B+
Bull case
25%
Probability
Target price
$21.50
Analysis reference price unavailable
Analysis 2026-08-18 · RankAlpha Sentiment Codex
NU
NuBNYSE / Banks
Last Price
Quote time unavailable
Current thesis
The Q2 print supports a positive monitoring thesis: stronger risk-adjusted NIM, record profitability, customer growth, Mexico's banking transition, and expanding AI use could support continued earnings growth. The company earnings release supports these operating claims [#PR-2026-08-13].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +23.7.
What can break
90+ delinquency increased to 6.9% and could worsen if higher-risk lending cohorts underperform.
Momentum
42
Value
45
Sentiment
81
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.25 · Bull $21.50 · Bear $11.80Analysis 2026-08-18; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-18 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-29
Investment thesis
As of 2026-10-29
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $18.82
Why
Momentum42 · Δ7d -38.7
Value45 · Δ7d +1.6
Sentiment81 · Δ7d +23.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +23.7.
Contradictions & invalidation
- • 90+ delinquency increased to 6.9% and could worsen if higher-risk lending cohorts underperform.
- • International expansion, Mexico investment, and shifted marketing or real-estate costs could pressure efficiency.
- • The positive quarter does not eliminate execution risk.
Catalyst clock
2026-09-04
Q2 2026 earnings beat and profitability rebound
Lead driver: Sentiment · See AI snapshot
Momentum
42
8% active weight
Current posture
7d trendSoftening
Δ7d
-38.7
Δ21d
-18.3
Value
45
47% active weight
Current posture
7d trendImproving
Δ7d
+1.6
Δ21d
+2.9
Sentiment
81
45% active weight
Current posture
7d trendImproving
Δ7d
+23.7
Δ21d
+23.3
Why this grade
Composite grade B. Momentum 42.0 / Value 45.1 / Sentiment 80.6
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-18. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$18.25
Analysis reference price unavailable
Analysis 2026-08-18 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$11.80
Analysis reference price unavailable
Analysis 2026-08-18 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-29
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$58.21B
Beta
1.08
Shares Out
4.83B
P/E (TTM)
34.8
P/S (TTM)
6.17
P/FCF (TTM)
23.71
Rev YoY
+53.6%
EPS YoY
+65.4%
Gross Margin
+42.9%
Op Margin
+24.5%
Net Debt
$27.03B
Current Ratio
0.66
As of 2026-10-29 • Updated nightlySource: Internal modelMethods & Data