NU Should I Buy
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Nu Holdings Ltd (NU) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. Despite recent price volatility, the company's strong financial performance, positive analyst sentiment, and growth potential in international markets make it a compelling long-term investment opportunity.
The MACD is negatively expanding with a histogram of -0.205, indicating bearish momentum. RSI is at 21.891, suggesting the stock is nearing oversold territory. Moving averages are converging, and the current price is near the support level of 15.474, which could indicate a potential bounce. However, the stock remains below the pivot level of 16.448.
Record Q4 2025 financial performance with a 56.45% YoY revenue increase and 61.48% YoY net income growth.
Plans for international expansion and integration of AI technologies.
Analysts have raised price targets, with Susquehanna and Grupo Santander projecting a $22 target, indicating confidence in the company's growth trajectory.
Recent 9.55% drop in share price due to investor concerns over cost structure and credit risk trends.
Gross margin declined by 6.09% YoY in Q4
Bearish technical indicators, including a negatively expanding MACD and stock trading below the pivot level.
In Q4 2025, Nu Holdings achieved $4.56 billion in revenue, up 56.45% YoY, and $892 million in net income, up 61.48% YoY. EPS increased by 63.64% YoY to $0.18. However, gross margin dropped to 69.82%, down 6.09% YoY, reflecting some cost pressures.
Analysts are optimistic about Nu Holdings' growth prospects. Susquehanna raised the price target to $22, citing global expansion potential. Grupo Santander upgraded the stock to Outperform with a $22 target, highlighting accelerating growth in Brazil and Mexico. UBS raised its target to $18.40 but maintained a Neutral rating.
