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Nu Holdings Ltd
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PenkeI guess you are interested in Nu Holdings Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Nu Holdings Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Nu Holdings Ltd (30 sec.)










What can you expect buying and holding a share of Nu Holdings Ltd? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
0.0%

What is your share worth?

Current worth
$1.42
Expected worth in 1 year
$1.76
How sure are you?
57.1%

+ What do you gain per year?

Total Gains per Share
$0.34
Return On Investment
2.9%

For what price can you sell your share?

Current Price per Share
$11.93
Expected price per share
$9.51 - $12.39
How sure are you?
50%

1. Valuation of Nu Holdings Ltd (5 min.)




Live pricePrice per Share (EOD)

$11.93

Intrinsic Value Per Share

$61.77 - $74.45

Total Value Per Share

$63.19 - $75.87

2. Growth of Nu Holdings Ltd (5 min.)




Is Nu Holdings Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$6.4b$4.7b$922.2m16.2%

How much money is Nu Holdings Ltd making?

Current yearPrevious yearGrowGrow %
Making money$257.6m-$96.4m$354m137.4%
Net Profit Margin16.6%-9.1%--

How much money comes from the company's main activities?

3. Financial Health of Nu Holdings Ltd (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Nu Holdings Ltd? (5 min.)

Welcome investor! Nu Holdings Ltd's management wants to use your money to grow the business. In return you get a share of Nu Holdings Ltd.

What can you expect buying and holding a share of Nu Holdings Ltd?

First you should know what it really means to hold a share of Nu Holdings Ltd. And how you can make/lose money.

Speculation

The Price per Share of Nu Holdings Ltd is $11.93. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Nu Holdings Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Nu Holdings Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $1.42. Based on the TTM, the Book Value Change Per Share is $0.09 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.03 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Nu Holdings Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.080.7%0.050.5%-0.02-0.2%0.000.0%0.000.0%
Usd Book Value Change Per Share0.211.7%0.090.7%-0.03-0.3%0.100.9%0.100.9%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.211.7%0.090.7%-0.03-0.3%0.100.9%0.100.9%
Usd Price Per Share8.33-7.06-4.98-4.11-4.11-
Price to Earnings Ratio26.03-34.50-89.07-25.97-25.97-
Price-to-Total Gains Ratio40.13-43.10--42.41-7.12-7.12-
Price to Book Ratio5.87-5.83-4.58-3.53-3.53-
Price-to-Total Gains Ratio40.13-43.10--42.41-7.12-7.12-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share11.93
Number of shares83
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.090.10
Usd Total Gains Per Share0.090.10
Gains per Quarter (83 shares)7.068.42
Gains per Year (83 shares)28.2633.68
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10281803424
20574606758
308574010192
401131020135126
501411300168160
601701580202194
701981860236228
802262140269262
902542420303296
1002832700337330

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%5.07.00.041.7%5.09.00.035.7%5.09.00.035.7%5.09.00.035.7%
Book Value Change Per Share3.01.00.075.0%7.04.01.058.3%8.04.02.057.1%8.04.02.057.1%8.04.02.057.1%
Dividend per Share0.00.04.00.0%0.00.012.00.0%0.00.014.00.0%0.00.014.00.0%0.00.014.00.0%
Total Gains per Share3.01.00.075.0%7.04.01.058.3%8.04.02.057.1%8.04.02.057.1%8.04.02.057.1%

Fundamentals of Nu Holdings Ltd

About Nu Holdings Ltd

Nu Holdings Ltd. provides digital banking platform and digital financial services in Brazil, Mexico, Colombia, and internationally. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app; NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app "buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.

Fundamental data was last updated by Penke on 2024-03-28 12:41:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is overpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is fair priced.

1.1. Profitability of Nu Holdings Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Nu Holdings Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • A Net Profit Margin of 16.5% means that $0.17 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Nu Holdings Ltd:

  • The MRQ is 16.5%. The company is making a huge profit. +2
  • The TTM is 16.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ16.5%TTM16.6%-0.1%
TTM16.6%YOY-9.1%+25.7%
TTM16.6%5Y-27.5%+44.1%
5Y-27.5%10Y-27.5%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ16.5%18.4%-1.9%
TTM16.6%28.0%-11.4%
YOY-9.1%25.2%-34.3%
5Y-27.5%22.8%-50.3%
10Y-27.5%19.8%-47.3%
1.1.2. Return on Assets

Shows how efficient Nu Holdings Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • 0.8% Return on Assets means that Nu Holdings Ltd generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Nu Holdings Ltd:

  • The MRQ is 0.8%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.7%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM0.7%+0.1%
TTM0.7%YOY-0.4%+1.1%
TTM0.7%5Y-0.1%+0.8%
5Y-0.1%10Y-0.1%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%0.1%+0.7%
TTM0.7%0.2%+0.5%
YOY-0.4%0.2%-0.6%
5Y-0.1%0.2%-0.3%
10Y-0.1%0.2%-0.3%
1.1.3. Return on Equity

Shows how efficient Nu Holdings Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • 5.6% Return on Equity means Nu Holdings Ltd generated $0.06 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Nu Holdings Ltd:

  • The MRQ is 5.6%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 4.4%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ5.6%TTM4.4%+1.2%
TTM4.4%YOY-1.9%+6.3%
TTM4.4%5Y-1.8%+6.2%
5Y-1.8%10Y-1.8%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.6%1.4%+4.2%
TTM4.4%2.5%+1.9%
YOY-1.9%2.7%-4.6%
5Y-1.8%2.5%-4.3%
10Y-1.8%2.8%-4.6%

1.2. Operating Efficiency of Nu Holdings Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Nu Holdings Ltd is operating .

  • Measures how much profit Nu Holdings Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • An Operating Margin of 25.6% means the company generated $0.26  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Nu Holdings Ltd:

  • The MRQ is 25.6%. The company is operating very efficient. +2
  • The TTM is 34.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ25.6%TTM34.8%-9.2%
TTM34.8%YOY23.7%+11.1%
TTM34.8%5Y21.8%+13.1%
5Y21.8%10Y21.8%0.0%
1.2.2. Operating Ratio

Measures how efficient Nu Holdings Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.74 means that the operating costs are $0.74 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Nu Holdings Ltd:

  • The MRQ is 0.744. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.622. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.744TTM0.622+0.122
TTM0.622YOY1.479-0.857
TTM0.6225Y1.482-0.860
5Y1.48210Y1.4820.000

1.3. Liquidity of Nu Holdings Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Nu Holdings Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Nu Holdings Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM18.407-18.407
TTM18.407YOY2.103+16.303
TTM18.4075Y6.371+12.036
5Y6.37110Y6.3710.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM18.4070.124+18.283
YOY2.1030.225+1.878
5Y6.3710.219+6.152
10Y6.3710.131+6.240
1.3.2. Quick Ratio

Measures if Nu Holdings Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • A Quick Ratio of 194.84 means the company can pay off $194.84 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Nu Holdings Ltd:

  • The MRQ is 194.843. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 155.094. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ194.843TTM155.094+39.750
TTM155.094YOY3.617+151.476
TTM155.0945Y45.754+109.340
5Y45.75410Y45.7540.000

1.4. Solvency of Nu Holdings Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Nu Holdings Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Nu Holdings Ltd to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.85 means that Nu Holdings Ltd assets are financed with 85.2% credit (debt) and the remaining percentage (100% - 85.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Nu Holdings Ltd:

  • The MRQ is 0.852. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.839. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.852TTM0.839+0.013
TTM0.839YOY0.807+0.032
TTM0.8395Y0.784+0.055
5Y0.78410Y0.7840.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8520.915-0.063
TTM0.8390.917-0.078
YOY0.8070.919-0.112
5Y0.7840.919-0.135
10Y0.7840.927-0.143
1.4.2. Debt to Equity Ratio

Measures if Nu Holdings Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 576.6% means that company has $5.77 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Nu Holdings Ltd:

  • The MRQ is 5.766. The company is unable to pay all its debts with equity. -1
  • The TTM is 5.224. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ5.766TTM5.224+0.542
TTM5.224YOY4.230+0.994
TTM5.2245Y6.293-1.068
5Y6.29310Y6.2930.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.76610.829-5.063
TTM5.22411.013-5.789
YOY4.23011.363-7.133
5Y6.29311.437-5.144
10Y6.29313.038-6.745

2. Market Valuation of Nu Holdings Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Nu Holdings Ltd generates.

  • Above 15 is considered overpriced but always compare Nu Holdings Ltd to the Banks - Regional industry mean.
  • A PE ratio of 26.03 means the investor is paying $26.03 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Nu Holdings Ltd:

  • The EOD is 37.281. Based on the earnings, the company is overpriced. -1
  • The MRQ is 26.031. Based on the earnings, the company is overpriced. -1
  • The TTM is 34.505. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD37.281MRQ26.031+11.250
MRQ26.031TTM34.505-8.474
TTM34.505YOY89.075-54.570
TTM34.5055Y25.973+8.531
5Y25.97310Y25.9730.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD37.2817.491+29.790
MRQ26.0316.680+19.351
TTM34.5055.295+29.210
YOY89.0756.943+82.132
5Y25.9739.770+16.203
10Y25.9739.943+16.030
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Nu Holdings Ltd:

  • The EOD is 2.307. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.611. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 31.184. Based on how much money comes from the company's main activities, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD2.307MRQ1.611+0.696
MRQ1.611TTM31.184-29.573
TTM31.184YOY-19.349+50.533
TTM31.1845Y3.052+28.132
5Y3.05210Y3.0520.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD2.307-2.094+4.401
MRQ1.611-1.868+3.479
TTM31.184-0.342+31.526
YOY-19.3496.448-25.797
5Y3.0520.429+2.623
10Y3.0520.091+2.961
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Nu Holdings Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 5.87 means the investor is paying $5.87 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Nu Holdings Ltd:

  • The EOD is 8.400. Based on the equity, the company is overpriced. -1
  • The MRQ is 5.865. Based on the equity, the company is overpriced. -1
  • The TTM is 5.826. Based on the equity, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD8.400MRQ5.865+2.535
MRQ5.865TTM5.826+0.039
TTM5.826YOY4.581+1.246
TTM5.8265Y3.529+2.297
5Y3.52910Y3.5290.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD8.4000.433+7.967
MRQ5.8650.386+5.479
TTM5.8260.470+5.356
YOY4.5810.642+3.939
5Y3.5290.795+2.734
10Y3.5291.025+2.504
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Nu Holdings Ltd.

3.1. Institutions holding Nu Holdings Ltd

Institutions are holding 70.412% of the shares of Nu Holdings Ltd.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31SC US (TTGP), LTD.5.294217.336125232030600
2023-12-31Capital Research Global Investors3.6760.3591751973443000268520.6638
2023-12-31Baillie Gifford & Co Limited.2.40810.7576114768499-3373759-2.8557
2023-09-30Berkshire Hathaway Inc2.24760.247910711878400
2023-12-31JPMorgan Chase & Co2.0940.0799998007541392069416.2095
2023-12-31Galileo (PTC) Ltd1.988733.940194782271-144425657-60.3766
2023-12-31Technology Crossover Management X, Ltd.1.828885.52628715851200
2023-12-31Sands Capital Management, LLC1.78812.1577852206614099241392.6838
2023-12-31BlackRock Inc1.3820.0146586601938921936.2804
2023-12-31Jennison Associates LLC1.38090.40866581307240584189160.864
2023-12-31Coatue Management LLC1.32232.201663021947788653814.3039
2023-12-31Morgan Stanley - Brokerage Accounts1.25020.043759584307-1676116-2.7361
2023-12-31Artisan Partners Limited Partnership1.13570.694254126402-21577067-28.5021
2023-09-30D. E. Shaw & Co LP1.02060.3682486420581144259230.7601
2023-12-31Ribbit Management Company, LLC0.915430.720143629760436297600
2023-12-31Redpoint Management, LLC0.889539.69334239127400
2023-12-31Fidelity International Ltd0.87670.3657417841722539150.6114
2023-12-31T. Rowe Price Associates, Inc.0.8650.046141224713-13720599-24.9714
2023-12-31FMR Inc0.75920.023236184252923476334.2669
2023-12-31Kontiki Capital Management (HK) Ltd.0.748235.062835657316-12983909-26.6932
Total 33.8712250.0461614292423+4082635+0.3%

3.2. Funds holding Nu Holdings Ltd

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31American Funds Europacific Growth A1.82130.5324868017552158176433.0907
2023-12-31Capital Group EuroPacific Growth Comp1.82130.5324868017552158176433.0907
2023-12-31Vanguard International Growth Inv1.08540.98015172759300
2023-12-31American Funds New World A0.97770.72574659617837668828.7951
2023-12-31Sands Capital Emerging Markets Growth EQ0.67763.934732295028-663077-2.0119
2024-01-31Invesco Developing Markets A0.59361.10972829153100
2023-12-31Invesco Emerging Markets Equity0.59361.039628291531-10558501-27.1776
2023-12-31American Funds Growth Fund of Amer A0.52450.08362499904800
2023-12-31Capital Group Growth Fnd of Amer Comp0.52450.08362499904800
2023-12-31Capital Group New Economy Comp0.5110.65972435486512084285.2208
2023-12-31American Funds New Economy A0.5110.65972435486512084285.2208
2023-12-31Sands Capital Select Growth TE Inst EQ0.46522.399322169370206127321324.1828
2024-01-31JPMorgan Emerging Markets Equity L0.43242.453320609387-451989-2.1461
2023-12-31JPMEmerging Markets Equity - Canada Fund0.41552.313519803137-6073106-23.4698
2023-12-31JPM GEM Focused-Composite0.41552.313519803137-6073106-23.4698
2024-02-29JPM Emerging Markets Equity A (dist) USD0.36752.838317513464-1074673-5.7815
2024-02-29PGIM Jennison Global Opportunities Z0.32342.602715410742199643014.8828
2024-02-29PGIM Jennison International Opps Z0.31583.26815048641-115269-0.7602
2024-02-29State St Russell Sm/Mid Cp® Indx NL Cl C0.29420.371914021900155000.1107
2023-12-31MS INVF Global Opportunity Z0.28770.8966137096836221514.7538
Total 12.958729.7983617602658+47584358+7.7%

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Nu Holdings Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.2080.085+144%-0.032+115%0.101+105%0.101+105%
Book Value Per Share--1.4201.203+18%1.071+33%0.822+73%0.822+73%
Current Ratio---18.407-100%2.103-100%6.371-100%6.371-100%
Debt To Asset Ratio--0.8520.839+2%0.807+6%0.784+9%0.784+9%
Debt To Equity Ratio--5.7665.224+10%4.230+36%6.293-8%6.293-8%
Dividend Per Share----0%-0%-0%-0%
Eps--0.0800.055+47%-0.020+125%0.005+1522%0.005+1522%
Free Cash Flow Per Share--1.2930.242+435%-0.096+107%0.003+39170%0.003+39170%
Free Cash Flow To Equity Per Share--1.2950.264+391%0.099+1211%0.132+881%0.132+881%
Gross Profit Margin--1.0000.890+12%0.261+284%0.938+7%0.938+7%
Intrinsic Value_10Y_max--74.448--------
Intrinsic Value_10Y_min--61.767--------
Intrinsic Value_1Y_max--1.035--------
Intrinsic Value_1Y_min--1.012--------
Intrinsic Value_3Y_max--8.005--------
Intrinsic Value_3Y_min--7.544--------
Intrinsic Value_5Y_max--20.880--------
Intrinsic Value_5Y_min--18.959--------
Market Cap43933774563.840+14%37576317625.00033485233506.250+12%21689720146.340+73%18231634497.129+106%18231634497.129+106%
Net Profit Margin--0.1650.1660%-0.091+155%-0.275+267%-0.275+267%
Operating Margin--0.2560.348-26%0.237+8%0.218+18%0.218+18%
Operating Ratio--0.7440.622+20%1.479-50%1.482-50%1.482-50%
Pb Ratio8.400+30%5.8655.826+1%4.581+28%3.529+66%3.529+66%
Pe Ratio37.281+30%26.03134.505-25%89.075-71%25.973+0%25.973+0%
Price Per Share11.930+30%8.3307.058+18%4.983+67%4.110+103%4.110+103%
Price To Free Cash Flow Ratio2.307+30%1.61131.184-95%-19.349+1301%3.052-47%3.052-47%
Price To Total Gains Ratio57.466+30%40.12543.097-7%-42.410+206%7.124+463%7.124+463%
Quick Ratio--194.843155.094+26%3.617+5286%45.754+326%45.754+326%
Return On Assets--0.0080.007+18%-0.004+143%-0.001+107%-0.001+107%
Return On Equity--0.0560.044+28%-0.019+134%-0.018+131%-0.018+131%
Total Gains Per Share--0.2080.085+144%-0.032+115%0.101+105%0.101+105%
Usd Book Value--6406385000.0005707771250.000+12%4785475750.000+34%3678570357.143+74%3678570357.143+74%
Usd Book Value Change Per Share--0.2080.085+144%-0.032+115%0.101+105%0.101+105%
Usd Book Value Per Share--1.4201.203+18%1.071+33%0.822+73%0.822+73%
Usd Dividend Per Share----0%-0%-0%-0%
Usd Eps--0.0800.055+47%-0.020+125%0.005+1522%0.005+1522%
Usd Free Cash Flow--5832351000.0001061478250.000+449%-323698750.000+106%69105857.143+8340%69105857.143+8340%
Usd Free Cash Flow Per Share--1.2930.242+435%-0.096+107%0.003+39170%0.003+39170%
Usd Free Cash Flow To Equity Per Share--1.2950.264+391%0.099+1211%0.132+881%0.132+881%
Usd Market Cap43933774563.840+14%37576317625.00033485233506.250+12%21689720146.340+73%18231634497.129+106%18231634497.129+106%
Usd Price Per Share11.930+30%8.3307.058+18%4.983+67%4.110+103%4.110+103%
Usd Profit--360877000.000257632500.000+40%-96427000.000+127%24300714.286+1385%24300714.286+1385%
Usd Revenue--2183563000.0001530810500.000+43%1195114000.000+83%868957142.857+151%868957142.857+151%
Usd Total Gains Per Share--0.2080.085+144%-0.032+115%0.101+105%0.101+105%
 EOD+4 -4MRQTTM+25 -9YOY+28 -65Y+29 -510Y+29 -5

4.2. Fundamental Score

Let's check the fundamental score of Nu Holdings Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1537.281
Price to Book Ratio (EOD)Between0-18.400
Net Profit Margin (MRQ)Greater than00.165
Operating Margin (MRQ)Greater than00.256
Quick Ratio (MRQ)Greater than1194.843
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.852
Debt to Equity Ratio (MRQ)Less than15.766
Return on Equity (MRQ)Greater than0.150.056
Return on Assets (MRQ)Greater than0.050.008
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of Nu Holdings Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5063.348
Ma 20Greater thanMa 5011.683
Ma 50Greater thanMa 10010.528
Ma 100Greater thanMa 2009.454
OpenGreater thanClose11.820
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Long-term Assets Other  -964,179-10,364,070-11,328,24910,103,266-1,224,983-127,292-1,352,2751,859,742507,467



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets43,345,195
Total Liabilities36,938,810
Total Stockholder Equity6,406,385
 As reported
Total Liabilities 36,938,810
Total Stockholder Equity+ 6,406,385
Total Assets = 43,345,195

Assets

Total Assets43,345,195
Total Current Assets0
Long-term Assets18,472,639
Total Current Assets
Cash And Cash Equivalents 5,923,440
Short-term Investments 838,948
Net Receivables 14,531,905
Other Current Assets -21,294,293
Total Current Assets  (as reported)0
Total Current Assets  (calculated)0
+/-0
Long-term Assets
Property Plant Equipment 69,753
Goodwill 397,538
Long-term Assets Other 507,467
Long-term Assets  (as reported)18,472,639
Long-term Assets  (calculated)974,758
+/- 17,497,881

Liabilities & Shareholders' Equity

Total Current Liabilities113,595
Long-term Liabilities36,901,868
Total Stockholder Equity6,406,385
Total Current Liabilities
Short-term Debt 113,595
Other Current Liabilities -113,595
Total Current Liabilities  (as reported)113,595
Total Current Liabilities  (calculated)0
+/- 113,595
Long-term Liabilities
Long-term Liabilities  (as reported)36,901,868
Long-term Liabilities  (calculated)0
+/- 36,901,868
Total Stockholder Equity
Common Stock84
Retained Earnings 1,276,949
Accumulated Other Comprehensive Income 156,430
Other Stockholders Equity 4,972,922
Total Stockholder Equity (as reported)6,406,385
Total Stockholder Equity (calculated)6,406,385
+/-0
Other
Cash and Short Term Investments 6,762,388
Common Stock Shares Outstanding 4,510,963
Liabilities and Stockholders Equity 43,345,195
Net Debt -4,750,154
Short Long Term Debt Total 1,173,286



Balance Sheet

All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-30
> Total Assets 
0
10,154,250
10,121,087
13,951,514
14,926,098
19,858,681
19,858,681
25,188,681
26,006,988
29,489,391
29,916,559
33,608,083
35,693,242
43,345,195
43,345,19535,693,24233,608,08329,916,55929,489,39126,006,98825,188,68119,858,68119,858,68114,926,09813,951,51410,121,08710,154,2500
   > Total Current Assets 
0
5,386,990
9,818,826
12,742,399
6,538,293
8,497,771
8,497,771
11,824,455
12,683,100
17,365,489
4,172,300
20,558,524
30,112,618
0
030,112,61820,558,5244,172,30017,365,48912,683,10011,824,4558,497,7718,497,7716,538,29312,742,3999,818,8265,386,9900
       Cash And Cash Equivalents 
0
2,478,083
9,696
85,921
2,430,753
3,645,386
3,645,386
5,253,560
5,553,534
6,948,963
6,950,640
8,570,452
9,058,374
5,923,440
5,923,4409,058,3748,570,4526,950,6406,948,9635,553,5345,253,5603,645,3863,645,3862,430,75385,9219,6962,478,0830
       Short-term Investments 
0
0
0
0
0
0
9,260,432
8,850,741
8,931,961
7,916,143
9,947,138
7,479,797
8,605,769
838,948
838,9488,605,7697,479,7979,947,1387,916,1438,931,9618,850,7419,260,432000000
       Net Receivables 
0
2,908,907
3,081,341
4,379,878
4,107,540
4,852,385
4,852,385
6,570,895
7,129,566
10,416,526
9,000,709
11,988,072
12,448,475
14,531,905
14,531,90512,448,47511,988,0729,000,70910,416,5267,129,5666,570,8954,852,3854,852,3854,107,5404,379,8783,081,3412,908,9070
       Other Current Assets 
0
391,698
180,337
350,920
1,335,872
1,868,283
1,439,347
1,654,296
-17,605,737
-19,673,552
-17,880,498
-22,667,899
-16,081,520
-21,294,293
-21,294,293-16,081,520-22,667,899-17,880,498-19,673,552-17,605,7371,654,2961,439,3471,868,2831,335,872350,920180,337391,6980
   > Long-term Assets 
0
4,343,860
0
0
7,051,933
9,492,627
9,492,627
10,740,641
10,733,539
8,772,504
626,100
8,480,640
9,668,170
18,472,639
18,472,6399,668,1708,480,640626,1008,772,50410,733,53910,740,6419,492,6279,492,6277,051,933004,343,8600
       Property Plant Equipment 
0
20,510
17,929
21,832
19,560
20,535
20,535
40,546
37,910
46,942
46,464
51,660
61,959
69,753
69,75361,95951,66046,46446,94237,91040,54620,53520,53519,56021,83217,92920,5100
       Goodwill 
0
831
831
391,706
393,820
401,872
401,872
409,604
397,334
397,486
397,397
397,473
397,505
397,538
397,538397,505397,473397,397397,486397,334409,604401,872401,872393,820391,7068318310
       Long Term Investments 
0
4,310,147
0
0
6,576,706
8,997,883
10,413,246
10,143,059
10,130,306
10,517,274
8,112,773
7,777,129
8,930,787
0
08,930,7877,777,1298,112,77310,517,27410,130,30610,143,05910,413,2468,997,8836,576,706004,310,1470
       Intangible Assets 
0
12,372
12,162
59,240
61,847
72,337
72,337
147,432
167,989
215,303
182,164
254,378
277,919
0
0277,919254,378182,164215,303167,989147,43272,33772,33761,84759,24012,16212,3720
       Other Assets 
0
423,400
251,443
362,920
1,335,872
1,868,283
1,868,283
2,623,585
2,590,349
3,351,398
25,118,159
4,568,919
-4,087,546
43,345,195
43,345,195-4,087,5464,568,91925,118,1593,351,3982,590,3492,623,5851,868,2831,868,2831,335,872362,920251,443423,4000
> Total Liabilities 
0
9,716,139
9,317,240
12,014,419
13,020,695
15,416,140
15,416,140
20,450,522
21,254,306
24,280,870
25,025,776
27,963,484
29,803,924
36,938,810
36,938,81029,803,92427,963,48425,025,77624,280,87021,254,30620,450,52215,416,14015,416,14013,020,69512,014,4199,317,2409,716,1390
   > Total Current Liabilities 
0
3,331,258
8,749,031
11,723,524
4,127,691
4,882,159
4,882,159
5,930,966
5,894,436
6,871,826
62,100
7,792,215
7,920,893
113,595
113,5957,920,8937,792,21562,1006,871,8265,894,4365,930,9664,882,1594,882,1594,127,69111,723,5248,749,0313,331,2580
       Short-term Debt 
0
0
5,497,160
7,505,684
8,089,835
7,600
7,600
13,310,148
91,486
181,113
20,400
42,650
86,039
113,595
113,59586,03942,65020,400181,11391,48613,310,1487,6007,6008,089,8357,505,6845,497,16000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
42,650
86,039
0
086,03942,65000000000000
       Accounts payable 
0
3,331,258
5,461,652
7,505,684
4,127,691
4,882,159
4,882,159
5,930,966
5,894,436
6,871,826
7,054,783
7,749,565
7,834,854
0
07,834,8547,749,5657,054,7836,871,8265,894,4365,930,9664,882,1594,882,1594,127,6917,505,6845,461,6523,331,2580
       Other Current Liabilities 
0
-3,331,258
3,031,273
4,104,699
-4,127,691
-38,300
-38,300
-5,930,966
-5,894,436
-6,871,826
-7,054,783
-7,792,215
-7,920,893
-113,595
-113,595-7,920,893-7,792,215-7,054,783-6,871,826-5,894,436-5,930,966-38,300-38,300-4,127,6914,104,6993,031,273-3,331,2580
   > Long-term Liabilities 
0
223,916
0
0
280,764
4,882,159
4,882,159
5,930,966
5,894,436
6,871,826
24,982,000
880,973
1,168,326
36,901,868
36,901,8681,168,326880,97324,982,0006,871,8265,894,4365,930,9664,882,1594,882,159280,76400223,9160
       Long term Debt Total 
0
0
513,595
117,098
169,905
164,875
167,964
495,902
441,398
567,592
633,526
741,043
0
0
00741,043633,526567,592441,398495,902167,964164,875169,905117,098513,59500
       Other Liabilities 
0
127,412
164,193
218,059
291,309
251,274
312,684
287,638
320,026
719,187
462,955
455,101
469,820
0
0469,820455,101462,955719,187320,026287,638312,684251,274291,309218,059164,193127,4120
       Deferred Long Term Liability 
0
24,953
36,419
54,574
64,031
76,183
110,765
111,332
119,319
157,439
0
198,621
206,908
0
0206,908198,6210157,439119,319111,332110,76576,18364,03154,57436,41924,9530
> Total Stockholder Equity
0
438,111
803,847
1,937,095
1,903,673
4,441,032
4,441,032
4,738,159
4,752,682
5,208,521
4,890,783
5,644,599
5,889,318
6,406,385
6,406,3855,889,3185,644,5994,890,7835,208,5214,752,6824,738,1594,441,0324,441,0321,903,6731,937,095803,847438,1110
   Common Stock
0
45
48
81
81
83
83
83
83
83
83
84
84
84
848484838383838383818148450
   Retained Earnings Total Equity00000000000000
   Accumulated Other Comprehensive Income 
0
-97,500
0
0
-101,016
-109,227
-109,227
-128,586
-164,712
-14,445
-137,651
126,987
29,607
156,430
156,43029,607126,987-137,651-14,445-164,712-128,586-109,227-109,227-101,01600-97,5000
   Capital Surplus 
0
0
1,038,361
2,112,245
2,113,501
4,678,585
4,960,557
4,962,573
4,963,187
4,963,774
4,965,793
4,970,786
0
0
004,970,7864,965,7934,963,7744,963,1874,962,5734,960,5574,678,5852,113,5012,112,2451,038,36100
   Treasury Stock00000000000000
   Other Stockholders Equity 
0
638,007
-13,588
60,963
2,113,501
4,678,585
4,678,585
4,962,573
4,963,187
4,965,793
4,963,774
4,970,786
4,971,814
4,972,922
4,972,9224,971,8144,970,7864,963,7744,965,7934,963,1874,962,5734,678,5854,678,5852,113,50160,963-13,588638,0070



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue7,011,250
Cost of Revenue-2,315,750
Gross Profit4,695,5004,695,500
 
Operating Income (+$)
Gross Profit4,695,500
Operating Expense-3,156,422
Operating Income1,539,0781,539,078
 
Operating Expense (+$)
Research Development0
Selling General Administrative1,442,368
Selling And Marketing Expenses0
Operating Expense3,156,4221,442,368
 
Net Interest Income (+$)
Interest Income5,583,887
Interest Expense-1,838,798
Other Finance Cost-0
Net Interest Income3,745,089
 
Pretax Income (+$)
Operating Income1,539,078
Net Interest Income3,745,089
Other Non-Operating Income Expenses0
Income Before Tax (EBT)1,539,0781,539,078
EBIT - interestExpense = -299,720
1,539,078
2,869,328
Interest Expense1,838,798
Earnings Before Interest and Taxes (EBIT)1,539,0783,377,876
Earnings Before Interest and Taxes (EBITDA)1,601,973
 
After tax Income (+$)
Income Before Tax1,539,078
Tax Provision-385,366
Net Income From Continuing Ops372,0401,153,712
Net Income1,030,530
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses5,472,172
Total Other Income/Expenses Net0-3,745,089
 

Technical Analysis of Nu Holdings Ltd
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Nu Holdings Ltd. The general trend of Nu Holdings Ltd is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Nu Holdings Ltd's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Nu Holdings Ltd.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 12.39.

The bearish price targets are: 10.50 > 9.94 > 9.51.

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Nu Holdings Ltd Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Nu Holdings Ltd. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Nu Holdings Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Nu Holdings Ltd. The current macd is 0.45577245.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Nu Holdings Ltd price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Nu Holdings Ltd. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Nu Holdings Ltd price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Nu Holdings Ltd Daily Moving Average Convergence/Divergence (MACD) ChartNu Holdings Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Nu Holdings Ltd. The current adx is 38.36.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Nu Holdings Ltd shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Nu Holdings Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Nu Holdings Ltd. The current sar is 12.37.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Nu Holdings Ltd Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Nu Holdings Ltd. The current rsi is 63.35. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
Nu Holdings Ltd Daily Relative Strength Index (RSI) ChartNu Holdings Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Nu Holdings Ltd. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Nu Holdings Ltd price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Nu Holdings Ltd Daily Stochastic Oscillator ChartNu Holdings Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Nu Holdings Ltd. The current cci is 52.20.

Nu Holdings Ltd Daily Commodity Channel Index (CCI) ChartNu Holdings Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Nu Holdings Ltd. The current cmo is 17.25.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Nu Holdings Ltd Daily Chande Momentum Oscillator (CMO) ChartNu Holdings Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Nu Holdings Ltd. The current willr is -35.68627451.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Nu Holdings Ltd is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Nu Holdings Ltd Daily Williams %R ChartNu Holdings Ltd Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Nu Holdings Ltd.

Nu Holdings Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Nu Holdings Ltd. The current atr is 0.31074294.

Nu Holdings Ltd Daily Average True Range (ATR) ChartNu Holdings Ltd Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Nu Holdings Ltd. The current obv is 1,320,020,661.

Nu Holdings Ltd Daily On-Balance Volume (OBV) ChartNu Holdings Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Nu Holdings Ltd. The current mfi is 58.41.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Nu Holdings Ltd Daily Money Flow Index (MFI) ChartNu Holdings Ltd Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Nu Holdings Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-08STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-10MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-13MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-15MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-16CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-22STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-28DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-04STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-05STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-06CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-08CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-11CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-12CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-26CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-03CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-08SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-10STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-25WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-26CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-30MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-31WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-01STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-02WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-06SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-07MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-09BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-26SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-27ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-08RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-13CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-15MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-21STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-27MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Nu Holdings Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Nu Holdings Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5063.348
Ma 20Greater thanMa 5011.683
Ma 50Greater thanMa 10010.528
Ma 100Greater thanMa 2009.454
OpenGreater thanClose11.820
Total4/5 (80.0%)
Penke

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