Nu Holdings Ltd. (NYSE: NU) is extending its hot streak today. By mid‑session on Wednesday, November 26, 2025, the Brazilian fintech giant’s shares were trading around $17.23, up roughly 3.7% on the day and pushing further into record territory after a series of bullish catalysts. [1]
New headlines out today highlight three big themes for NU stock:
- A new all‑time high and strong year‑to‑date performance. [2]
- Institutional investors reshuffling positions, with one major fund trimming exposure and another significantly increasing its stake. [3]
- Ongoing debate about upside vs. valuation, as analysts and research shops compare Nu to other fintech lenders and reassess fair value after blockbuster Q3 earnings. [4]
Below is a full breakdown of NU’s price action, today’s news flow, and what it all could mean for investors following the stock.
NU stock price snapshot for November 26, 2025
Based on live market data and major quote services:
- Last price: about $17.23
- Day change: roughly +$0.62, or about +3.7% vs. the prior close near $16.61 [5]
- Intraday range so far: approximately $16.84 – $17.37
- Previous session close: around $16.61, after a 4%+ gain yesterday [6]
- 52‑week range: roughly $9.01 – $16.67 before today’s breakout [7]
- Performance: up about 66% year‑to‑date and nearly 300% over three years, according to Finviz performance metrics. [8]
In short, Nu Holdings isn’t just bouncing—it is trading above its prior 52‑week (and effectively all‑time) high in the mid‑$16s set earlier this quarter, confirming a strong upside breakout. [9]
Today’s top Nu Holdings headlines (November 26, 2025)
1. Investing.com flags a new all‑time high and upgraded targets
In the early hours of Wednesday, an Investing.com piece highlighted that Nu Holdings’ stock hit an all‑time high of $16.57, marking a milestone in its post‑IPO journey. [10]
Key takeaways from that article:
- The stock’s move to a new record high was framed as a sign of strong investor confidence, with Nu’s share price up over 50% year‑to‑date and more than 30% in the past six months. [11]
- The piece cited a price/earnings multiple in the low‑30s, underlining that the market is willing to pay a premium for Nu’s growth trajectory versus traditional banks. [12]
- It also revisited Nu’s Q3 2025 earnings beat, where the company delivered record net income and revenue, and noted a wave of price target increases:
The article emphasized that analysts see Nu as successfully balancing rapid growth, profitability and asset quality, while also ramping its use of AI and SME lending as new drivers. [16]
Since that note was published at around 1:28 a.m. local time, the rally has extended further, with the stock now trading above $17, effectively setting another intraday record as U.S. markets trade through Wednesday. [17]
2. MarketBeat: Rhumbline trims its stake while Insigneo boosts exposure
Two separate filings‑based articles from MarketBeat published today shed light on what large investors are doing with NU:
Rhumbline Advisers trims NU holdings
- Rhumbline Advisers reduced its NU position by 13.4% in Q2, selling about 544,000 shares.
- It now holds roughly 3.53 million shares, valued at about $48.38 million and representing around 0.07% of Nu’s outstanding stock. [18]
- The same piece notes that institutional investors in aggregate hold about 84% of Nu’s shares, underscoring how heavily owned the stock is by professional money managers. [19]
The article also recaps Nu’s recent earnings beat—Q3 EPS around $0.17 vs. $0.15 expected, on revenue of about $4.17 billion—and highlights a consensus “Moderate Buy” rating with an average price target in the mid‑$17 range. [20]
Insigneo Advisory Services increases its NU stake
In contrast, a second MarketBeat note today reports that Insigneo Advisory Services LLC:
- Increased its NU position by 38.1% in Q2.
- Bought an additional 15,818 shares, bringing its total to 57,281 shares worth roughly $786,000 at the time of filing. [21]
The same article lists several other institutions that have recently initiated or expanded positions in Nu, including Rathbones Group, Itau Unibanco and IFM Investors, reinforcing the message that institutional ownership remains both high and active, even as some large holders take profits. [22]
Net message from today’s fund‑flow news:
Big money is not leaving NU; it’s rotating. Some long‑term holders are trimming after a powerful run, while others are still adding exposure on the back of Nu’s earnings momentum and expansion plans.
3. Zacks: Nu vs. OppFi in a fintech lender face‑off
Zacks Investment Research also joined today’s NU conversation with a fresh piece comparing Nu Holdings and OppFi (OPFI) as fintech lending plays. [23]
While the full article is behind a protective bot gate, the visible synopsis suggests that:
- Both NU and OPFI have delivered strong Q3 results, supported by rising credit demand and improved profitability metrics. [24]
- The comparison weighs growth outlook, valuation and risk profile to judge which lender may offer better upside from here.
Even without the full text, it’s clear Zacks is grouping Nu alongside other high‑growth, tech‑enabled lenders, signaling that the name remains at the center of the fintech valuation debate.
Fundamental backdrop: Q3 2025 set the tone
Today’s price action doesn’t exist in a vacuum. It is very much a continuation of the Q3 story that Nu started telling earlier this month.
According to the company’s Q3 2025 results and earnings call:
- Net income: about $783 million, a record for the company. [25]
- Revenue: more than $4 billion for the quarter (around $4.17 billion in many summaries), with growth near 40% year‑over‑year in constant currency. [26]
- Return on equity (ROE): roughly 31%, significantly above many traditional banks. [27]
- Efficiency / cost‑to‑income ratio: about 27.7%, reflecting strong operating leverage for a high‑growth platform. [28]
- Customer base: roughly 127 million customers, with deposits up around 34% year‑on‑year. [29]
The quarter beat Wall Street expectations on both earnings per share and revenue, and it showcased Nu’s ability to scale a fully digital banking model while keeping profitability metrics moving in the right direction. [30]
The company also used the Q3 update to emphasize an “AI‑first” strategy, integrating artificial intelligence across products to improve underwriting, cross‑sell and personalization—one of the reasons Morgan Stanley and others continue to view Nu as a structural winner in Latin American digital banking. [31]
The U.S. bank license: a key medium‑term catalyst
Underneath the day‑to‑day moves is a strategic shift that many analysts see as Nu’s next major growth leg: its application for a U.S. national bank license.
Recent coverage from Yahoo Finance, Simply Wall St and other outlets, as republished on platforms like Sahm Capital and AInvest, highlights that: [32]
- Nu has filed for a national bank charter in the United States.
- The license would allow the company to offer a fuller suite of banking products directly in the U.S., including deposit accounts, cards and loans, tapping both local customers and the Latin American diaspora. [33]
- The authorization process is expected to take at least 12 months, making this a 2026+ catalyst rather than an immediate earnings driver. [34]
Analysis pieces also stress that:
- The move deepens Nu’s global ambitions, shifting it from a regional success story toward a multi‑market, cross‑border banking platform. [35]
- At the same time, it introduces regulatory and execution risk, especially given higher capital, compliance and supervisory standards in the U.S. [36]
So when investors push NU to new highs today, they’re not just reacting to one strong quarter—they’re also pricing in the optionality of a future U.S. presence.
What valuations and analysts are saying after today’s move
With NU now trading around the mid‑$17s, the valuation debate is front and center.
Street ratings and targets
MarketBeat’s compilation of analyst views, echoed in today’s articles, indicates that: [37]
- Nu carries a “Moderate Buy” consensus rating.
- Roughly eight analysts rate it a Buy and four call it a Hold.
- The average 12‑month price target sits around $17–18 per share, with:
- KeyBanc at $19.
- Morgan Stanley and BofA Securities clustered around $18.
- Earlier upgrades in 2025 from firms like Citigroup, JPMorgan and Barclays, which moved ratings higher and bumped price objectives as earnings momentum strengthened.
With the stock now trading just below or around some of those targets, the implied upside from the average target has narrowed compared with a few weeks ago.
Fundamental and fair‑value models
Several fundamental research platforms have weighed in on Nu’s valuation:
- A Simply Wall St‑authored narrative (republished on Sahm Capital) recently estimated fair value around $17.29 versus a prior closing price near $16.11, implying single‑digit percentage upside at that time. [38]
- Another Simply Wall St piece pegged fair value closer to $17.98, suggesting mid‑teens upside from NU’s price in the mid‑$15s earlier in November. [39]
- That same analysis noted that Nu trades at a price‑to‑earnings multiple in the low‑30s, compared with low‑teens averages for U.S. banks, underscoring that this is not a cheap bank stock—it’s being priced like a high‑growth fintech. [40]
Finviz data backs this up, showing: [41]
- P/E (ttm): about 33x
- Forward P/E: around 20x
- PEG ratio: under 1.0, reflecting strong expected earnings growth relative to the price.
- ROE: close to 28%
- Market cap: north of $80 billion, putting Nu firmly in large‑cap territory.
Today’s price strength means NU is now much closer to those fair‑value bands, which may explain why some institutional holders (like Rhumbline) are trimming while others still see room to add.
How does today’s move fit into the bigger NU story?
Putting everything together, the November 26, 2025 picture for Nu Holdings looks like this:
- Momentum & technicals
- Fundamentals
- Q3 2025 delivered record earnings, robust revenue growth, strong ROE and improving efficiency, all while the customer base and deposit pool kept expanding. [44]
- The company is profitable at scale, rather than the typical loss‑making growth story.
- Strategy & catalysts
- Ownership & sentiment
- Institutional ownership above 80% means big money flows can magnify moves, in both directions. [47]
- Today’s filings show both profit‑taking and fresh buying, rather than a one‑sided exodus.
- Valuation
- NU now trades near or above several published fair‑value estimates and price targets, so further upside may increasingly depend on:
What today’s NU news means for investors
For traders and long‑term investors watching Nu Holdings on November 26, 2025, today’s news flow sends a few clear signals:
- The trend is undeniably up. Fresh highs, strong YTD returns and bullish analyst revisions confirm that the market currently rewards Nu’s execution.
- Risk/reward is tightening vs. earlier in 2025. With the stock near consensus targets and fair‑value ranges, future gains may be more dependent on continued earnings beats and successful U.S. expansion rather than multiple expansion alone. [51]
- Institutional behavior is mixed but constructive. Some funds are locking in profits; others are still deploying capital into NU, reflecting healthy two‑way interest rather than overcrowded capitulation. [52]
As always, anyone considering NU should weigh:
- Exposure to emerging‑market credit cycles and regulation,
- The premium valuation vs. traditional banks, and
- Their own risk tolerance and time horizon.
This article is for informational purposes only and does not constitute investment advice, a recommendation, or a solicitation to buy or sell any security. Always do your own research or consult a licensed financial adviser before making investment decisions.
References
1. finviz.com, 2. in.investing.com, 3. www.marketbeat.com, 4. www.zacks.com, 5. stockinvest.us, 6. stockinvest.us, 7. finviz.com, 8. finviz.com, 9. in.investing.com, 10. in.investing.com, 11. in.investing.com, 12. in.investing.com, 13. in.investing.com, 14. in.investing.com, 15. in.investing.com, 16. in.investing.com, 17. in.investing.com, 18. www.marketbeat.com, 19. www.marketbeat.com, 20. www.marketbeat.com, 21. www.marketbeat.com, 22. www.marketbeat.com, 23. www.zacks.com, 24. www.zacks.com, 25. www.investing.com, 26. www.investing.com, 27. www.investing.com, 28. www.investing.com, 29. www.investing.com, 30. www.marketbeat.com, 31. www.investing.com, 32. finance.yahoo.com, 33. www.ainvest.com, 34. www.ainvest.com, 35. www.sahmcapital.com, 36. finance.yahoo.com, 37. www.marketbeat.com, 38. www.sahmcapital.com, 39. simplywall.st, 40. www.sahmcapital.com, 41. finviz.com, 42. in.investing.com, 43. finviz.com, 44. www.investing.com, 45. www.sahmcapital.com, 46. www.investing.com, 47. www.marketbeat.com, 48. www.investing.com, 49. www.sahmcapital.com, 50. www.investing.com, 51. www.sahmcapital.com, 52. www.marketbeat.com
