Wall Street analyst estimates for Nu Holdings Ltd. (NU): consensus price target, buy/hold/sell recommendations and forecasts for revenue and EPS for the upcoming fiscal years.
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and m...
Consensus price target
$17.36 (+50% vs price $11.61)
between $13.00 and $20.50 · 6 targets published in the last quarter
Closing price, Nov 3
A twelve-month target is not a fair value: compare it with the range in the Valuation tab.
Revenue and EPS estimates
| Fiscal year | Revenue (average) | Revenue (low – high) | EPS (average) | Analysts |
|---|---|---|---|---|
| 2026E | $22.7B | $22.6B – $22.9B | $0.87 | 13 |
| 2027E | $28.2B | $27.4B – $29.8B | $1.14 | 13 |
| 2028E | $35.2B | $32.1B – $37.6B | $1.47 | 12 |
Figures in USD · consensus as of November 1, 2026
Analyst Consensus
| Strong Buy | 0 |
| Buy | 13 |
| Hold | 9 |
| Sell | 1 |
| Strong Sell | 0 |
| Total analysts | 23 |
| Avg rating (−2 sell to +2 buy) | 0.52 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-12 | $0.23 | ||
| 2026-08-13 | $0.22 | $0.20 | +10.9% |
| 2026-05-14 | $0.19 | $0.20 | -4.2% |
| 2026-02-25 | $0.19 | $0.20 | -4.9% |
| 2025-11-13 | $0.17 | $0.16 | +6.3% |
| 2025-08-14 | $0.14 | $0.13 | +5.0% |
| 2025-05-13 | $0.11 | $0.12 | -5.1% |
| 2025-02-20 | $0.12 | $0.12 | +0.8% |
Valuation Ratios
| P/E Ratio | 15.69 |
| Price / Book | 4.26 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $208.0M | $359.5M | $359.9M | $1.15B | $2.97B | $5.63B | $8.27B | $11.30B |
| Cost of Revenue | $118.6M | $175.2M | $169.5M | $480.6M | $1.40B | $2.29B | $3.17B | $4.18B |
| Gross Profit | $89.3M | $184.4M | $190.4M | $664.6M | $1.57B | $3.35B | $5.10B | $7.12B |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $82.4M | $198.1M | $264.5M | $659.9M | $1.43B | $1.14B | $1.44B | $602.2M |
| Operating Expenses | $122.7M | $313.7M | $383.6M | $834.7M | $1.88B | $1.81B | $2.31B | $3.25B |
| Operating Income | -$33.4M | -$129.3M | -$193.2M | -$170.2M | -$308.9M | $1.54B | $2.80B | $3.87B |
| EBITDA | -$32.3M | -$124.2M | -$185.8M | -$152.8M | -$273.3M | $1.60B | $2.87B | $3.97B |
| Interest Expense | $45.4M | $109.7M | $215.1M | $367.3M | $1.55B | $2.04B | $2.83B | $4.58B |
| Pre-tax Income | -$33.4M | -$129.3M | -$193.2M | -$170.2M | -$308.9M | $1.54B | $2.80B | $3.87B |
| Income Tax | -$4.8M | -$36.8M | -$21.7M | -$4.8M | $55.7M | $508.5M | $823.1M | $996.7M |
| Net Income | -$28.6M | -$92.5M | -$171.5M | -$165.0M | -$364.6M | $1.03B | $1.97B | $2.87B |
| EPS | -$0.01 | -$0.02 | -$0.04 | -$0.04 | -$0.08 | $0.22 | $0.41 | $0.59 |
| EPS (Diluted) | -$0.01 | -$0.02 | -$0.04 | -$0.04 | -$0.08 | $0.21 | $0.40 | $0.58 |
| Shares Outstanding (Diluted) | 4,608.7 M | 4,608.7 M | 4,608.7 M | 4,610.0 M | 4,677.0 M | 4,857.6 M | 4,888.9 M | 4,907.4 M |
Price
| Price | $11.61 (closing price, November 3, 2026) |
| Market Cap | $56.1B |
| Exchange | NYSE |
| Country | BR |
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Explore sector: Financial Services · Banks - Regional
More sections of NU: Overview · Financials · Valuation · Technical · Ownership
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