Is Nu Holdings a good stock to buy?

Nu Holdings has rapidly become one of the world's largest digital financial services platforms. However, even with more than 110 million customers in three Latin American countries (as of mid-2025), it still has a long growth runway ahead. It could continue increasing its revenue and profits at an above-average pace for years to come, driving its stock price higher in the future. On the downside, Nu Holdings trades at a relatively elevated valuation, at nearly 24 times its forward earnings and about 5.9 times its price-to-sales ratio, as of late 2025. It will need to continue growing rapidly to justify that valuation. While its stock price could be volatile, it has all the makings of a good stock to buy, especially for those seeking a high-growth opportunity.

What kind of business is Nu Holdings?

Nu Holdings is a large digital financial services platform focused on Latin America. It currently has operations in Brazil, Mexico, and Colombia. The company uses its proprietary technology to provide customers with various financial solutions across spending, savings, investment, lending, and insurance.

Why invest in Nu Holdings?

Nu Holdings' main draw as an investment is its growth potential. The company has already grown tremendously since launching more than a decade ago. Its customer count has doubled over the past two years, while revenue has increased fivefold. That has enabled Nu Holdings to turn the corner on profitability, which is rising rapidly. The digital financial services company has a long growth runway ahead. Its 110 million customers across three Latin American countries are only scratching the surface of the largely underbanked region of more than 700 million people. Nu Holdings' ability to continue profitably growing its financial services business could enrich shareholders over the long term.

How to Buy Nu Holdings Stock (NU) in 2026

By Matthew DiLallo – Updated Jan 8, 2026 at 6:06 PM EST | Fact-checked by Parker Hicks

Key Points

Nu Holdings has expanded by offering diverse financial services to over 110 million customers in Latin America.
The company's growth is supported by a large, underbanked market offering ample future customer expansion.
Investors should consider Nu Holdings for its substantial growth potential in a burgeoning market.

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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. If you don't have one yet, take a look at our favorite brokers and trading platforms to find the right one for you.
Search for Nu Holdings: Enter the ticker "NU" 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.

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Should you invest in Nu Holdings?

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.

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NYSE: NU

Nu Holdings

Premium Feature

Moneyball Superscore

86/100

Today's Change

(-2.15%) $-0.33

Current Price

$15.00

Key Data Points

Market Cap

$74B

Day's Range

$14.99 - $15.28

52wk Range

$11.20 - $18.98

Volume

68.3M

Avg Vol

75.9M

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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:

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Nu profitability.jpg — Image source: Nu Holdings.

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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.

How to invest in Nu Holdings through ETFs

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).

According to ETFChannel.com, 117 ETFs held shares of Nu Holdings as of late 2025. Global X Brazil Active ETF (BRAZ -1.54%) had the largest allocation at 12.29%. It was the fund's largest holding. That decent allocation makes this ETF a solid option for investors who want to gain some passive exposure to Nu Holdings and other top stocks from Latin America.

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Will Nu Holdings stock split?

Nu Holdings didn't have plans for an upcoming stock split as of late 2025. The company has not completed a stock split since going public in 2021 and isn't likely to split its stock anytime soon.

As of late 2025, shares of Nu Holdings traded at around $15 per share, putting them slightly above their IPO price of $9 per share. The share price would need to gain significantly before Nu Holdings would need to split its stock to make it more accessible to investors.

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The bottom line

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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Investing in Nu Holdings FAQ

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About the Author

Matt DiLallo has been a contributing Motley Fool stock analyst specializing in the energy, industrials, and real estate sectors since 2012. He also covers dividend-paying stocks, pre-IPO companies, ETFs, and other investing topics. He holds an MBA from Liberty University.

TMFmd19

@MatthewDiLallo

Matt DiLallo has positions in Nu Holdings. The Motley Fool recommends Nu Holdings. The Motley Fool has a disclosure policy.

How to Buy Nu Holdings Stock (NU) in 2026

Key Points

How to buy Nu Holdings stock

Should you invest in Nu Holdings?

NYSE: NU

Key Data Points

Is Nu Holdings profitable?

Does Nu Holdings pay a dividend?

How to invest in Nu Holdings through ETFs

Will Nu Holdings stock split?

The bottom line

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Investing in Nu Holdings FAQ

Is Nu Holdings a good stock to buy?

Is Nu Holdings a good stock to buy?

What kind of business is Nu Holdings?

What kind of business is Nu Holdings?

Why invest in Nu Holdings?

Why invest in Nu Holdings?

About the Author

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Is Nu Holdings a good stock to buy?

Is Nu Holdings a good stock to buy?

What kind of business is Nu Holdings?

What kind of business is Nu Holdings?

Why invest in Nu Holdings?

Why invest in Nu Holdings?

Does Nu Holdings pay a dividend?

How to invest in Nu Holdings through ETFs