 50-day trend, 99th percentile of the window, +8.4% over 20 sessions. Factor regime → 2026-09-25
  • Sovereign pressure Index 0.75 · up 0.21 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-09-24

FAQ · from the current data · as of 2026-09-26

Quick answers

What is Nu Holdings Ltd (NU)?

Nu Holdings Ltd trades as NU on the US exchange and is classified under Financial Services in the Closelooknet research universe, as of the registry build of 2026-09-26.

Is NU in a Closelooknet index?

Yes — Nu Holdings Ltd is a constituent of HALO Growth 100, as of 2026-09-26.

What is Nu Holdings Ltd's Closelooknet composite score?

51 out of 100, with momentum 34, quality 60 and valuation 52 sub-scores, as of 2026-09-26. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does NU trade against its moving averages?

Resizing — 28.6% off its high: 28.6% below its 52-week high, under its 200-day — a deeper resizing of the trend, not a shallow dip. As of 2026-09-24 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How is NU doing against its Closelooknet index?

Over the past month Nu Holdings Ltd is −10.4% against −7.6% for the HALO Growth 100 — 2.8 points behind its index, as of 2026-09-25. Its Payments & Financial Infrastructure sleeve is −8.1% over the same month. The “Versus its index” table on this page carries the day, the week and the month for the name, its sleeve and the index.

What does Nu Holdings Ltd do?

Nu Holdings runs a digital banking platform across Brazil, Mexico and Colombia, reaching customers through an app rather than branches. It issues credit and prepaid cards, holds personal and business accounts, and offers loans, insurance and investing products including a crypto-buying feature. It is based in São Paulo and listed in the United States. Closelooknet's peer group places it with Wise, Toast, HDFC Bank ADR, Deutsche Börse, Verisk Analytics, CME Group and Adyen, names built on hard-to-displace payment and data infrastructure. The comparison the market draws outside that group is Revolut.

Where does Nu Holdings Ltd sit in the AI build-out?

In our HALO Growth 100, the growth index outside the megacaps, Nu Holdings sits in the Payments & Financial Infrastructure sleeve. Inside that sleeve it behaves as a customer of the card networks and payment rails it issues on top of, rather than one of the toll-booth firms that own the rails themselves. Nu Holdings holds a seat in the HALO Growth 100 and carries a Closelooknet score, a composite of several modules; quality is the strongest module and momentum the weakest. It has not yet drawn a quote in the diary's editions.

Does Nu Holdings Ltd pay a dividend?

No cash distribution shows in Nu Holdings Ltd’s price series over the last three years. In fiscal 2025 the company bought back 6 m USD of its own shares, 0% of that year’s free cash flow. The share count rose 0.4% over the fiscal year. The "Dividends and capital return" block on this page carries the lines.

How does Nu Holdings Ltd trade when bond yields rise?

Over the past year Nu Holdings Ltd had a beta of 0.61 to TLT, the long-dated Treasury fund — it moves strongly with bonds, higher than 62% of US names. On the 10 sessions in which long bonds fell most it moved −1.39% on average, against −0.74% for the S&P 500. The "How it trades on rate days" block on this page carries the lines.

What has Wall Street done on Nu Holdings Ltd recently?

The most recent analyst action on Nu Holdings Ltd on the Closelooknet wire is a price target by Wolfe Research on 2026-08-25 (target 17 from 18). 2 actions on the analyst wire since 2026-08-13: 2 target changes. Its latest earnings print on the wire, 2026-08-13: EPS 0.22 against 0.20 expected — a +10.9% beat. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for NU, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

Related in the Closelooknet universe

same Closelooknet index seat first, then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.