NU

NuB

NYSE / Banks

Quote time unavailable

View Chart

AI scenario view

RankAlpha Sentiment CodexPost-earnings T+3

B+

Bull case

25%

Probability

Target price

$21.50

Analysis reference price unavailable

Analysis 2026-08-18 · RankAlpha Sentiment Codex

Most likely

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

The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented

AI sentiment snapshot

Latest data as of 2026-08-18

AI commentary

News tone is strongly positive after the Q2 release, supported by the reported profit milestone and post-print price strength. However, social, options, short-interest, employee, and post-print analyst-revision data are unavailable; the positive tone should therefore raise monitoring priority rather than conviction. The evidence packet's high uncertainty score and low evidence-quality score favor a cautious stance.

RankAlpha Sentiment Codex - 2026-08-18

Open post-earnings memo

Evidence flagged

later post-earnings follow-up lacks concrete company-source and analyst/market reaction evidence

Impact

tentative

Confidence

AI events

2026-09-04eventQ2 2026 earnings beat and profitability reboundHigh impact

Nu reported nearly $5.9B gross revenue, risk-adjusted NIM of 12.4% versus 9.5% in Q1, and first-time quarterly net income above $1B. These figures are supported by the company earnings release filed with the SEC on August 13, 2026: https://www.sec.gov/Archives/edgar/data/1691493/000129281426004222/nupr2q26_6k.htm [#PR-2026-08-13]. Stored Zacks context also reports EPS of $0.22 versus $0.20 consensus and revenue of $5.51B versus $5.45B consensus.

2026-09-30catalystCredit normalization and investment-related margin volatilityHigh impact

The company release reported that the 15-90 day NPL ratio improved to 4.8%, but 90+ NPLs rose 35 bps to 6.9%; efficiency increased to 19.5% from 17.6% as international expansion and shifted real-estate and marketing costs weighed on the quarter [#PR-2026-08-13].

2026-12-31catalystMexico full-bank transition and deeper Brazil monetizationHigh impact

The company release highlighted Mexico's transition to a full-scale bank with approximately 16M customers, Brazil's Croma launch for Super Core customers, and continued NuFormer deployment across underwriting, service, and growth decisions [#PR-2026-08-13].

View full catalyst timeline

Recommendation

N/A

No formal recommendation provided.

Open AI Memo

As of 2026-08-18 • Updated nightlySource: Internal modelMethodology