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, international expansion plans, and improving revenue diversification make it a compelling choice despite minor short-term technical weaknesses.
The MACD histogram is negative (-0.227) but contracting, indicating potential stabilization. RSI is at 28.161, suggesting the stock is nearing oversold territory. Moving averages are converging, showing no clear trend. Key support is at $14.504, with resistance at $15.81. The stock is trading near support levels, which could present a good entry point.
Revenue increased 56.45% YoY in Q4 2025, with net income up 61.48% and EPS up 63.64%.
Significant loan portfolio growth and international expansion plans.
Analysts from Morgan Stanley and Susquehanna maintain positive ratings and raised price targets, citing strong long-term growth potential.
UBS recently lowered its price target to $17.20, citing a neutral outlook.
Gross margin dropped by 6.09% YoY, indicating potential cost pressures.
Challenges from the upcoming credit cycle and economic volatility.
In Q4 2025, Nu Holdings reported revenue of $4.56 billion, up 56.45% YoY. Net income increased to $892 million, up 61.48% YoY, and EPS rose to $0.18, up 63.64% YoY. However, gross margin dropped to 69.82%, down 6.09% YoY.
Mixed ratings with a positive skew. Morgan Stanley and Susquehanna raised price targets to $21 and $22, respectively, citing strong growth and international expansion. UBS lowered its price target to $17.20, maintaining a neutral stance.
