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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 $2B or more: A first, then the largest.
USBUS Bancorp \DE\US$ 94,2BA
PNCPNC Financial Services Group, Inc.US$ 91,7BA
NWGNatWest Group plcUS$ 63,9BA
ITUBItau Unibanco Holding S.A.US$ 36,6BA
KEYKeyCorpUS$ 22,5BA
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 de nov. de 2026CAGraded C, now A
HSBCHsbc Holdings plc27 de out. de 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 de nov. de 2026BAGraded B, now A
WFCWells Fargo & Company13 de out. de 2026BAGraded B, now A
CMECME Group Inc.21 de out. de 2026BAGraded B, now A
Como ganha dinheiro
- Interest on credit cards and loans
- Payment and account fees
- Earnings on customer balances and financial assets
- Insurance commissions and marketplace fees
Concorre com
O que 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.
Mostrar mais 3
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.
Quem 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.
Em que se apoia e o que pode quebrá-lo
Do que o negócio depende
- 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.
O que pode dar errado
- 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.
Demonstrações financeiras completas →
Sobre a 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 em
- 2013
- Funcionários
- 10,400 (Q2 2026, medium)
- Listada em
- NYSE
- Fim do exercício
- December 31
Construído a partir dos próprios documentos de Nu Holdings Ltd. entregues à Comissão de Valores Mobiliários dos EUA (SEC). Os números são os divulgados, com o histórico por ação recalculado para a base de ações de hoje. Isto descreve um negócio — não é recomendação de investimento nem sugestão de compra ou venda.