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The themes Nu is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The theme it is part of
Highest-graded in Banks Regional
Graded A or B and worth $2B or more: A first, then the largest.
USBUS Bancorp \DE\94,2B US$A
PNCPNC Financial Services Group, Inc.91,7B US$A
NWGNatWest Group plc63,9B US$A
ITUBItau Unibanco Holding S.A.36,6B US$A
KEYKeyCorp22,5B US$A
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.4 nov 2026CAGraded C, now A
HSBCHsbc Holdings plc27 oct 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 nov 2026BAGraded B, now A
WFCWells Fargo & Company13 oct 2026BAGraded B, now A
CMECME Group Inc.21 oct 2026BAGraded B, now A
Cómo gana dinero
- Interest on credit cards and loans
- Payment and account fees
- Earnings on customer balances and financial assets
- Insurance commissions and marketplace fees
Compite con
Qué vende6
Nu Credit and Prepaid Card
A Mastercard card customers can use for credit purchases or to spend money loaded onto the prepaid balance, managed in Nu's app.
Nu personal and business accounts
Digital accounts for receiving, keeping and transferring money, paying bills and making purchases; business accounts help owners separate business and personal transactions.
Personal loans
Loans customers apply for and manage in the app. They include unsecured loans and loans backed by payroll income or other collateral.
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Money Boxes and investment services
Tools for setting savings goals and investing in products such as funds, fixed-income investments and stocks.
Insurance
Life, mobile-device, home and other insurance policies that customers can choose and buy in the app; partner Chubb underwrites the policies.
NuPay
A checkout service for purchases at partner merchants, letting customers pay from their account or use credit without entering card details on the merchant's site.
Quién se lo compra3
- Consumers who use Nu cards and accounts for purchases, payments, saving and borrowing through the app.
- Small businesses and entrepreneurs who use business accounts, payment services and credit.
- Merchants that pay fees when customers make card purchases or use NuPay.
En qué se apoya y qué podría romperlo
De qué depende el negocio
- 1Nu relies on Mastercard to process its card transactions.
- 2Customer deposits are an important source of funding for Nu's lending, and many deposits can be withdrawn on short notice.
- 3Nu depends on third-party data centers, internet providers and cloud services to run its app and banking systems.
- 4Nu relies on partners including Chubb for insurance underwriting and Claro for its mobile service.
Qué podría salir mal
- 1If borrowers fall behind on payments more than Nu expects, loan losses could exceed the money it has set aside for them; Nu has also historically earned a substantial portion of revenue from credit cards.
- 2A sudden loss of deposits could leave Nu with less funding for lending or force it to pay more to attract replacement funding.
- 3A failure or cyberattack affecting Nu's systems or outside technology providers could interrupt customer services; problems with Mastercard card processing could also disrupt card payments.
Estados financieros completos →
Sobre Nu Holdings Ltd.
Nu provides digital banking and financial services through its mobile app. Customers can make payments, keep and invest money, borrow, and buy insurance; small businesses can also use accounts and credit products.
- Sede
- São Paulo, Brazil
- Fundada en
- 2013
- Empleados
- 10,400 (Q2 2026, medium)
- Cotiza en
- NYSE
- Cierre del ejercicio
- December 31
Construido a partir de los propios informes de Nu Holdings Ltd. ante la Comisión de Bolsa y Valores de EE. UU. (SEC). Las cifras son las declaradas, con el historial por acción reexpresado a la base de acciones de hoy. Esto describe un negocio: no es asesoramiento de inversión ni una recomendación de compra o venta.