Nu Holdings Ltd. shares fell 5.01% as the stock crossed below its 5-day SMA amid a broader market decline, with the Nasdaq-100 down 1.42% and the S&P 500 down 0.82%.
The company received conditional approval from the OCC to establish Nubank, N.A., a significant milestone in its U.S. expansion strategy. This approval is expected to facilitate the launch of deposit accounts, credit cards, and loans, enhancing Nu's competitive position in the U.S. market. Co-founder Cristina Junqueira will lead U.S. operations, supported by former Central Bank of Brazil President Roberto Campos Neto as Chairman, ensuring compliance and competitiveness in the U.S. landscape.
This regulatory milestone positions Nu for long-term growth in the U.S. market, leveraging its existing customer base of over 127 million globally. The positive market reaction, reflected in increased retail sentiment on Stocktwits, indicates investor optimism about Nu's future prospects despite the current stock decline.
Wall Street analysts forecast NU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NU is 18.80 USD with a low forecast of 16.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
Wall Street analysts forecast NU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NU is 18.80 USD with a low forecast of 16.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Buy
2 Hold
0 Sell
Strong Buy
Current: 18.760
Low
16.00
Averages
18.80
High
22.00
Current: 18.760
Low
16.00
Averages
18.80
High
22.00
Susquehanna
Positive
maintain
$19 -> $22
2026-01-27
New
Reason
Susquehanna
Price Target
$19 -> $22
AI Analysis
2026-01-27
New
maintain
Positive
Reason
Susquehanna raised the firm's price target on Nu Holdings to $22 from $19 and keeps a Positive rating on the shares. The firm sees a good setup for 2026 as they sense they are growing closer to a period of global expansion for NU as it templatizes its expansion beyond Brazil, Mexico, and Colombia into the US. They also remain confident in the company's underlying asset quality, with relatively stable delinquency rates and attractive unit economics across its existing markets.
UBS
Thiago Batista
Neutral
maintain
$16
2025-12-04
Reason
UBS
Thiago Batista
Price Target
$16
2025-12-04
maintain
Neutral
Reason
UBS analyst Thiago Batista raised the firm's price target on Nu Holdings to $18.40 from $16 and keeps a Neutral rating on the shares.
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Grupo Santander
Neutral -> Outperform
upgrade
$22
2025-12-03
Reason
Grupo Santander
Price Target
$22
2025-12-03
upgrade
Neutral -> Outperform
Reason
Grupo Santander upgraded Nu Holdings to Outperform from Neutral with a $22 price target. The company's growth is accelerating with Brazil "back in gear" and Mexico "surging ahead," the analyst tells investors in a research note.
JPMorgan
Guilherme Lago
Overweight
maintain
$17 -> $18
2025-11-20
Reason
JPMorgan
Guilherme Lago
Price Target
$17 -> $18
2025-11-20
maintain
Overweight
Reason
JPMorgan raised the firm's price target on Nu Holdings to $18 from $17 and keeps an Overweight rating on the shares after speaking with CFO Guilherme Lago. Nu continues to see controlled asset quality across products and geographies, the analyst tells investors in a research note. The firm says the company's personal loans in Mexico are performing better than expected on both volumes and asset quality.
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.
