Nu (NU)
Runs a branchless financial platform across Brazil, Mexico, and Colombia.
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Runs a mobile-first financial platform spanning credit cards, accounts and deposits, lending, investments, insurance, payments, and small-business services across Brazil, Mexico, and Colombia. A branchless technology stack supports low-cost digital servicing, while deposits fund credit products and country offerings depend on local licenses, underwriting, collections, and reliable systems.
Runs a branchless financial-services platform across Brazil, Mexico, and Colombia. Products span credit cards, consumer and small-business accounts and deposits, unsecured, payroll, and secured lending, investments, insurance, payments, marketplace features, and small-business services.
Began with a no-annual-fee, app-managed Brazilian credit card and expanded through a repeatable card-first, account-and-deposit, then broader-products sequence. A shared technology and data platform supports digital acquisition, servicing, and reuse of capabilities across countries; Brazil remains the largest market.
Deposits fund credit products, tying growth to underwriting, collections, and funding availability. Country product sets depend on local licenses and regulatory sequencing, while secure service reliability and exposure to Latin American currencies and macroeconomic conditions shape operations.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 16, 2026 | Itau BBA | Downgrade | ||
| Aug 25, 2026 | Wolfe Research | Reiterate | Rating: —Target: — | Target: $17 |
| Aug 20, 2026 | UBS | Reiterate | Rating: —Target: $16.90 | Target: $18.20 |
| Aug 14, 2026 | Needham | Reiterate | Rating: —Target: $17 | Target: $19 |
| Jun 26, 2026 | Needham | Initiate | Rating: —Target: — | Target: $17 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $33.27B · Total debt $42.02B · Total assets $82.75B · Shareholders' equity $13.25B
- Revenue
- $5.52B
- Operating income
- $1.24B
- Net income
- $1.06B
No dividends on record.
| Institutions | 59.60% | 2.89B ADS | |
|---|---|---|---|
| 932 holders · as of Jun 30, 2026 | |||
| Insiders | 19.64% | 951.18M ADS | |
| 13 holders · as of Aug 26, 2026 | |||
| Strategic holders | 17.29% | 837.18M ADS | |
| 2 holders · as of Feb 14, 2022 | |||
| Other | 3.47% | 168.47M ADS | |
| remainder | |||
4.84B ADS as of Sep 12, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2021 annual report; nothing newer is on file here.
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Osorno David Velez1,2Insiderdirector, 10 percent owner, officer: Chairman and CEO | 18.70% | 905.58M COMPANY ordinary | filed Jul 27, 2026 |
SC US (TTGP), Ltd. (“SC US (TTGP)”)Strategic | 11.47% | 555.45M | filed Feb 14, 2022 |
BlackRock, Inc.Institution | 7.33% | 355.01M A ADS | as of Jun 30, 2026 |
Tencent Holdings LimitedStrategic | 5.82% | 281.73M | filed Feb 10, 2022 |
Baillie Gifford & CoInstitution | 4.75% | 229.93M A ADS | as of Jun 30, 2026 |
- Osorno David Velez's transaction reports restate only vehicles that traded; the 2025 ownership statement (905.58M) less the 91.4K net shares sold since is used instead.
- Osorno David Velez reports a block also reported by another filer; it is counted once, under that filer.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 25, 2026 | Cristina Helena Zingaretti Junqueira | officer: US CEO & Chief Growth Officer | −65,000 | $14.71 |
| Aug 24, 2026 | Cristina Helena Zingaretti Junqueira | officer: US CEO & Chief Growth Officer | −25,000 | $15.00 |
| Aug 14, 2026 | Cristina Helena Zingaretti Junqueira | officer: US CEO & Chief Growth Officer | −50,000 | $15.80 |
| Aug 14, 2026 | Henrique Camossa Saldanha Fragelli | officer: Chief Risk Officer | −221,707 | $15.81 |
| May 15, 2026 | Anita M. Sands | director | −21,000 | $12.24 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Nu | $13.87 | −1.39% | $68.09B | 19.0 | 13.8 | 3.5 | +66.0% |
| Itaú Unibanco (ADR) | $8.34 | −1.36% | $93.13B | 10.6 | 10.9 | 1.2 | −51.6% |
| MercadoLibre | $1,808.28 | −0.67% | $92.29B | 49.5 | 41.9 | 2.6 | +50.2% |
| Banco Bradesco (ADR) | $3.53 | +0.14% | $37.23B | 8.0 | 8.0 | 0.6 | +21.1% |
| Santander Brasil (ADR) | $5.82 | −1.11% | $44.03B | 9.6 | 9.0 | 0.6 | +9.5% |
| Inter & Co | $5.42 | −2.78% | $2.46B | 8.2 | 8.1 | 0.8 | −18.0% |
| BBVA (ADR) | $28.60 | −1.06% | $159.74B | 13.4 | 10.5 | 2.9 | +17.8% |
| Median | 10.1 | 9.8 | 1.0 | +13.7% |