A Look At Nu Holdings (NU) Valuation After US Approval For New National Bank

Simply Wall St.02-07

AdvertisementWhat the new US national bank means for Nu Holdings shareholders Nu Holdings (NYSE:NU) just cleared a key hurdle in its push into the United States, securing conditional OCC approval to ...

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National Bank\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-02-07 19:09 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/a-look-at-nu-holdings-nu-valuation-after-us-approval-for-new><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>AdvertisementWhat the new US national bank means for Nu Holdings shareholders Nu Holdings (NYSE:NU) just cleared a key hurdle in its push into the United States, securing conditional OCC approval to ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/a-look-at-nu-holdings-nu-valuation-after-us-approval-for-new\">Source 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Holdings(NU)估值一览","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NBHC":1.5,"NU":1.5},"content_text":"AdvertisementWhat the new US national bank means for Nu Holdings shareholders Nu Holdings (NYSE:NU) just cleared a key hurdle in its push into the United States, securing conditional OCC approval to form Nubank, N.A., which would operate under a federal banking framework. This green light, combined with leadership appointments at the new US bank and prior regulatory progress in Mexico and Brazil, gives investors a fresh reference point for thinking about Nu’s scale, product mix, and potential long term earnings power. See our latest analysis for Nu Holdings. Nu’s latest US approval lands after a period where momentum has cooled slightly in the short term, with a 7 day share price return of 1.97% decline and a 30 day share price return of 0.57% decline. Yet the 1 year total shareholder return of 26.73% and 3 year total shareholder return of very large growth indicate that long term holders have still seen strong gains, pointing to sentiment that is consolidating rather than reversing around the current US$17.40 level. If this US banking move has you thinking about where digital finance could head next, it might be worth scanning a broader set of opportunities across 18 cryptocurrency and blockchain stocks as a starting point for further ideas. With Nu now trading around US$17.40, recent revenue and net income growth rates are strong and the stock sits roughly 15% below the average analyst target. Is this genuine upside, or is the market already pricing in that future growth? Most Popular Narrative: 70.7% Undervalued Nu Holdings last closed at $17.40, while the most followed narrative, according to DailyInvestors, points to a materially higher fair value based on its own assumptions.  Currently 2.77%+, and has been consistently staying Green. Tomorrow Nu Holdings will be releasing their Quarterly Report. Currently up 29% in the past 3 months, and being backed up by some of The Biggest Names in the Market. Nu Holdings is a digital corporation that engages in Digital Banking. Slowly growing in South America, it has been catching Investors eyes for a long time now. Nu is being mixed on their Earnings Release. However if we get into the technicals of the Market, it is showing that tomorrow will be a Bullish Event. On their last report, it was over a 10% gain. Just as most investors strayed away from SHOP today, based on our signals we made a 15% morning gain. With all of this being said, we Predict NU Holdings as a Beat Tomorrow with the potential for a catastrophic Gain.  Read the complete narrative. Curious how that fair value gets so far above $17.40? The narrative leans heavily on rapid revenue expansion, rising margins and a rich future earnings multiple. Want to see exactly how those moving parts stack up in the model that supports a fair value well above the current price? The full narrative lays out the projections in detail. Result: Fair Value of $59.35 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this kind of upside case can quickly crack if Nu’s high growth assumptions or rich future P/E multiple prove too optimistic, or if regulation tightens. Find out about the key risks to this Nu Holdings narrative. Another View: What Our P/E Check Is Telling You That $59.35 fair value from the user narrative sits well above where our own check on valuation comes out. On our numbers, Nu trades on a P/E of 33.3x compared with 12x for the US Banks industry and 14x for peers, while our fair ratio sits lower at 22.4x. In plain terms, the current price already embeds much richer expectations than both the industry and our fair ratio suggest. The key question is whether Nu can keep delivering enough growth to justify staying this far above those benchmarks. See what the numbers say about this price — find out in our valuation breakdown. NYSE:NU P/E Ratio as at Feb 2026 Build Your Own Nu Holdings Narrative If you see the numbers differently or prefer to rely on your own homework, you can build a personalised Nu Holdings story in just a few minutes, starting with Do it your way. A great starting point for your Nu Holdings research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision. Ready to hunt for your next idea? If Nu has you thinking about what else could belong on your watchlist, do not stop here. Broaden your research now or you will miss other strong ideas.  Target quality at a discount by scanning our list of 53 high quality undervalued stocks that combine fundamentals with more modest pricing. Focus on resilience first and see which companies pass our filters in the 86 resilient stocks with low risk scores so you can prioritise steadier profiles. Spot potential future standouts early by checking the screener containing 25 high quality undiscovered gems before they attract wider attention.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Nu Holdings might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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