NYSE: NU
Key Data Points
The financial technology company has grown from offering credit cards to providing customers with a range of banking and financial services. Its products and services include:
- Spending solutions: Credit and debit cards and mobile payments.
- Savings solutions: Personal and business accounts, including checking and savings accounts.
- Investing solutions: Investment accounts.
- Borrowing solutions: Personal loans and buy now, pay later.
- Protecting solutions: Life insurance and funeral benefits.
Savings Account
Nu Holdings sees a massive opportunity to disrupt Latin America's more than $1 trillion financial services market. Roughly one-third of people in the region are either largely underbanked and unsatisfied with their current high-cost banking relationships or completely unbanked. While it has already grown to serve more than 110 million customers across three countries, it has a long growth runway ahead.
The company's growth potential has caught the attention of investors, including Warren Buffett. His company, Berkshire Hathaway (BRK.A -1.11%)(BRK.B -1.11%), invested $500 million into Nu Holdings in 2021 before it completed its initial public offering (IPO). However, as of 2025, Berkshire Hathaway held zero shares in Nu Holdings.
With its growth potential and a massive future customer base, you might be considering investing in its stock. Here's a step-by-step guide on how to buy shares of the fintech stock and some factors to consider before adding it to your portfolio.
How to buy Nu Holdings stock
There are a few steps you'll need to take before buying shares of Nu Holdings. This guide will show you how to go about adding the digital financial services platform to your portfolio.
- Open your brokerage account: Log in to your brokerage account where you handle your investments.
- Search for the stock: Enter the ticker or company name into the search bar to bring up the stock's trading page.
- Decide how many shares to buy: Consider your investment goals and how much of your portfolio you want to allocate to this stock.
- Select order type: Choose between a market order to buy at the current price or a limit order to specify the maximum price you're willing to pay.
- Submit your order: Confirm the details and submit your buy order.
- Review your purchase: Check your portfolio to ensure your order was filled as expected and adjust your investment strategy accordingly.
Stock Ticker
Should I invest in Nu Holdings?
You must thoroughly research any company before investing in its stock. On the one hand, the process might lead you to discover something that changes your mind about buying shares. On the other hand, it could further confirm your conviction that the stock is an attractive investment. With that in mind, here are some reasons why you might want to buy shares of Nu Holdings:
- You're seeking a high-growth investment opportunity.
- You think shares of Nu Holdings can meaningfully outperform the S&P 500 over the next three to five years.
- You believe Nu Holdings could disrupt the banking system in Latin America.
- You like to invest in founder-led companies.
- You don't need to earn dividend income from your investment.
- Investing in Nu Holdings would help you build a more diversified portfolio by adding some exposure to the financial sector and Latin America.
- You're comfortable with Nu Holdings' lofty valuation, which you think the company will grow into eventually.
- You understand the risks, including the possibility that shares of Nu Holdings could lose value.
Meanwhile, here are some factors to consider that might lead you away from investing in Nu Holdings:
- You're cautious about investing in companies based outside the U.S. and Latin America in particular.
- You already own several financial stocks.
- You're concerned about the global economy and worry that a recession could slow Nu Holdings' growth and potentially impact its earnings if customers were to fall behind on paying their credit cards or other loans.
- You're a bit concerned about Nu Holdings' higher valuation.
- You're seeking investments with lower stock price volatility than Nu Holdings.
- You're in or nearing retirement and need investments that generate income.
Is Nu Holdings profitable?
Crunching the numbers and analyzing a company's profitability is crucial to an investor's stock research process. Earnings growth typically powers stock price performance over the longer term.
At the holding company level, Nu was profitable during the third quarter of 2025. The digital financial platform reported $782.7 million of net income in the period on $4.1 billion of revenue.
Nu's profitability has significantly improved over the past year. Its net income grew roughly 18.6% in the third quarter, while its revenue surged 42%.
After reporting losses in its first several quarters as a public company, Nu Holdings turned the corner on profitability in the third quarter of 2022 and hasn't looked back. Its net income has soared over the past year:
As the image showcases, the company's profits have grown rapidly over the past year, driven in part by a rising profit margin.
Does Nu Holdings pay a dividend?
Nu Holdings had not initiated a dividend as of mid-2025. The company is still relatively young (it launched in 2013 and completed its IPO in 2021). It currently has no plans to start making dividend payments. While profitable, Nu retains those earnings to fund its operations and continued expansion.
ETFs with exposure to Nu Holdings
Instead of buying shares directly and actively investing in Nu Holdings, investors could go the passive investment route by buying a fund that holds its stock. One of the most common passive investment vehicles is an exchange-traded fund (ETF).
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The bottom line on Nu Holdings
Nu Holdings has grown phenomenally over the past decade by adding new financial products and services and expanding into additional Latin American countries. It's still only scratching the surface of its potential, so it could continue delivering rapidly rising revenue and profits for investors, which could drive its stock price higher over the longer term.
While Nu Holdings has tremendous growth potential, it might not be the best stock for everyone. It trades at a lofty valuation and operates in Latin America, which tends to be a riskier region for investors. Those interested in investing in the company must thoroughly understand its business and its risks before buying shares.
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