QualityDipStocks / Finance · Consumer finance
Nu NU
In a deep dip: 38% below its 52-week high.
A quality company. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- —
- Off 52-wk high
- −38%
- Risk vs market
- Above marketbeta 1.47
5 bullish · 4 bearish See why
Key levels
Every level vs today’s $11.61
- 52-wk lowlowest close, 1 year$11.60−0.1%
- PriceFri Oct 30 close$11.61you are here
- 52-wk highhighest close, 1 year$18.76+61.6%
Fair value estimate
Estimate unreliable for NU: earnings swing too much for a book-value model (return on equity ranged from -8% to 30% across FY2021–2025 and the latest 12 months). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much NU moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings more than the market, and its own price swings are 3.6× the S&P 500’s.
- Beta vs S&P 500
- 1.47
- Volatility
- 46% vs 13% SPY
- Correlation SPY
- 0.41
- Correlation QQQ
- 0.34
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
ValuationP/E of 20.4× is 35% below its own average of 31.2× at the last 3 fiscal year-ends.
GrowthSales compounded 49% a year from FY2022 to FY2025.
GrowthSales grew 37% to $15.8B over the last 12 months vs the 12 months before (SEC filings).
GrowthDiluted EPS grew 45% to $0.58 in FY2025.
TechnicalA company that passes our quality screen, now 38% off its 52-week high (deep dip).
Top bearish points 4 of 5
ValuationPrice / book of 5.2×, above the 1.8× median for the 143 Finance companies we cover.
ProfitabilityNet margin of 18%, below the 21% median for the 142 Finance companies we cover.
RiskCyclical business: one strong year of cash flow can make it look cheaper than it is.
RiskReports earnings Nov 12 (consensus EPS $0.23): results can move the price sharply and reset Market Value.
Who’s talking about it
Notable investors, executives, analysts and public figures on Nu in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Consumer finance
All fundamentals
P/E 20.4 · ROE 30% · Sales +37%
Valuation
- P/E
- 20.4×3-yr-end avg 31.2× · Finance median 13.5×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 3.71×
- Price / book
- 5.18×
- Market cap
- $58.5Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $15.8B
- Sales growth, 12 months
- +37.0%vs the 12 months before
- Sales growth, 3 yrs
- +48.8%/yrfrom FY2022
- Diluted EPS, 12 months
- $0.58
- EPS growth, last FY
- +44.9%
- Net income, 12 months
- $2.9B
- Net income growth
- +45%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 18.2%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 30%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $15.0B
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Dec 31, 2025; balance sheet at Dec 31, 2025. From Nu’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. We watch it daily for our three reversal signal rules while it sits in a dip.
Momentum & 52-week range
RSI 31 · 5 days −23.4%
The business
FCF $-1.7B · Sales +50%
- Free cash flow, 12 months−$1.7B
- Free-cash-flow yield−2.9%
- Return on equity32%
- Sales growth (latest quarter vs year-ago quarter)+50%
Next report
Nov 12
- DateThu Nov 12
- Consensus EPS$0.23
- Year-ago EPS$0.17
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
Get a text when NU fires a reversal signal
One text when a published rule fires on NU or any of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.