NU

NuC

NYSE / Banks

At close

2026-07-21

Current thesis

Bull case assumes Nu accelerates user monetization and loan growth with stable credit performance, leading to multiple expansion above current consensus and material upside versus the anchor. Execution of cross‑sell and improved NIMs combined with favorable FX and payments volumes could support our $25.00 bull target.

Posture

Mixed

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta -8.5.

What can break

Credit deterioration in core LatAm markets

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $19.00 · Bull $25.00 · Bear $12.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-28 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $17.53

Why

Momentum39 · Δ7d -3.7

Value43 · Δ7d -0.4

Sentiment71 · Δ7d -8.5

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-3.7

Δ21d

+28.4

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.4

Δ21d

+0.7

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-8.5

Δ21d

-13.8

Why this grade

Composite grade C. Momentum 38.9 / Value 43.4 / Sentiment 71.1

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$67.58B

Beta

1.08

Shares Out

4.83B

P/E (TTM)

34.8

P/S (TTM)

6.17

P/FCF (TTM)

23.71

Rev YoY

+56.1%

EPS YoY

+55.2%

Gross Margin

+42.9%

Op Margin

+25.3%

Net Debt

$27.03B

Current Ratio

0.69

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology