IEMG ETF 52-Week Price Analysis
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 09 2026
0mins
Should l Buy NU?
Source: NASDAQ.COM
- Price Range Analysis: IEMG ETF's 52-week low is $47.29 per share, with a high of $74.699, and a recent trade at $74.17, indicating fluctuations near the high point that may influence investor buying decisions.
- Technical Analysis Tool: Comparing the current share price to the 200-day moving average provides valuable insights for investors, helping to assess market trends and potential buy or sell opportunities.
- ETF Unit Trading Mechanism: ETFs trade like stocks, where investors buy and sell 'units' that can be created or destroyed based on demand, impacting the ETF's liquidity and market performance.
- Inflows and Outflows Monitoring: Weekly monitoring of changes in shares outstanding helps identify significant inflows (new units created) or outflows (old units destroyed), which directly affect the ETF's underlying holdings and market dynamics.
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Analyst Views on NU
Wall Street analysts forecast NU stock price to rise
9 Analyst Rating
7 Buy
2 Hold
0 Sell
Strong Buy
Current: 15.060
Low
16.00
Averages
18.80
High
22.00
Current: 15.060
Low
16.00
Averages
18.80
High
22.00
About NU
Nu Holdings Ltd is a Brazil-based holding company, which engages in the provision of digital banking services. The Company offers its customers products across the five financial seasons: spending, saving, investing, borrowing, and protecting. Its spending solutions are designed to help customers pay for goods and services in their everyday lives with a customized credit line or instantly through a mobile phone, while collecting loyalty points and rewards on applicable transactions. Its savings solutions are designed to help customers deposit, manage, and save their money in interest-earning accounts with complementary debit cards. Its investing solutions are designed to help customers invest their money in investment products and services. Its borrowing solutions are designed to provide customers with unsecured loans that are easy to receive, manage, and pay back. Its protecting solutions are designed to help customers secure life insurance and funeral benefits.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
- Significant Earnings Growth: Nu Holdings reported a 45% increase in sales and a 50% rise in net income for Q4, demonstrating strong performance in the Latin American market, although the market remains cautious about its future expansion plans.
- Customer Base Expansion: Active customer numbers and average revenue per user grew by 15% and 27%, respectively, indicating effective strategies in customer acquisition and revenue growth, thereby enhancing its competitive position in the fintech sector.
- Expansion Plans Bring Risks: While Nu received conditional approval for a bank charter in the U.S., its global expansion plans may introduce regulatory risks and pressure on margins during the initial phases, necessitating close monitoring by investors.
- AI Integration Progress: Nu aims to further integrate AI-powered underwriting models in Brazil and Mexico, which could yield significant potential benefits; however, this transition also carries uncertainties and risks that investors should carefully evaluate for long-term implications.
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- Loan Portfolio Growth: Nu Holdings' loan portfolio surpassed $27 billion in 2025 and later exceeded $30 billion, indicating strong year-over-year growth; however, the upcoming credit cycle will be a critical test of sustainability.
- Asset Quality Control: While delinquency ratios remain manageable in the mid-single digits, economic volatility and inflation could quickly deteriorate household financial conditions, impacting the company's loan performance and profitability.
- Market Risk Assessment: Brazil and Mexico present both opportunities and risks, prompting investors to monitor whether Nu Holdings can maintain strict underwriting discipline during tightening macro conditions to uphold its high return on equity and market credibility.
- Valuation Risk Warning: With a price-to-earnings ratio of 31, Nu Holdings reflects market confidence in its ongoing expansion, but significant asset quality deterioration could compress earnings rapidly, necessitating caution from investors regarding high-multiple stocks during earnings volatility.
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- Loan Portfolio Growth: Nu Holdings' loan portfolio surpassed $27 billion in 2025 and later exceeded $30 billion, indicating strong year-over-year growth; however, economic volatility could impact asset quality, yet the company's performance in consumer lending remains robust.
- Profitability Risks: While Nu Holdings shows impressive net interest income and return on equity in favorable economic conditions, tightening macroeconomic environments could rapidly deteriorate early delinquency indicators, posing a threat to profitability.
- Market Confidence: With a price-to-earnings ratio of 31, Nu Holdings reflects market confidence in its sustainable expansion and disciplined execution, but significant deterioration in asset quality could compress earnings quickly, exposing high-multiple stocks to greater risks.
- Strategic Transition: The company is transitioning from a disruptor to a dominant financial platform, with investors keenly observing its ability to maintain asset quality and profitability under stress to solidify its position as a regional banking leader.
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- Revenue and Profit Growth: In Q2 2025, Nu Holdings reported revenue of $3.7 billion, a year-over-year increase of approximately 40%, with net income at $637 million and an annualized ROE of 28%, indicating a significant enhancement in profitability and marking its transition from a startup to a mature banking entity.
- Loan Business Expansion: By Q3 2025, Nu's loan portfolio exceeded $30 billion, reflecting over 40% year-over-year growth, while maintaining asset quality with early delinquency rates around 4% to 5%, demonstrating effective risk management amidst rapid credit expansion.
- User Base and Customer Value Enhancement: As of Q3 2025, Nu's user base reached 127 million, with average revenue per active customer (ARPAC) climbing to $13 per month, and mature cohorts generating nearly $27 per month, highlighting significant progress in deepening customer relationships and increasing customer value.
- International Expansion Strategy: Nu is exploring shifting its legal domicile to the UK to improve access to global capital markets and regulatory flexibility, while preparing for a potential U.S. presence, reflecting its long-term ambitions in emerging markets, particularly in underbanked regions like South Africa and the Philippines.
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- Profitability Boost: In Q2 2025, Nu Holdings generated $3.7 billion in revenue, a 40% year-over-year increase, with net income of $637 million and an annualized ROE of 28%, indicating that its digital banking model has achieved sustainable profitability and competitive advantage.
- Lending Expansion: The company's loan book exceeded $27 billion in Q2 2025 and surpassed $30 billion by Q3, reflecting over 40% year-over-year growth while maintaining early delinquency rates between 4% and 5%, demonstrating effective risk management alongside credit expansion.
- Deepening Customer Relationships: By Q3 2025, Nu's user base reached 127 million, with average revenue per active customer climbing to $13 per month and nearly $27 for mature cohorts, highlighting a strategic shift towards increasing customer value rather than merely expanding the user base.
- International Expansion Strategy: Nu is exploring shifting its legal domicile to the UK to enhance access to global capital markets and regulatory flexibility while preparing for a potential U.S. presence, indicating a long-term focus on underbanked regions like South Africa and the Philippines.
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