Nubank (NU)
Financials · digital banking / fintech · NYSE
Nubank is a leading digital banking and financial services platform revolutionizing access to financial products across Latin America.
What Nubank does
Nubank is a digital financial services platform operating in Brazil, Mexico, and Colombia, providing mobile-first banking solutions. The company serves individual consumers and SMEs across the 'Five Financial Seasons': spending, saving, investing, borrowing, and protecting. Its platform is built on proprietary technology and data science models to provide accessible and low-cost financial services to an underbanked population.
Recent developments
The company issued a formal statement in September 2026 clarifying that it is not pursuing a transaction with Monzo, maintaining that its focus remains on strategic growth in Brazil, Mexico, Colombia, and global expansion through 'Nu Global'.
From Nubank's filing of 2026-09-30.
Themes: fintech, digital banking, financial inclusion, Latin American financial services, mobile-first finance, consumer credit
Fundamentals
- Price$15.09 as of 2026-10-20 close
- Market capn/a No figure: no filed share count for the listed shares of this foreign issuer.
- 1-year return-2.1% 2025-10-20 close $15.41 → 2026-10-20 close $15.09
- P/En/a not reported by our data source
- Net margin+17.1% FY2024, SEC XBRL
- Gross margin+45.6% FY2024, SEC XBRL
- ROE+25.8% FY2024, SEC XBRL
- ROICn/a No figure: it does not file US-GAAP statements with the SEC.
- Debt / equityn/a No figure: it does not file US-GAAP statements with the SEC.
- Revenue growth (YoY)+43.4% FY2024, SEC XBRL
- Revenue CAGR (3y)+89.3% SEC XBRL
- Beta1.36 as of 2026-09-03
- Last reported earningsn/a no confirmed date — as a foreign private issuer it reports on Form 6-K, which carries no earnings item code
How NU compares in its sector
- net profit marginmiddle range 343 covered Financials peers, as of 2026-09-03
- gross marginmiddle range 31 covered Financials peers, as of 2026-09-03
- return on equitytop 10% 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 10% 347 covered Financials peers
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
NU is not currently in any published Top 10 list. Its scores are below.
Top 10 score
49.0 #808 of 1,264 scored · #179 of 175 in Financials
Growth 96th (3-year revenue CAGR 89.3%, revenue growth year over year 45.4%) and profitability 82nd (return on equity 25.8%); weakest is financial health (9th, debt to equity 3.8).
Scores as of 16 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4. NU was not in the scored universe at the latest run on 20 Oct 2026, so these scores are its last ones.
How Nubank looks technically
Nubank (NU) is trading 2.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed below its 200-day average about 128 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 8 trading days ago. It is 20.5% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 2.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +2.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $14.49 | $14.49 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $14.70 | $14.70 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 128 trading days ago — a "death cross", a bearish long-term signal | 128 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 2.7% above | +2.7% |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend) | 17.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 54.7 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($12.75 to $16.19) — its "stochastic" reading is 68 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 68.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 12 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $18.98 | $18.98 |
|---|---|---|
| From the 52-week high | it is 20.5% below its 52-week high (its highest price of the past year) | -20.5% |
| Above the 52-week low | it is 34.7% above its 52-week low (its lowest price of the past year) | +34.7% |
| Below the 52-week high | it is 20.5% below its highest point of the past year | 20.5% |
| Since a 20-day breakout | it made a new 20-day high about 8 trading days ago | 8 sessions |
| Since a 55-day breakout | it made a new 55-day high about 8 trading days ago | 8 sessions |
| All-time high | its highest closing price on record is $18.98 (set on 2026-01-29) | $18.98 |
| Given back of the 52-week move | over the past year its closes ranged ($11.60 to $18.76), and it has recovered around half of its fall from last year’s high — 49% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.02 to $16.25. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 48.7% |
| From the all-time high | it is 20.5% below its all-time high | -20.5% |
| Nearest price level | it is trading 1.4% above a support level at $14.88 — a price it turned at twice since 2026-03-23, most recently on 2026-07-28. Since 2024-10-21 it has 8 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.4% |
| All-time low | its lowest closing price on record is $3.26 (set on 2022-05-25) | $3.26 |
| Above the all-time low | it is 362.9% above its all-time low | +362.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 97% of the past ~6 months) | 97th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.622 between its high and its low — about 4.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.622 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $12.02 and $16.79 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $12.02 – $14.40 – $16.79 |
| Typical daily range (% of price) | its price moves about 4.1% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.1% |
| Stretch from the 200-day average | it is trading 0.6 daily ranges above its 200-day average price (2.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.91× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Price gaps
3
| Gap at the open | it opened on 2026-10-20 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.8% |
|---|---|---|
| Open gap | it gapped 11.5% above the previous close 11 sessions ago and has not traded back through the level it left behind at 13.43 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +11.5% |
| Gap filled | a 3.2% gap down opened on 2026-10-15 has been "filled" 3 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 3 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 9.6 percentage points (the stock gained 10.5% while the market gained 1.0%) | +9.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.2 percentage points (the stock gained 7.9% while the market gained 3.6%) | +4.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.6 percentage points (the stock lost 0.1% while the market gained 8.5%) | -8.6% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 16.6 percentage points (the stock lost 2.1% while the market gained 14.6%) | -16.6% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.2% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.7% of the share price, which is taken to mean a barrier that gives way easily. | +1.2% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 4% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $14.52 — a volume-weighted average of daily closes over 198 sessions, not a true tick-by-tick VWAP. | +3.9% |
|---|
Double top, bearish — forming · entry $12.23 · 32 sessions in
Price levels it has turned at before
NU last closed at $15.09 on 2026-10-20. Since 2024-10-21 it has turned at 8 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $14.88 | Support | 1.4% below the last close | turned there twice · 2026-03-23 to 2026-07-28 |
| $14.48 | Support | 4.0% below the last close | turned there three times · 2024-11-26 to 2026-07-07 |
| $15.70 | Resistance | 4.1% above the last close | turned there four times · 2025-10-09 to 2026-09-03 |
| $14.14 | Support | 6.3% below the last close | turned there 9 times · 2024-11-01 to 2026-09-23 |
| $16.17 | Resistance | 7.1% above the last close | turned there five times · 2024-10-29 to 2026-10-12 |
| $16.51 | Resistance | 9.4% above the last close | turned there four times · 2025-09-23 to 2026-02-05 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading above the 50-day moving average · Tested and reclaimed 200-day support · Pulled back from the 12-month high · trendless / choppy (low ADX) · lagging the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.68 mean, 1=Strong Buy…5=Strong Sell) — 22 analysts
- Mean price target$18.77 range $12.00 – $23.00; median $19.00
Analyst estimates, as of 2026-10-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NU
- Consensus EPS estimate$0.23 next reporting period, as of 2026-10-18
- Estimate change, 30 days$0.00 (0.0%) from $0.23, on 2026-09-13, 35-day window
- Readings revised upward11% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Regulatory changes and compliance requirements in operating jurisdictions","Exposure to litigation, proceedings, or adverse legal developments","Information technology and cybersecurity risks"]
Insider activity (SEC Form 4)
0 open-market purchases and 5 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 30 days · read to 2026-10-160 buys · 1 sell ($375363) — 1 selling insider
- Last 90 days · read to 2026-10-160 buys · 5 sells ($6M) — 2 selling insiders
- Last 180 days · read to 2026-10-160 buys · 6 sells ($6M) — 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-05. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about NU's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 4 matched disclosures for NU from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Short interest (FINRA)
NU had 134,581,655 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for NU because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 134,581,655
- Prior settlement (shares) 131,670,678
- Reported change 2.21%
- Days to cover (reported) 1.69
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Banco Bradesco (BBD)
- Itaú Unibanco (ITUB)
- Banco Santander Brasil (BSBR)
- MercadoLibre (MELI)
- XP Inc. (XP)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Nubank (NU) do?
Nubank is a digital financial services platform operating in Brazil, Mexico, and Colombia, providing mobile-first banking solutions. The company serves individual consumers and SMEs across the 'Five Financial Seasons': spending, saving, investing, borrowing, and protecting. Its platform is built on proprietary technology and data science models to provide accessible and low-cost financial services to an underbanked population.
What sector is Nubank (NU) in?
Nubank (NU) is classified in the Financials sector. Its industry is digital banking / fintech. It trades on NYSE.
Who are Nubank's (NU) competitors?
Notable peers of Nubank (NU) include Banco Bradesco, Itaú Unibanco, Banco Santander Brasil, MercadoLibre and XP Inc.. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in NU?
Yes — we hold 4 matched STOCK Act disclosures for NU from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Nubank (NU) overbought or oversold right now?
Nubank (NU) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NU come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.