Should I buy Nu Holdings stock in 2025?

What is Nu Holdings?

How much is the Nu Holdings stock?

The price of Nu Holdings stock is declining this week. As of now, shares are trading at $11.99, reflecting a 1.72% decrease over the last 24 hours and a modest drop on the week. Nu Holdings holds a market capitalization of $57.84 billion, with an average three-month trading volume of around 62 million shares. The stock’s P/E Ratio stands at 27.26, with no dividend payouts currently, and a beta of 1.11, indicating slightly higher volatility than the broader market. For Irish investors, Nu Holdings offers dynamic growth potential, but it’s important to consider short-term fluctuations alongside its medium- to long-term prospects.

Our complete analysis of the Nu Holdings stock

Having reviewed Nu Holdings’ latest financial results and dissected its share performance over the past three years, we have drawn from a spectrum of data sources—ranging from quantitative financial metrics to technical signals and comparative market analysis—processed through our proprietary evaluation algorithms. This integrated approach offers a comprehensive perspective on this Brazilian digital banking leader as it enters a new phase of operational maturity and strategic expansion. So, why might Nu Holdings stock once again become a compelling entry point into the global fintech sector as 2025 unfolds?

Recent Performance and Market Context

Nu Holdings’ stock (NYSE: NU) currently trades at $11.99 per share, with a daily volume exceeding 62 million shares—reflecting robust liquidity and sustained investor engagement. After a year marked by volatile global equity markets, NU has established itself at the nexus of digital innovation and financial inclusion in Latin America, achieving a 52-week range between $9.01 and $16.15. Notably, following the company’s Q1 2025 earnings release, the stock settled modestly lower (-1.72% intraday), yet the pre-market tone remains constructive at $12.00.

Key positive catalysts have emerged in recent quarters. Notable among them: Nu Mexico secured a full banking license in April 2025, fortifying regional expansion prospects. Additionally, Roberto Campos Neto, former President of the Central Bank of Brazil, joined Nu’s executive ranks as Vice-President and Head of Global Policy—an endorsement of operational credibility that few digital banks can match.

From a macroeconomic vantage—despite prevailing uncertainties—Latin America continues to exhibit resilient growth in financial digitalisation and mobile banking penetration. The persistent underbanked demographic, especially in Brazil, Mexico, and Colombia, reinforces a deeply attractive backdrop for digital-first banking models like Nu.

Technical Analysis

Technically, Nu Holdings presents a structure with both stability and latent bullish potential. Key technical indicators as of 30 May 2025 underline the following:

• Relative Strength Index (RSI, 14 days): At 49.37, RSI sits just below the midpoint, suggesting neither overbought nor oversold conditions, and positioning the stock for a potential directional move.
• MACD (12,26): With a positive reading (0.14), there is a nascent bullish momentum signal emerging as the MACD line crosses above its signal line.
• Stochastic Oscillator (9,6): At 16.77 (firm bullish signal), indicating potential reversal from near-term lows.
• CCI (14): Reads at -90.49, hovering close to the neutral threshold.

Moving averages present a nuanced, but increasingly positive, trend:

• The 50-day and 100-day moving averages both act as support ($11.63 and $11.79, respectively), each flashing a bullish signal.
• Shorter- and longer-term moving averages (20-day at $12.61 and 200-day at $12.71) suggest resistance above current pricing, potentially acting as targets in the immediate rally scenario.

Key support is anchored at $10.12, with a robust resistance band between $12.87-$13.06 and a major ceiling at $13.95. The confluence of support, rising mid-term momentum, and neutral-to-bullish signal rotation suggests Nu Holdings may be forming a durable technical base—an ideal setup for new positioning ahead of expected catalysts.

Fundamental Analysis

Nu Holdings occupies an increasingly rarefied space among listed fintechs, underpinned by exceptional fundamental trends:

• Revenue Growth: Q1 2025 saw revenues surge to $3.25 billion (a 40% year-on-year jump), alongside an impressive net profit of $557.2 million (+74% year-on-year) and a gross profit of $1.3 billion (+32%). This expansion comfortably outpaces global digital banking peers.
• Profitability: NU not only exceeded profitability consensus but also delivered an adjusted net profit of $606.5 million, yielding an EPS of $0.44—a critical milestone signaling operational leverage and scalability.
• Valuation: With a trailing P/E of 27.26 and a forward P/E of 20.67, the stock trades at a justified premium given its sector leadership and rapid margin expansion. Compared to the global fintech cohort, these ratios appear attractive, especially considering consensus 2025 EPS growth potential.
• Strategic Expansion: The full banking licence in Mexico (April 2025) and rapid client base growth (+4.3M clients Q1 alone, now 118.6M users) reinforce Nu’s first-mover advantages.
• Structural Strengths: Nu’s fully digital, tech-driven operating model yields continuous innovation at scale, translating to competitive cost advantages and market penetration. Its scale—by far the largest digital banking platform outside Asia—and the diverse product stack (credit, insured products, payments, and deposit accounts) reinforce the brand’s strength.
• Institutional Validation: Backing by Berkshire Hathaway (Warren Buffett) and a float profile dominated by global asset managers contribute to deep market credibility and investor support.

Volume and Liquidity

Trading volume averaging above 62 million shares per day is exceptional within the global fintech peer group, highlighting not only strong institutional participation but also broad market confidence. With 4.82 billion shares outstanding and a public float of 3.32 billion, Nu offers ample liquidity for both tactical traders and long-term holders. This dynamic float structure ensures that valuation and price discovery remain active and responsive to positive news flow—a favourable factor for those seeking exposure ahead of upward momentum.

Catalysts and Positive Outlook

Nu Holdings enters mid-2025 with an enviable suite of growth drivers:

• Geographical Expansion: With a consolidated leadership position in Brazil (104.6M clients) and accelerating scale in Mexico and Colombia, Nu is poised to tap massive addressable markets that remain only partially banked.
• Product Innovation: Ongoing launches of new financial services—including insurance, payments, and full-service banking—cement Nu’s defensive moat while enabling verticals for future growth.
• ESG and Regulatory Progress: Achieving Mexico's banking licence demonstrates regulatory trust, while a deepening focus on financial inclusion aligns with global sustainable investment priorities.
• Executive Expansion: The arrival of internationally reputable management (ex-Central Bank of Brazil) adds depth to regulatory and strategic policymaking.
• Cost Leverage: Nu’s digital-first model enables ongoing economies of scale, supporting margin expansion even amid rapid client growth.

With the analyst price consensus at $15.13 (+26.2% upside from current levels) and market sentiment turning optimistic, these factors suggest a highly supportive context for multiple expansion and sustained earnings upgrades.

Investment Strategies

Nu Holdings' current technical structure and valuation present several attractive entry strategies, adaptable to various investment horizons:

• Short-term:
• Tactical buyers could target entries near support ($10.12-$11.50), with stops below recent lows, aiming for the $12.87-$13.06 resistance range. The MACD and Stochastics suggest that a near-term rebound is plausible.
• Medium-term:
• Investors leveraging the 50-day and 100-day moving average support may position for a retest of the longer-term resistance ($13.95), particularly as positive news or earnings upgrades emerge.
• The lead-up to Q2 earnings, or announcement of new product launches, could further catalyse upward price movement.
• Long-term:
• For those seeking exposure to digitisation in emerging markets, Nu’s secular growth and defensive business model (scalable, low fixed-cost platform; deepening institutional investor support) make it a prime candidate for portfolio core holdings, with a 2-5 year investment horizon. Its innovation edge and client acquisition momentum suggest further market share gains.

Positioning at current technical lows—especially ahead of fundamental catalysts like product rollouts or regulatory wins—seems to represent an excellent opportunity to capture both momentum and mean reversion effects.

Is it the Right Time to Buy Nu Holdings?

Nu Holdings combines the rare attributes of explosive user growth, rapid profitability scaling, and powerful strategic execution—all against the backdrop of massive untapped markets in Latin America. The technical setup, with shares consolidating near base support and bullish reversal signals emerging, only reinforces the timing argument. With a proven management team, a suite of new regulatory and product catalysts, and an analyst consensus reflecting meaningful upside, the fundamentals justify renewed interest from investors seeking both growth and defensiveness in the tech-finance crossover.

For investors in Ireland and across global markets looking for exposure to the disruptive megatrend of digital banking—anchored to real earnings and scale—Nu Holdings stands out as a stock meriting serious consideration for portfolio inclusion. With conviction grounded in operational excellence and strategic vision, Nu Holdings may be entering a new bullish phase as it redefines financial services across an entire continent. The opportunity is as timely as it is compelling for forward-looking investors seeking participation in the next wave of fintech growth.

How to buy Nu Holdings stock in Ireland?

Buying Nu Holdings stock online is both straightforward and secure when you use a regulated broker. Investors in Ireland can access NU shares directly on the NYSE from their desktop or via mobile apps, choosing either classic spot buying or trading via Contracts for Difference (CFDs). Spot buying gives you direct ownership, while CFDs allow for leveraged positions—each method suits different objectives and risk profiles. Discover the key differences below, and find a broker comparison further down the page to help you choose your platform.

Spot Buying (Cash Purchase)

A cash purchase of Nu Holdings shares means buying the actual stock and becoming a direct shareholder. You hold the shares in your account and gain from any price appreciation and, if paid, dividends (note: Nu Holdings currently pays no dividend). Most Irish-friendly brokers charge a fixed commission per trade; for US stocks, this can be around $5 per order.

Example

If the Nu Holdings share price is $11.99, you can buy approximately 83 shares with a $1,000 (about €915) investment, factoring in a $5 broker fee.
Gain scenario:
If the share price rises by 10% to $13.19, your shares are worth $1,100.
Result: +$100 gross gain, or +10% on your investment.

Trading via CFD

CFDs (Contracts for Difference) let you trade on the price movements of Nu Holdings without owning the actual shares. With CFDs, you can use leverage, meaning you only need a fraction of the capital to open a larger position, but bear in mind the higher risk. Typical CFD costs include a bid/ask spread and overnight financing fees if you hold positions beyond one day.

Example

You open a CFD on Nu Holdings with a $1,000 initial margin using 5x leverage, giving you market exposure of $5,000.
Gain scenario:
If the share price increases by 8%, your position gains 8% x 5 = 40%.
Result: +$400 gain on your $1,000 outlay (not accounting for spreads/fees).

Final Advice

Before investing, it’s important to compare brokers’ fees, trading conditions, and available platforms—this can have a real impact on your returns. Your choice between spot buying and CFDs should match your investment objectives and tolerance for risk. For a full overview, check out the broker comparison further down this page. Investing in Nu Holdings can be an exciting way to participate in the growth of digital banking in Latin America—always invest responsibly and do your research.

Our 7 tips for buying Nu Holdings stock

The latest news about Nu Holdings

Nu Holdings achieved a net profit of $557.2 million in Q1 2025, a 74% year-on-year increase. This robust profitability – with adjusted net income reaching $606.5 million – signals continuing operational efficiency and disciplined cost control despite only slight underperformance on revenue versus analyst targets. For financial analysts and investors in Ireland, this strong earnings momentum validates Nu’s digital-first model and scale-driven cost advantages, particularly as the firm expands product offerings in large, underbanked Latin American markets, which could serve as a template should similar fintech disruption grow in Europe.

Nu Holdings secured a full banking licence in Mexico in April 2025, unlocking significant new growth potential. The approval empowers Nu Mexico to diversify its financial product suite, move beyond credit cards, and deepen customer penetration. For international investors, including IE-based analysts, exposure to such high-growth international financial services markets offers inherent geographic diversification. Furthermore, Nu’s successful regulatory navigation in Latin America underscores its governance credibility and could inform partnership or acquisition opportunities with Irish or European fintech players seeking emerging markets access.

Institutional support remains solid, with Berkshire Hathaway maintaining its stake, and analyst consensus foreseeing a 26% upside. The presence of such high-profile backers as Berkshire Hathaway and a current consensus target price of $15.13 (26% above the current level) bolster the global credibility and investment case for Nu Holdings. This endorsement adds confidence for Irish institutional and retail investors monitoring U.S.-listed fintech stocks as diversification vehicles or growth proxies beyond European banking exposure.

Nu Holdings reported the addition of 4.3 million new clients in Q1 2025, reaching a user base of 118.6 million. The company now operates the largest digital banking platform outside Asia, with accelerated expansion not just in Brazil but in Mexico and Colombia. For Ireland-based analysts evaluating global fintech trends, this scale and pace of customer acquisition demonstrate the rising potential of app-based banking models and the associated cross-border technology transfer opportunities for European financial institutions.

Technical indicators point to a neutral-to-bullish near-term outlook, with moving averages and MACD suggesting nascent upward momentum. The 50-day and 100-day moving averages are both in buy territory, and the MACD is giving a buy signal, suggesting emerging positive momentum, while the RSI and CCI remain neutral. This technical set-up could present timely entry points for IE investors seeking exposure to global digital finance, especially considering the 26% analyst-consensus upside and the medium-to-long-term horizon recommended for this asset.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.