NU

Nu Holdings Ltd. ·NYSE·Financial Services
14.81 live · 2026-08-27 14:58

Structural scoring is not meaningful for this business

Structural scoring uses gross margin, free cash flow and Altman Z — measures built for operating companies. For banks, insurers and asset managers they produce artifacts, because the cash-flow statement is dominated by lending and deposit flows rather than operations. Treat the structural and composite figures below as not comparable with other sectors, in either direction.

  • Cost of goods sold is not reported, so gross margin reads as 100%
50.2% not comparable
Brown Bear Score
60.5% not comparable
Business Conviction Score
52.7%
Position Health Score
23.2%
Chase Risk
Daily closes

Daily closes · 1Y (252 sessions) · +6.5% · range 11.60–18.76

The Businesswhat the company reports

Business & cash flow

FCF / revenue 32.9%
Gross margin 100.0%
ROIC 3.8%
Forward P/E 13.2

No annual filing with both total assets and a cash-flow figure is cached for this name, so neither validated measure can be computed. FCF/revenue is shown instead, which is not the validated measure.

Price vs Earnings growth

Forward EPS growth has outpaced trailing price return by +48.4pp

Confidence 95.0/100

Takeaway Earnings growth is outpacing price — consistent with the stock not yet fully reflecting its improving forward estimates.

The Pricewhat the chart is doingTop ↑

Price Levels

StrategyCurrent Price Reasonable
Reference band 14.94 — 15.32
Protective stop 13.77 (Structure, 9.0% risk)
Support 14.08 (7 touches, 7.7% away)
Resistance 15.30 (0.9% away)

Takeaway The shares are nearer the ceiling than the floor: about 0.9% below 15.30, where sellers have turned up before, and 7.7% above 14.08, where buyers have stepped in before. That floor has held 7 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 9.0% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.

Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.

Ichimoku Cloud (Adaptive)

Daily cloudPrice ABOVE the cloud | periods 5/14/29 (55% of classic 9/26/52)
LinesTenkan/Kijun BULL | cloud twist BEAR
Cloud eventFresh up breakout 1d ago
Cloud thickness45% percentile
Chikou spanAbove price from 26 periods ago
Weekly cloudPrice ABOVE the weekly cloud (context only, not scored)

Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 14.23 to 14.78. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages agree with that.

Trailing returns

21 days +3.3%
63 days +16.4%
126 days -8.9%
252 days +6.6%
Below 252d high19.1%

Trend context

PositionAbove trend
ExtensionExtended
Trend slopeRising
Direction of travelDiverging from trend

Takeaway Positive Kalman trend with moderate extension; constructive for momentum but watch entry risk.

Volatility

State In a squeeze
Current band width13.4% of price
Recent tightest9.6% (9 sessions ago, narrower than 93.0% of its history)
Expansion since1.40×
Band 13.43 — 15.35

Takeaway Lately this share price has been swinging around inside a range roughly 13% wide, and it recently went unusually quiet — calmer than it has been 93% of the time. When a stock goes quiet like this, its next move tends to look big by comparison. But quiet says nothing about which way it will go: Brown Bear tested calm-before-a-move as a reason to buy, and it did not work.

Historical trends

02550751002026-06-212026-08-26
Position Health Business Conviction

History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.

Who's Tradingthe flow behind the priceTop ↑

Insider activity

ActivityInsider selling
Buy filings0
Sell filings4
Shares sold361,707
Value sold$5.6m
Latest sell2026-08-25
FiledInsiderSharesValue
2026-08-25 Sold Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth Officer 65,000 $956,456
2026-08-24 Sold Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth Officer 25,000 $375,000

Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.

Volume confirmation

Volume-price trend Above its signal line
Confirmation Moderate

No absorption or distribution event in the recent window.

Takeaway More shares change hands on the days this stock rises than on the days it falls. That is what you would expect to see if the rise is being driven by real buying rather than drifting up on a thin market.

Options Positioning

No binary-event flag

NU: no binary-event flag. Near IV 37%, far IV n/a, implied move 4.4%.

Historical volatility 46%
Implied vs historical 0.81×
Implied move ±4.4% by 2026-09-04
Implied move vs ATR 0.37×
Skew Flat (0.99×)
Call wall 15.00 (+1.3% away)
Put wall 14.50 (-2.1% away)
Gamma pin 15.00

Takeaway Options traders are positioned for a move of around 4.4% in either direction by 2026-09-04.

Chain as at 2026-08-27. This is a risk read on whether a specific event is being priced — not a directional view.

Context & Methodthe record, and how it was builtTop ↑

Relative Rotation

ImprovingLeadingLaggingWeakeningvs sectorvs SPYsector vs SPYRS-Ratio →RS-Momentum →

Stock Leadership Confirmed

Rotation health 95.3/100; Strong Rotation Tailwind.

Rotation health 95.3
Rotation strength 92.2
LegQuadrantRS-RatioRS-Mom
Stock vs sector Leading 108.8 119.9
Stock vs SPY Leading 101.3 122.9
Sector vs SPY Improving 92.5 124.1

Direction of travel: North-East / strengthening leadership

Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.

News Headlines

  1. Loading headlines\u2026

Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.

Detailed Scoring

Positive signals

  • Piotroski F-score 5/9 (+14.3)
  • Insider conviction score (+17.7)
  • Gross margin quality: 100.0% (+17.6)
  • FCF margin quality: 32.9% (+16.0)
  • FCF margin improving by 3.9 pts (+1.6)
  • High earnings quality (accrual ratio -0.008) (+1.6)
  • Track 1: MACD histogram state (0.07) (+3.0)
  • Track 1: relative strength trend improving (+5.0)
  • Track 1: bullish DI spread 15.6 (+5.0)
  • Track 1: ADX 22.6 and flat (+3.0)
  • Track 1: relative momentum rank 0.46 (+0.2)
  • Track 1: EMA20 reclaim distance 5.0% (+4.0)
  • Track 1: EMA20 slope improving 1.7% (+4.2)
  • Track 1: positive MACD regime (+3.0)
  • Track 1: MACD line/signal repair quality (+8.0)
  • Track 1: MACD slope improving (+3.0)
  • Track 1: RSI recovery 61.0, 5-day change +9.6 (+3.8)
  • Track 1: VPT strength 0.20 (+4.0)
  • Track 1: price above EMA50 by 7.8% (+4.9)
  • Track 1: EMA50 slope improving 2.2% (+3.0)
  • Track 1: EMA200 support proximity 6.2% (+2.7)
  • Track 1: Bollinger position 0.91 (+0.8)

Negative signals

  • Track 1: weak volume confirmation (0.69x average)
  • Below-average Altman Z-score (2.32)
  • ROIC improving by -1.9 pts (+-4.0)

Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.