Has The Market Run Too Far With Nu Holdings (NU) After Its 3-Year Rally?

Simply Wall St.02-01 17:23

Curious whether Nu Holdings at around US$17.75 is priced for perfection or still offers value, this article walks through what the current market price might be implying. Nu Holdings' share price has ...

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Nu Holdings' share price has ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/has-the-market-run-too-far-with-nu-holdings-nu-after-its-3-y\">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":"BK4207","symbol_name":"综合性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/has-the-market-run-too-far-with-nu-holdings-nu-after-its-3-y","article_id":"2608888821","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/has-the-market-run-too-far-with-nu-holdings-nu-after-its-3-y","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2608888821","pubTimestamp":1769937811,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Curious whether Nu Holdings at around US$17.75 is priced for perfection or still offers value, this article walks through what the current market price might be implying.\nNu Holdings' share price has moved by a 1.6% decline over the last week, a 4.3% gain over the last month and year to date, and 34.1% over the last year, with a very large 3 year return of 262.2%, which hints that expectations have shifted a lot since it first listed.\nRecent news coverage has focused on Nu Holdings as a...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4207":"综合性银行","LU0449509016.USD":"HSBC GIF BRIC EQUITY \"AC\" (USD) ACC","LU0214875030.USD":"HSBC GIF BRIC EQUITY \"M2C\" (USD) ACC","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","LU0196696453.USD":"HSBC GIF BRAZIL EQUITY \"AC\" (USD) ACC","LU0572108347.SGD":"Blackrock Latin American A2 SGD-H","LU0823046494.USD":"AMUNDI FUNDS LATIN AMERICA EQUITY \"A2\" (USD) ACC","LU0456842615.SGD":"JPMorgan Funds - Emerging Markets Equity A (acc) SGD","LU0531971322.HKD":"HSBC GIF BRAZIL EQUITY \"AD\" (HKD) INC","LU0823046577.USD":"AMUNDI FUNDS LATIN AMERICA EQUITY \"A2\" (USD) INC","LU2045819591.USD":"Natixis WCM Global Emerging Markets Equity R/A USD","LU0050427557.USD":"富达拉丁美洲基金","GB00BDT5M118.USD":"天利环球扩展Alpha基金A Acc","IE00BGV7N243.SGD":"FSSA Global Emerging Markets Focus I Acc SGD","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","LU0788109048.HKD":"BGF LATIN AMERICAN \"A2\" (HKDHGD) ACC","LU2125910500.SGD":"Natixis WCM Global Emerging Markets Equity H-R/A SGD","LU0265267285.USD":"BNP PARIBAS BRAZIL EQUITY \"C\" (USD) INC","LU1868837565.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES \"1\" (USD) ACC","LU0531970944.HKD":"HSBC GIF BRIC EQUITY \"AC\" (HKD) ACC","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","LU0053687314.USD":"JPM LATIN AMERICA EQUITY \"A\" INC","LU1868838027.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES \"8\" (USD) ACC","LU0265266980.USD":"法巴巴西股票基金","LU1481012133.USD":"FIDELITY EMERGING MARKETS \"A\" (USDHDG) INC","LU0086394185.USD":"SCHRODER ISF LATIN AMERICAN \"A\" (USD) INC AV","NU":"Nu Holdings Ltd.","LU1861217088.USD":"贝莱德金融科技A2","BK4559":"巴菲特持仓","LU0261950470.USD":"FIDELITY EMERGING MARKETS \"A\" ACC","LU0048575426.USD":"FIDELITY EMERGING MARKETS \"A\" INC","LU0256859116.SGD":"施罗德拉丁美洲A Acc SGD","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","LU0143863198.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES\"AU\" (USD) ACC","LU0254981946.USD":"HSBC GIF BRIC MARKETS EQUITY \"AC\" (USD) ACC","LU0396314238.USD":"abrdn SICAV I - LATIN AMERICAN EQUITY \"A\" (USD) ACC"},"translate_title":"Nu Holdings(NU)在经历了3年的上涨之后，市场是否走得太远了？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NU":1.5},"content_text":"Curious whether Nu Holdings at around US$17.75 is priced for perfection or still offers value, this article walks through what the current market price might be implying. Nu Holdings' share price has moved by a 1.6% decline over the last week, a 4.3% gain over the last month and year to date, and 34.1% over the last year, with a very large 3 year return of 262.2%, which hints that expectations have shifted a lot since it first listed. Recent news coverage has focused on Nu Holdings as a prominent Latin American digital bank, highlighting its growing customer reach and role in expanding access to financial services in its core markets. At the same time, commentators have been debating what these developments might mean for long term profitability and whether the current share price fully reflects execution risks. Despite this backdrop, Nu Holdings currently scores 0 out of 6 on our valuation checks (which you can see in detail in its valuation score), so we will look at what traditional valuation approaches say about the stock and then finish with a different way to think about value that could be more useful for long term investors.  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 over and above the return that shareholders require, then capitalises those excess profits into a per share value. For Nu Holdings, the model starts with a Book Value of $2.18 per share and a Stable EPS of $1.12 per share, based on weighted future return on equity estimates from 10 analysts. The implied Cost of Equity is $0.42 per share, so the estimated Excess Return is $0.70 per share. That is supported by an average Return on Equity of 30.65% and a Stable Book Value estimate of $3.66 per share, sourced from seven analysts. When those excess returns are projected forward and discounted, the model arrives at an intrinsic value of about $12.07 per share for Nu Holdings. Against a market price around US$17.75, the Excess Returns model suggests the shares are roughly 47.1% above this estimate. This points to a stock that is priced generously rather than conservatively. Result: OVERVALUED Our Excess Returns analysis suggests Nu Holdings may be overvalued by 47.1%. Discover 875 undervalued stocks or create your own screener to find better value opportunities. NU Discounted Cash Flow as at Feb 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 like Nu Holdings, the P/E ratio is a useful shorthand for how much you are paying for each dollar of earnings. It ties directly to what matters most over time: the earnings the business can produce for shareholders. What counts as a \"normal\" or \"fair\" P/E depends on how quickly earnings are expected to grow and how risky those earnings are. Higher growth or lower perceived risk can justify a higher P/E, while slower or more uncertain earnings usually argue for a lower one. Nu Holdings currently trades on a P/E of 34.01x. That sits above the Banks industry average of 11.75x and the peer average of 13.11x. Simply Wall St's Fair Ratio for Nu Holdings is 22.45x, which is its proprietary view of what the P/E \"should\" be after considering factors like earnings growth, profit margins, industry, market cap and company specific risks. Because it is tailored to the company, this Fair Ratio is more informative than a simple comparison with broad industry or peer averages. Comparing the Fair Ratio of 22.45x with the current P/E of 34.01x suggests Nu Holdings is trading on a richer multiple than its fundamentals explain. Result: OVERVALUED NYSE:NU P/E Ratio as at Feb 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1426 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, so let us introduce you to Narratives. These are simply your own story about Nu Holdings linked directly to your assumed fair value and expectations for future revenue, earnings and margins. On Simply Wall St, Narratives live in the Community page and let you connect the company’s story to a financial forecast, then to a fair value that you can compare with the current share price to decide whether you might buy, hold or sell. As news, earnings or other data come in, the assumptions inside a Narrative update, so your view of fair value moves with the information rather than staying frozen in time. For example, one Nu Holdings Narrative might assume a much higher fair value because it expects stronger revenue growth and margins, while another could point to a lower fair value based on more cautious estimates, showing how two investors can look at the same stock and reach very different conclusions. 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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