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NU

Nu Holdings Ltd

NYSE: NU · FINANCIAL SERVICES · BANKS - REGIONAL

$14.48
+3.13% today

Updated 2026-04-30

Market cap
$70.38B
P/E ratio
24.97
P/S ratio
10.07x
EPS (TTM)
$0.58
Dividend yield
—
52W range
$12 – $19
Volume
52.6M
OverviewPrice TargetsFinancialsValuationInsidersEarnings

Nu Holdings Ltd (NU) Financial Forecast & Price Target 2030

Research-backed projections from analyst consensus, management guidance, and sector analysis.

Price target summary

Current
$14.48
Consensus
$17.84
+23.20%
2030 Target
$103.30
+613.40%
DCF
—
—
9 analysts:
6 Buy1 Hold0 Sell

Management guidance

Nu Holdings management has not provided explicit revenue guidance for 2026-2030 in the research materials. However, CEO commentary emphasizes aggressive international expansion into Mexico and Colombia to replicate Brazil's success, with focus on AI-driven efficiency and product expansion. The company achieved 131M customers by Q4 2025 and emphasized continued momentum in new markets as primary growth driver.

Sources: Management guidance, analyst consensus, sector analysishigh confidence

Revenue & price projection

Actual revenue Projected revenue Base case Bull to bear range
Bull case (2030)
$172.63
$41.9B Rev × 20x P/S
Base case (2030)
$103.30
$41.9B Rev × 12x P/S
Bear case (2030)
$69.34
$41.9B Rev × 8x P/S

Financial forecast — research-backed

Metric2023202420252026 (E)2027 (E)2028 (E)2029 (E)2030 (E)
Revenue$7.7B$11.1B$15.9B$20.1B$24.2B$29.1B$34.9B$41.9B
Revenue growth—44.8%43.0%187.3%20.6%20.0%20.0%20.0%
EPS$0.24$0.46$0.60$0.92$1.24$1.55$1.92$2.35
P/S ratio———12.0x12.0x12.0x12.0x12.0x
Implied price———$49.53$59.43$72.16$86.32$103.30

Catalysts & risks

Growth catalysts
+ US National Bank charter approved (OCC conditional approval Jan 2026) enabling crypto custody and broader US market penetration
+ Mexico and Colombia expansion replicating Brazil's 84.8% 5Y revenue CAGR model with large unbanked/underbanked populations
+ AI-driven efficiency improvements reducing efficiency ratios and improving unit economics across customer base
+ Customer base growth from 131M (Q4 2025) with 15% YoY growth rate continuing in new geographies
+ Product expansion including credit portfolio growth, investment products, and financial services bundling
+ Strategic partnerships (Amazon Brazil, Inter Miami sponsorship) driving brand awareness and distribution
Key risks
- Brazilian regulatory environment tightening with mandatory banking license requirements affecting core market economics
- Mexico market regulatory approval delays and competitive intensity from established banks
- Funding cost increases in Brazil impacting net interest margins and profitability
- FX volatility affecting consolidated results as company expands internationally
- Valuation compression if growth rates decelerate below 20% as company matures
- Macro slowdown in Latin America reducing credit demand and customer growth rates

Methodology

Nu Holdings Ltd's forward estimates are derived from AI-powered research synthesis combining analyst consensus from 9 Wall Street analysts, management guidance from the latest earnings call, and sector growth forecasts from industry research. Revenue and EPS projections use analyst consensus where available and conservative extrapolation with growth deceleration for outer years. Price targets are calculated using a tiered Price-to-Sales (P/S) methodology, where the P/S multiple is determined by the projected revenue growth rate.

WallStSmart proprietary research model · Not financial advice · Past performance is not indicative of future results · Last researched: April 6, 2026.