The Market Is Still Undervaluing Nu $NU

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Nu Holdings $NU ( ▼ 0.57% ) continues to prove that scale, profitability, and growth do not have to be mutually exclusive in fintech. The Brazil-based digital bank is quietly building one of the most efficient and fastest-growing consumer financial platforms in the world, yet it still trades at a valuation that looks disconnected from its operating momentum.

The company’s Q3 earnings reinforced that disconnect. Customer growth accelerated, monetisation improved in its most important market, and operating efficiency continued to trend in the right direction. While shares have rallied 50% over the past twelve months, U.S. fintech peers trade at premium multiples on far slower growth, and Nu remains priced as if its expansion is temporary rather than structural. That mismatch sets up an attractive opportunity for 2026.

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