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

The Closelooknet read

Nu Holdings runs a digital banking platform across Brazil, Mexico, Colombia, the Cayman Islands and the United States, known in its home market as Nubank. It offers credit and prepaid cards, personal and business accounts, loans, investing tools and insurance, mostly through its mobile app.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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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 — +188.4%
Hypergrowth 1,000 shares · average entry $16.82 — −30.2%
Derivatives short 10 puts · $20 strike · 18 Dec 2026 · sold at $3.55, now $8.23 — −131.9%
The Compound (wikifolio) ↗ 300 shares · average entry €12.13 — —

Model books as of 5 Nov 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.

Signals for this name

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

Versus its index HALO Growth 100 · AI Users — 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 2026-11-05

DayWeekMonth3 months
NU−2.1%−2.6%−24.6%−15.2%
Payments & Financial Infrastructure−0.5%+4.7%+2.9%—
HALO Growth 100−2.8%−1.2%+0.4%—

Against the index: 1.4 pts behind on the week, 25.0 pts behind on the month; against its Payments & Financial Infrastructure sleeve 27.5 pts behind on the month.

AI Users · as of 2026-11-05

DayWeekMonth3 months
NU−2.1%−2.6%−24.6%−15.2%
Decision Intelligence & Risk−4.0%−3.6%−3.2%—
AI Users−1.5%+1.2%+8.0%—

Against the index: 3.8 pts behind on the week, 32.6 pts behind on the month; against its Decision Intelligence & Risk sleeve 21.4 pts behind on the month.

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

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 44/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-05
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 73th percentile of the window, -21.7% over 20 sessions. Factor regime → 2026-11-04
  • Sovereign pressure Index -2.05 · down 2.95 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-05
How it trades on rate days beta 0.59 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 0.59 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), Nu Holdings Ltd moved 0.59% on average · correlation 0.12 · higher than 55% of US names
  • Beta, last 3 months 0.14 less 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.

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.

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, Colombia, the Cayman Islands and the United States, known in its home market as Nubank. It offers credit and prepaid cards, personal and business accounts, loans, investing tools and insurance, mostly through its mobile app. The company is based in Sao Paulo and listed in the United States in 2021.
Where it sits in the stack
Nu sits on the user side of the AI build-out, in the AI Users index under the Decision Intelligence & Risk section, where AI underwrites credit, screens fraud and resolves complex decisions inside the bank. By March 2025 the company documented a generative-AI chat assistant in production, resolving 55% of level-one queries and cutting response times by about 70%, acting on its own rather than assisting staff. By December 2024 it had already described generative AI executing Pix transfers from voice, text or image requests, inside the app and on WhatsApp. By November 2025 it disclosed nuFormer, a transformer foundation model built on its own transaction data, in use from about June 2025 to drive a Brazil credit-card limit upgrade with 330 million parameters, also acting on its own.
Who it is priced against
Closelooknet's peer group places Nu in the HALO Growth 100's Payments & Financial Infrastructure sleeve, alongside Toast, HDFC Bank, Verisk Analytics, Deutsche Börse, CME Group, Adyen and Wise, businesses built on payment rails and data that are difficult to replace. The market also compares it with PayPal as a digital-finance peer.
Why Closelooknet tracks it
Nu holds a seat in the HALO Growth 100 and in the AI Users index's Decision Intelligence & Risk section. It carries a Closelooknet score across three modules, strongest on quality and weakest on valuation. The diary records no quotes or coverage mentions for it so far.
What the diary watches
The diary watches whether the limit-upgrade programme reaches its stated full effect by mid-to-end 2026, and whether Nu extends agentic workflows and the foundation model beyond Brazil into Mexico as it has stated.

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 29, quality 60, valuation 55) 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, 2026-10-25. 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.

The Street on this name 5 analyst actions on the wire · latest: price target by Monness Crespi, 2026-10-26 · 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 Monness Crespi — target 20 Target set to $20 (+31.9% to spot) 2026-10-26
  • Initiation Monness — at Buy Initiated to Buy 2026-10-26
  • Price target UBS — target 20.5 from 18.2 Target raised to $20.5 from $18.2 (+35.9% to spot) 2026-10-20
  • Latest print EPS 0.22 against 0.20 expected — a +10.9% beat 2026-08-13

5 actions on the analyst wire since 2026-08-13: 1 initiation, 4 target changes. Analyst wire → · Earnings wire →

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.

FAQ · from the current data · as of 2026-11-06

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 2026-11-06.

Is NU in a Closelooknet index?

Yes — Nu Holdings Ltd is a constituent of HALO Growth 100, as of 2026-11-06.

What is Nu Holdings Ltd's Closelooknet composite score?

51 out of 100, with momentum 29, quality 60 and valuation 55 sub-scores, as of 2026-11-06. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does NU trade against its moving averages?

Nu Holdings Ltd trades 15.2% below its 50-day and 16.6% below its 200-day moving average (13.6% below its 20-day). As of 2026-11-04 — 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 −24.6% against +0.4% for the HALO Growth 100 — 25.0 points behind its index, as of 2026-11-05. Its Payments & Financial Infrastructure sleeve is +2.9% 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.

How does Nu Holdings Ltd compare with its peers?

Against its peer group (HALO Growth 100 · Payments & Financial Infrastructure), Nu Holdings Ltd (NU) sits 36.8% below its 52-week high, 15.2% below its 50-day average; Wise plc (WISE.L) is 22.8% below, Toast Inc (TOST) is 11.0% below, HDFC Bank Limited ADR (HDB) is 33.0% below, as of 2026-11-04. Put any of them next to NU in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Nu Holdings Ltd trade when bond yields rise?

Over the past year Nu Holdings Ltd had a beta of 0.59 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 55% 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. As of 2026-11-05; The "How it trades on rate days" block on this page carries the lines.

Does Closelooknet hold Nu Holdings Ltd?

Yes — Global Tech 50: 1,000 shares · average entry $4.07, +188.4% unrealised (book of 2026-11-05); Hypergrowth: 1,000 shares · average entry $16.82, -30.2% unrealised (book of 2026-11-05); Derivatives: short 10 puts · $20 strike · 18 Dec 2026 · sold at $3.55, now $8.23, -131.9% unrealised (book of 2026-11-05); The Compound (wikifolio): 300 shares · average entry €12.13 (book of 2026-11-05). A record of what the diary does, not a recommendation to do the same.

What does Nu Holdings Ltd do?

Nu Holdings runs a digital banking platform across Brazil, Mexico, Colombia, the Cayman Islands and the United States, known in its home market as Nubank. It offers credit and prepaid cards, personal and business accounts, loans, investing tools and insurance, mostly through its mobile app. The company is based in Sao Paulo and listed in the United States in 2021. Closelooknet's peer group places Nu in the HALO Growth 100's Payments & Financial Infrastructure sleeve, alongside Toast, HDFC Bank, Verisk Analytics, Deutsche Börse, CME Group, Adyen and Wise, businesses built on payment rails and data that are difficult to replace. The market also compares it with PayPal as a digital-finance peer. (Company snapshot of 2026-10-25.)

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

Nu sits on the user side of the AI build-out, in the AI Users index under the Decision Intelligence & Risk section, where AI underwrites credit, screens fraud and resolves complex decisions inside the bank. By March 2025 the company documented a generative-AI chat assistant in production, resolving 55% of level-one queries and cutting response times by about 70%, acting on its own rather than assisting staff. By December 2024 it had already described generative AI executing Pix transfers from voice, text or image requests, inside the app and on WhatsApp. By November 2025 it disclosed nuFormer, a transformer foundation model built on its own transaction data, in use from about June 2025 to drive a Brazil credit-card limit upgrade with 330 million parameters, also acting on its own. Nu holds a seat in the HALO Growth 100 and in the AI Users index's Decision Intelligence & Risk section. It carries a Closelooknet score across three modules, strongest on quality and weakest on valuation. The diary records no quotes or coverage mentions for it so far. (Company snapshot of 2026-10-25.)

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. As of 2026-11-05; the "Dividends and capital return" 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 Monness Crespi on 2026-10-26 (target 20). 5 actions on the analyst wire since 2026-08-13: 1 initiation, 4 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.

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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.