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. The company's strong financial growth, positive analyst sentiment, and potential for global expansion outweigh the minor technical weaknesses and pre-market price dip. The stock is well-positioned for long-term growth, making it a suitable investment for the user's profile.
The MACD is negative and expanding, indicating bearish momentum. RSI is neutral at 35.615, and moving averages are converging, showing no clear trend. The stock is trading near its support level of 16.757, with resistance at 18.362. Overall, the technical indicators suggest a cautious but not overly bearish outlook.
Analysts have raised price targets, with Susquehanna and Grupo Santander projecting $22, citing strong growth in Brazil, Mexico, and Colombia, and potential for global expansion.
Revenue and net income grew over 41% YoY in Q3 2025, showcasing robust financial performance.
The company's personal loans in Mexico are performing better than expected, indicating strong asset quality.
Gross margin declined by 6.75% YoY in Q3 2025, which could indicate rising costs or pricing pressures.
The MACD and pre-market price dip suggest short-term bearish sentiment.
No significant hedge fund or insider trading trends, indicating a lack of strong institutional conviction.
In Q3 2025, Nu Holdings reported a 41.06% YoY increase in revenue to $4.07 billion, a 41.40% YoY increase in net income to $782.47 million, and a 45.45% YoY increase in EPS to $0.16. However, gross margin dropped by 6.75% YoY to 68.64%. Overall, the company demonstrated strong growth despite a slight decline in profitability metrics.
Analysts are optimistic about Nu Holdings, with multiple firms raising price targets recently. Susquehanna and Grupo Santander project a $22 price target, citing strong growth and global expansion potential. UBS raised its target to $18.40 but maintained a Neutral rating, while JPMorgan remains Overweight with an $18 target. The consensus reflects confidence in the company's growth trajectory and asset quality.
