Is It Too Late To Consider Nu Holdings (NU) After A 4.6x Three Year Surge?

Simply Wall St.01-16

Wondering if Nu Holdings at around US$16.61 is still worth your attention, or if most of the easy gains are already behind it? The stock has seen a 5.7% decline over the last week, a 2.5% gain over ...

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The stock has seen a 5.7% decline over the last week, a 2.5% gain over ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/is-it-too-late-to-consider-nu-holdings-nu-after-a-46x-three\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Too Late To Consider Nu Holdings (NU) After A 4.6x Three Year Surge?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Too Late To Consider Nu Holdings (NU) After A 4.6x Three Year Surge?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-16 19:36 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/is-it-too-late-to-consider-nu-holdings-nu-after-a-46x-three><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Wondering if Nu Holdings at around US$16.61 is still worth your attention, or if most of the easy gains are already behind it? The stock has seen a 5.7% decline over the last week, a 2.5% gain over ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/is-it-too-late-to-consider-nu-holdings-nu-after-a-46x-three\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2045819591.USD","symbol_name":"Natixis WCM Global Emerging Markets Equity R/A USD","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/is-it-too-late-to-consider-nu-holdings-nu-after-a-46x-three","article_id":"2603996913","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/company-cover/412550767-main-header/1756256225969"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/is-it-too-late-to-consider-nu-holdings-nu-after-a-46x-three","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2603996913","pubTimestamp":1768563386,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Wondering if Nu Holdings at around US$16.61 is still worth your attention, or if most of the easy gains are already behind it?\nThe stock has seen a 5.7% decline over the last week, a 2.5% gain over the past month, is down 2.4% year to date, while sitting on a 47.3% return over 1 year and a very large 3 year gain of about 4.6x.\nRecent coverage of Nu Holdings has focused on its role as a large Latin American digital bank and how its scale and customer reach have put it on many growth...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU2045819591.USD":"Natixis WCM Global Emerging Markets Equity R/A USD","LU0050427557.USD":"富达拉丁美洲基金","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","LU0396314238.USD":"abrdn SICAV I - LATIN AMERICAN EQUITY \"A\" (USD) ACC","LU0196696453.USD":"HSBC GIF BRAZIL EQUITY \"AC\" (USD) ACC","LU0823046494.USD":"AMUNDI FUNDS LATIN AMERICA EQUITY \"A2\" (USD) ACC","GB00BDT5M118.USD":"天利环球扩展Alpha基金A Acc","LU0531971322.HKD":"HSBC GIF BRAZIL EQUITY \"AD\" (HKD) INC","LU1868837565.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES \"1\" (USD) ACC","IE00BGV7N243.SGD":"FSSA Global Emerging Markets Focus I Acc SGD","LU0823046577.USD":"AMUNDI FUNDS LATIN AMERICA EQUITY \"A2\" (USD) INC","LU0072463663.USD":"Blackrock Latin American A2 USD","LU0143863784.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES\"DU\" (USD) ACC","LU0210535034.USD":"摩根大通拉丁美洲基金","LU0106259046.USD":"施罗德拉丁美洲基金","LU2125910500.SGD":"Natixis WCM Global Emerging Markets Equity H-R/A SGD","LU0196696701.USD":"HSBC GIF BRAZIL EQUITY \"AD\" (USD) INC","LU0251143458.SGD":"Fidelity Emerging Markets A-SGD","IE00B1B80R65.USD":"柏瑞拉丁美洲股票A","LU0788109048.HKD":"BGF LATIN AMERICAN \"A2\" (HKDHGD) ACC","LU0265266980.USD":"法巴巴西股票基金","LU0265267285.USD":"BNP PARIBAS BRAZIL EQUITY \"C\" (USD) INC","LU0531970944.HKD":"HSBC GIF BRIC EQUITY \"AC\" (HKD) ACC","BK4559":"巴菲特持仓","LU1861217088.USD":"贝莱德金融科技A2","LU0086394185.USD":"SCHRODER ISF LATIN AMERICAN \"A\" (USD) INC AV","LU1868838027.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES \"8\" (USD) ACC","LU0256859116.SGD":"施罗德拉丁美洲A Acc SGD","LU0053687314.USD":"JPM LATIN AMERICA EQUITY \"A\" INC","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","LU1481012133.USD":"FIDELITY EMERGING MARKETS \"A\" (USDHDG) INC","LU0143863198.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES\"AU\" (USD) ACC","NU":"Nu Holdings Ltd.","LU0048575426.USD":"FIDELITY EMERGING MARKETS \"A\" INC","LU0261950470.USD":"FIDELITY EMERGING MARKETS \"A\" ACC","BK4207":"综合性银行","LU0449509016.USD":"HSBC GIF BRIC EQUITY \"AC\" (USD) ACC","LU0214875030.USD":"HSBC GIF BRIC EQUITY \"M2C\" (USD) ACC","LU0254981946.USD":"HSBC GIF BRIC MARKETS EQUITY \"AC\" (USD) ACC","LU0572108347.SGD":"Blackrock Latin American A2 SGD-H","LU0456842615.SGD":"JPMorgan Funds - Emerging Markets Equity A (acc) SGD"},"translate_title":"在三年飙升4.6倍之后，现在考虑Nu Holdings(NU)是否为时已晚？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NU":1.5},"content_text":"Wondering if Nu Holdings at around US$16.61 is still worth your attention, or if most of the easy gains are already behind it? The stock has seen a 5.7% decline over the last week, a 2.5% gain over the past month, is down 2.4% year to date, while sitting on a 47.3% return over 1 year and a very large 3 year gain of about 4.6x. Recent coverage of Nu Holdings has focused on its role as a large Latin American digital bank and how its scale and customer reach have put it on many growth watchlists. That growing attention helps explain why the share price has been quite sensitive to shifts in risk appetite, even when there is no company specific news driving day to day moves. Despite all of that, Nu Holdings currently scores 0 out of 6 on our valuation checks. This raises a key question about how the current price stacks up against different valuation methods, and whether there is an even more useful way to think about value that we will come back to at the end of this article.  Nu Holdings scores just 0/6 on our valuation checks. See what other red flags we found in the full valuation breakdown. AdvertisementApproach 1: Nu Holdings Excess Returns Analysis The Excess Returns model looks at how much profit a company can generate above the return that shareholders typically require, then capitalises those “excess” profits into an estimated value per share. For Nu Holdings, the starting point is book value of $2.18 per share and a stable earnings figure of $1.12 per share. That stable EPS is based on weighted future Return on Equity estimates from 9 analysts. The model also assumes a cost of equity of $0.42 per share, which implies an excess return of $0.70 per share after covering shareholders’ required return. An average Return on Equity of 30.68% and a stable book value of $3.65 per share, sourced from 6 analysts, are then used to project how these excess returns might build over time. Putting those inputs together, the Excess Returns model arrives at an estimated intrinsic value of about $12.00 per share. Against a share price around $16.61, this implies Nu Holdings is about 38.6% overvalued under this approach. Result: OVERVALUED Our Excess Returns analysis suggests Nu Holdings may be overvalued by 38.6%. Discover 869 undervalued stocks or create your own screener to find better value opportunities. NU Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Nu Holdings. Approach 2: Nu Holdings Price vs Earnings For a profitable company, the P/E ratio is a useful way to think about what you are paying for each dollar of current earnings, and how that compares with other options in the market. Higher expected growth and lower perceived risk usually justify a higher “normal” P/E, while slower growth or higher risk tend to point to a lower one. Nu Holdings currently trades on a P/E of 31.82x. That sits above the Banks industry average P/E of 11.98x and also above the peer group average of 13.40x. On these simple comparisons, the market is assigning Nu a higher multiple than both its sector and peers. Simply Wall St’s Fair Ratio for Nu’s P/E is 23.44x, which is an internally calculated level that reflects factors such as earnings growth, profit margins, industry, market cap and company specific risks. Because it brings all of these into one yardstick, the Fair Ratio can be more informative than just comparing Nu with broad industry or peer averages that may not share the same characteristics. Set against the current P/E of 31.82x, this framework suggests the shares trade above that Fair Ratio. Result: OVERVALUED NYSE:NU P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1442 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Nu Holdings Narrative Earlier we mentioned that there is an even better way to understand valuation. This is where Narratives come in as a simple way for you to connect your view of Nu Holdings’ business with the numbers behind it and arrive at your own fair value. A Narrative on Simply Wall St is your story about the company, linked directly to a forecast for future revenue, earnings and margins, and then to a fair value that you can compare with today’s share price. You can access Narratives on the Simply Wall St Community page, where millions of investors set out their assumptions, and the platform turns those into fully quantified forecasts and an implied fair value in a format that is easy to follow. Because each Narrative is tied to the latest data, new earnings releases, regulatory updates or news about Nu’s US bank charter efforts and Mexico banking approvals automatically feed through to the underlying forecast and fair value. For Nu Holdings, one investor might build a Narrative closer to the higher analyst target of US$20.00 if they focus on international expansion and product breadth. Another might anchor nearer the US$14.00 lower target if they are more cautious about competition, credit risk and regulation. Both can see on the platform how their implied fair value compares with the current price. Do you think there's more to the story for Nu Holdings? Head over to our Community to see what others are saying! NYSE:NU 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Nu Holdings might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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