Live price
$14.30
+0.6% at 09:32 EDT
Aug. 21 regular session
Nu Holdings Sheds $4.9 Billion in Market Value Post-Earnings, Credit Concerns Weigh
NEW YORK, August 21, 2026, 09:32 EDT — Nu Holdings Ltd. has seen roughly $4.9 billion in market value erased since the close following its earnings release. Shares ended Thursday at $14.21, falling 2.74%, with volume at 80.5 million shares.
NYSE: NU · post-earnings reset
Record profit. Only 21.5% of the rally survived.
The market is testing whether 33% ROE can outrun a 6.9% late-stage delinquency ratio.
Thursday close
$14.21
−2.74%
80.5m shares traded
Value erased
$4.9bn
Since Aug. 14 close
Calculated estimate
Consensus target
$18.69
+31.5%
22 analysts
The earnings jump faded in four sessions
$13.93 → $15.23 → $14.21. Friday’s $14.30 is an early-session snapshot.
What the market is pricing
Earnings-day gain retained
21.5%
Trailing P/E19.5×
Forward P/E12.4×
The multiple compression says investors want proof that lower credit costs can persist.
Q2 operating scorecard
| Metric | Result |
|---|---|
| Net income | $1.1bn · +49% |
| ROE | 33% |
| Risk-adjusted NIM | 12.4% · +290bp QoQ |
| Credit portfolio | $39.4bn · +37% |
| Customers | 139m |
Credit is the swing factor
| Indicator | Q2 signal |
|---|---|
| 15–90 day NPL | 4.8% · −16bp |
| 90+ day NPL | 6.9% · +35bp |
| Cost of credit | $1.7bn · −9% QoQ |
| Efficiency ratio | 19.5% vs 17.6% |
| Mexico loan/deposit | 35% |
The Street’s range is unusually wide
| Analyst / firm | Call | Target | Upside / downside |
|---|---|---|---|
| Thiago Batista · UBS | Buy | $18 | +26.7% |
| Jorge Kuri · Morgan Stanley | Buy | $21 | +47.8% |
| James Friedman · Susquehanna | Hold | $16 | +12.6% |
| Mario Pierry · BofA | Sell | $10 | −29.6% |
| Kyle Peterson · Needham | Buy | $19 | +33.7% |
Investor watch
Near term: can $14.21 hold after the open?
Credit: 90+ NPL must stabilize.
Upside: Mexico monetisation and a durable 12%+ risk-adjusted NIM.
Nu Stock’s $1 Billion Quarter Meets a 6.9% Delinquency Test
Nu Holdings Ltd. has turned a billion-dollar profit quarter into a credit-quality test. Second-quarter net income reached $1.06 billion, beating the Visible Alpha estimate by roughly $93 million. Revenue also cleared expectations.
Nu Holdings · NYSE:NU
The margin is real. Credit is the test.
Investor dashboard · Q2 2026 results and premarket snapshot
Data: Aug. 20, 2026 · 07:19 EDT / 13:19 CEST
Premarket stock snapshot
$14.67
+0.58% premarket
Prior close
$14.61
$14.61
52-week low $11.20High $18.98
$70.6Bmarket cap
12.8×forward P/E
$15.04200-day average
Quarterly beat versus Visible Alpha consensus
Margin and credit quality
12.4%risk-adjusted NIM+250 bp YoY
4.8%15–90 day NPL-16 bp QoQ
6.9%90+ day NPL+35 bp QoQ
19.5%efficiency ratio-180 bp YoY
Read-through: returns widened faster than expected, but the oldest arrears moved the wrong way. The next quarter needs both margin durability and a flatter 90-day curve.
S&P Global analyst target
$17.98
+22.6% vs. premarket
Low $10Median $18High $22
22 analysts · Buy consensus. MarketBeat's separate 15-analyst sample shows 10 buy, four hold and one sell.
Scale behind the earnings
139Mglobal customers · +4M in Q2
$17monthly ARPAC
83.5%monthly activity
33%return on equity
Mexico is the leverage option: 15.8 million customers and $12.30 ARPAC at comparable maturity, versus $5.60 in Brazil at the same stage.
Sources: Nu Holdings Q2 2026 results; Reuters, Aug. 13, 2026; Yahoo Finance market snapshot; StockAnalysis / S&P Global; MarketBeat. Prices are time-stamped; analyst datasets can differ.
Nu Holdings Shares Gain Following 290-Basis-Point Margin Increase Despite Credit Alert
Nu Holdings Ltd. rose 1.64% on Wednesday, driven by record quarterly profit that renewed hopes for a margin rebound. Trading activity was robust, with volume at 102.66 million shares—approximately 1.35 times its three-month average, Nasdaq market data showed.
Nu Stock (NYSE:NU) Drops 2.1% as 62% of Initial Earnings Pop Fades
Nu Holdings Ltd. fell 2.1% to $14.435 on Tuesday, extending a retreat from its initial post-earnings jump. About 62% of that first gain has now faded. The New York market remained open.
Investor dashboard · NYSE:NU
Nu Holdings
Market price: August 18, 2026
14:05:44 EDT · Market open
14:05:44 EDT · Market open
Share price
$14.435
▼ 2.1% intraday
Market value
$69.63B
19.62× trailing earnings
Q2 net income
$1.06B
▲ 49% YoY, FX-neutral
Risk-adjusted NIM
12.4%
▲ 290 bp vs Q1
Price reset after earnings
62%
Gain fadedFrom about $15.25 after hours to $14.435.
+29.1%
Consensus upsideAverage analyst target: $18.63.
Position inside 52-week range
$11.20 low$14.435 now$18.98 high
What beat expectations
Credit growth versus risk
Analyst range is the risk signal
$10Low · 30.7% downside
$18.63Average · 29.1% upside
$19Median · 31.6% upside
$23High · 59.3% upside
13 Strong Buy5 Buy3 Hold1 Sell
Nu Shares Rise as $1 Billion Profit Boosts Margins Beyond Credit Risks
Nu Holdings Ltd. opened Monday’s premarket trading at $15.40 after finishing Friday with a 9.33% surge on volume more than double its typical level. The gain propelled Nu to the top spot among eligible stocks on Yahoo Finance's most-active list.
Nu Holdings (NYSE:NU) Surges $6.3 Billion in Value After $94 Million Profit Exceeds Estimates
Shares of Nu Holdings Ltd. rose 9.3% to $15.23 on Friday. The company's net profit for the second quarter was $1.06 billion, surpassing Visible Alpha's forecast of $967.2 million. Revenue came in higher than projected as well.
Nu Stock Rises 9.3% While $1 Billion Profit Encounters Delinquency Challenge
Shares of Nu Holdings Ltd. surged 9.3% on Friday after reporting quarterly net income above $1 billion for the first time. Net income reached $1.061 billion, surpassing the Visible Alpha consensus estimate by roughly 9.7%.
Nu Shares Surge 9.3% After Risk-Adjusted Margin Increases by 290 Basis Points
Nu Holdings Ltd. rose 9.3% on Friday as quarterly profit surpassed $1 billion. The stronger performance was driven by credit economics rather than just an increase in customers.
Nu Holdings Shares Surge 10% on Strong Margin Recovery, $1 Billion Profit Recorded
Shares of Nu Holdings Ltd. rose 10.23% to $15.36 on Friday morning after the Brazilian digital banking group reported quarterly profit above $1 billion for the first time. Trading volume hit 83.1 million shares by 11:31 EDT, amounting to 94% of its usual daily average.
Nu Holdings Shares Surge 10% in Premarket as $1 Billion Profit Revives Margin Narrative
Nu Holdings Ltd. jumped 10.1% in premarket action following the digital lender's announcement of its first quarterly profit surpassing $1 billion. Shares were indicated at $15.33 compared to the previous close of $13.93 on Thursday.
Nu Holdings stock (NU) retreats ahead of earnings as credit margins come under scrutiny
Nu Holdings Ltd. shares declined on Wednesday, a day ahead of its second-quarter results. The decline brings the stock to about 10% under its 200-day moving average. The primary concern is not growth, but credit economics.
Nu Holdings (NU) Declines Ahead of Earnings as Credit Expenses Challenge 22% Analyst Price Target Upside
Nu Holdings Ltd. declined 2.2% on Tuesday, ahead of its second-quarter earnings expected in two sessions. The digital banking firm was seventh on Yahoo Finance's most-active stocks list, with trading volume reaching 60.9 million shares as of 3:07 p.m. EDT.
Nu Holdings (NYSE:NU) Prepares for Credit-Quality Scrutiny Ahead of Q2 Results
Nu Holdings faces a tougher challenge than customer gains as it prepares to report on Thursday. U.S. markets will be shut on Sunday. Investors are looking for evidence that increased lending continues to generate sufficient returns after factoring in anticipated losses.
Nu Holdings Ltd. (NYSE:NU) Faces Earnings Spotlight as Share Price Falls Behind Nasdaq by 8.6 Points
Nu Holdings Ltd. ended Friday’s session at $13.84, a decrease of 1.98%. The stock declined 3.4% over the course of the week. In comparison, the Nasdaq Composite rose 5.2%.
Nu Holdings (NYSE:NU) declines ahead of Q2 as attention shifts to credit costs
Shares of Nu Holdings Ltd. slipped 1.3% to $13.93 on Friday, underperforming the S&P 500, which gained 0.45%. Over the course of the week, the stock lost roughly 2.8%.
Nu Holdings Ltd. (NYSE:NU) Buyback Provides Limited Buffer Ahead of Q2 Credit Evaluation
Nu Holdings Ltd. was set to open 0.3% higher at $14.52 ahead of Thursday’s session. Trading had not yet started on U.S. cash markets.
Nu Holdings Ltd. (NYSE:NU) Nears Mexico Bank Rollout, Puts Stock Price Under Scrutiny
Nu shares climbed last week, though expectations for earnings eased. The average preliminary Q2 EPS estimate slipped to $0.20, down from $0.21 a month earlier. Despite this, the stock rose 1.7% from July 24 through Friday.
Nu Holdings Ltd. (NYSE:NU) Confronts Credit Challenge as It Trails Regional Rivals
U.S. cash markets did not open over the weekend. Shares of Nu finished Friday at $14.33, a decline of 1.1% for the session.
Nu Holdings Ltd. (NYSE:NU) falls 3% as Croma evaluates reward program impact
Nu Holdings Ltd. was down 3.1% at $14.23 on Wednesday afternoon. Price and volume data are provisional as U.S. markets continued trading.
Nu Holdings (NYSE:NU) Climbs 3% Premarket, Buyback Effect Reduced by Share Price Rise
Nu Holdings Ltd. moved higher in early Tuesday trading, following six consecutive sessions of gains. Shares increased by 6.9% between July 17 and Monday.
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