Nu Holdings Ltd.
NU · Financial Services · · USDFahodi Score STRONG SELL Mid-term (Position)
23
/ 100
Technical
0
Trend & RS
19
Momentum
26
Fundamental
56
Macro
22
Liquidity
59
| Component | Score | Weight |
|---|---|---|
| Technical | 0.0 | 20% |
| Trend & RS | 19.4 | 30% |
| Momentum | 26.5 | 15% |
| Fundamental | 55.6 | 10% |
| Macro | 22.5 | 20% |
| Liquidity | 58.6 | 5% |
Trade Setup
| Entry | 11.74 |
| Stop Loss | 10.38 (11.6%) |
| Target 1 (1:1) | 13.10 (+11.6%) |
| Target 2 (2:1) | 14.46 (+23.2%) |
| ATR(14) | 0.68 (5.8%) |
| Risk per Share | 1.36 |
| Reward:Risk | 2:1 |
ATR-based levels. Adjust for support/resistance zones.
Factor Profile
| Factor | Score | Z | Bar |
|---|---|---|---|
| Value | 67.8 | +0.71 | |
| Momentum | 26.5 | -0.94 | |
| Quality | 91.6 | +1.67 | |
| Composite | 62.0 | ||
Quality Scores
Piotroski F-Score
5
/9 —
Average
✓
✓
✗
✗
✗
✗
✓
✓
✓
1. Positive Net Income
2. Positive Roa
3. Positive Cfo
4. Quality Earnings
5. Lower Leverage
6. Higher Liquidity
7. No Dilution
8. Higher Gross Margin
9. Higher Asset Turnover
Altman Z-Score
Insufficient Data
Valuation vs Peers Fair Value
| Metric | Stock | Sector | vs Peers |
|---|---|---|---|
| P/E Ratio | 16.1 | 18.0 | -11% below |
| P/B Ratio | 4.3 | 2.5 | Above |
| Dividend Yield | 0.0% | 2.0% | Below avg |
Comparing against Financial Services median multiples.
Intrinsic Value (DCF) Significantly Undervalued
Intrinsic Value
22.75
vs
Market Price
11.74
Upside
+93.8%
| Margin of Safety | +48.4% |
| Stage 1 PV (5yr FCF) | 21,674,884,655 |
| Terminal Value PV | 88,236,848,717 |
| Total Enterprise Value | 109,911,733,372 |
Assumptions
| Base FCF | 2,821,122,244 |
| Growth Rate (5yr) | 25.0% |
| Terminal Growth | 2.5% |
| Discount Rate (WACC) | 9.0% |
2-stage DCF: 5yr projected FCF + Gordon Growth terminal value. Estimates only — adjust growth and WACC for your own assumptions.
Position Sizing — Kelly Criterion
4.09%
Recommended Size
8.91%
Full Kelly
4.45%
Half Kelly
5.0%
Max Cap (Moderate)
Kelly inputs derived from quant score 23/100. Estimated win rate 47%, avg win 6.4%, avg loss 4.5%. This is analytical output, not a recommendation to trade.
RECOVERY
Regime: RECOVERY (40% confidence) — position size reduced 8%
Signal Summary STRONG SELL
0
Bullish Signals
4
Bearish Signals
33.93
RSI(14)
-0.7678
MACD
Relative Strength (RS) WEAK RS
11
/ 99
RS Rating
O'Neil filter: <80
| RS vs SPY | ↓ FALLING (-10.2% vs SPY 3M) |
| RS vs Sector | UNDERPERFORMING (Financial Services) |
| RS New High | No (19d since high) |
| Sector Outperformance | -21.0% (3M) |
RS Line — stock / SPY (90 bars)
← older
newer →
RS vs SPY
50-day SMA of RS
WEAK RS:
Underperformer — the stock is lagging the market. Avoid until RS trend reverses upward.
Technical Indicators
| Indicator | Value | Signal |
|---|---|---|
| Rsi | 33.93 | NEUTRAL |
| Macd | -0.7678 | BEARISH |
| Ma Cross | 14.07 / 14.36 | DEATH CROSS |
| Trend Short | BELOW SMA50 | |
| Trend Long | BELOW SMA200 | |
| Bollinger | MIDDLE | |
| Volume | 1.12x | NORMAL |
Key Levels
| Level | Price |
|---|---|
| 52-Week High | 18.98 |
| Bollinger Upper | 17.08 |
| SMA(200) | 14.36 |
| SMA(50) | 14.07 |
| SMA(20) | 13.7 |
| Current Price | 11.74 |
| Bollinger Lower | 10.33 |
| 52-Week Low | 11.20 |
| ATR(14) | 0.68 |
Advanced Technical Analysis
Click to expand
Wyckoff Phase & Volume Spread Analysis
Wyckoff Phase
MARKDOWN
Confidence
100%
Acc: 0.0 |
Dist: 0.0 |
Markup: 0.0 |
Markdown: 2.0
Volume Spread Analysis (last 5 bars)
| Date | Signal | Vol | Description |
|---|---|---|---|
| 2026-10-30 | Normal | 1.05x | Normal bar — no special VSA pattern |
| 2026-11-02 | Normal | 0.78x | Normal bar — no special VSA pattern |
| 2026-11-03 | Normal | 1.0x | Normal bar — no special VSA pattern |
| 2026-11-04 | Normal | 0.99x | Normal bar — no special VSA pattern |
| 2026-11-05 | Normal | 1.12x | Normal bar — no special VSA pattern |
Ichimoku Cloud BEARISH
| Line | Value | Status |
|---|---|---|
| Tenkan-sen (9) | 12.11 | Below Kijun |
| Kijun-sen (26) | 13.70 | Base line |
| Senkou A | 12.90 | Leading span A |
| Senkou B | 13.70 | Leading span B |
| Cloud | 12.90 – 13.70 | Bearish (Red) |
| Price vs Cloud | 11.74 | Below Cloud |
| Chikou Span | 13.29 | Bearish |
| Alignment Score | 0/4 | BEARISH |
TTM Squeeze & Divergences
TTM Squeeze
SQUEEZE OFF
No squeeze
Momentum:
BEARISH
BB: 10.33 – 17.08 | KC: 12.66 – 14.75
Divergences (last 60 bars)
No significant divergences detected in the last 60 bars.
Anchored VWAP
VWAP: 13.81
Anchor: 2026-06-03 (52w Low)
BELOW AVWAP
-15.0%
Heikin-Ashi Trend
WEAKLY BEARISH
Full data via /api/advanced/NU
Valuation
| Metric | Value |
|---|---|
| Market Cap | 56.71B |
| P/E (TTM) | 16.08 |
| Forward P/E | N/A |
| P/B | 4.28 |
| EPS | 0.73 |
Financial Health
| Metric | Value |
|---|---|
| Revenue Growth | 52.1% |
| Profit Margin | 42.7% |
| ROE | 31.6% |
| Debt/Equity | N/A |
| Current Ratio | N/A |
| Dividend Yield | N/A |
| Payout Ratio | N/A |
| Beta | 0.97 |
Trading Data
11.74
Open
11.74
Day High
11.74
Day Low
99.73M
Volume (1.2x avg)
Price Chart (90 Days)
Candlesticks (green=up, red=down)
SMA 20
SMA 50
Bollinger Bands (upper/lower)
Volume (green=buying, red=selling)