What is Nu Holdings (NU) stock, and how do you trade it?

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What is Nu Holdings?

Nu Holdings Ltd (NU), known as Nubank, is a São Paulo-based digital banking group and one of Latin America’s largest fintechs. Founded in 2013, it offers app-based financial services including current accounts, credit cards, personal loans, insurance, investments, crypto access and loyalty programmes. 

Operating mainly in Brazil, Mexico and Colombia, Nubank focuses on simplifying banking and cutting fees through a single digital platform. As of 30 May 2025, it had over 118 million customers and continues to expand across the region.

Nu Holdings shares are publicly traded on the New York Stock Exchange (NYSE) under the ticker ‘NU’. As of 30 May 2025, Nubank reported a customer base of over 118 million, with ongoing expansion throughout Latin America.

What is Nu Holdings’ share price history?

Nu Holdings Ltd (NYSE: NU) made its NYSE debut on 9 December 2021, pricing at $9.00 and opening at $11.25. Despite strong initial interest, macroeconomic pressures and weaker sentiment towards emerging market fintechs pushed the stock lower in early 2022. By May that year, NU had dropped to a low of $3.26, ending 2022 at $4.07 – less than half its IPO price.

The stock remained rangebound into early 2023, as inflation and rate hikes dampened investor appetite. But momentum shifted mid-year, with strong results and rapid customer growth lifting NU above $8. It closed 2023 at $8.33, up over 100% on the year.

The rally extended into 2024, with NU hitting an all-time high of $16.15 in November. While the price has eased since, it remains well above prior lows. As of 30 May 2025, Nu Holdings was trading at $12.01 – up 15.81% year to date.

What might be next for Nu Holdings? Learn about Nu Holdings stock forecasts 2025-2030 from third-party analysts.

Past performance is not a reliable indicator of future results.

Which factors might affect the Nu Holdings stock price?

A range of company-specific and broader market influences could impact Nu Holdings’ stock price. Here are some factors to watch:

Quarterly results and forward guidance

Nu Holdings’ stock price may respond to the publication of quarterly results and management guidance. Strong performance on earnings, revenue growth, or customer acquisition can be supportive for the price. Conversely, results that fall short of analyst expectations, margin compression, or lower future projections may weigh on the stock.

Competitive landscape

Any developments regarding market shifts, the entry of new digital-banking providers, or increased activity from established local or global fintech firms can influence the share price. Product innovations, updates to pricing strategies, or partnerships within the sector may also affect trading volumes and price direction.

Liquidity and trading activity

The liquidity profile of NU shares is also shaped by trading during regular NYSE hours, with the majority of activity taking place within this window. While generally liquid during US stock-market hours, liquidity is typically limited outside these periods, which may result in wider spreads and shallower order-book depth. This could increase the risk of slippage for traders, particularly around major news events or during heightened volatility.

Macroeconomic and regulatory developments

As a major digital bank across Brazil, Mexico and Colombia, NU’s CFD price may respond to regional economic data, interest rate decisions, and inflation trends. Regulatory changes – such as new rules on lending, consumer protection, or fintech competition – may also introduce price volatility. Announcements from Latin American central banks or financial regulators can move the shares both positively and negatively.

Market sentiment

Investor sentiment towards emerging markets, the global banking sector, or technology-driven stocks can affect Nu Holdings regardless of its own fundamentals. Shifts in global risk appetite, changes in US interest rate forecasts, or broader sector trends may lead to periods of higher volatility and pronounced moves in the share price, even in the absence of company-specific news.

Forex moves and geopolitical risk

Nu Holdings generates most of its revenue in Latin American currencies. Fluctuations in the Brazilian real, Mexican peso or Colombian peso against the US dollar can directly affect the company’s reported financials and, in turn, the share price. Broader geopolitical developments, including elections, policy shifts, or regional instability, may also contribute to increased volatility and short-term movements in NU’s valuation.

Is Nu Holdings a digital banking stock?

Yes, Nu Holdings (NU), known as Nubank, is considered a digital banking stock. It operates as a fully digital financial platform that provides digital accounts, cards, personal loans and life insurance entirely through its mobile app – without any physical branches.

Unlike traditional banks in Brazil or Latin America, Nu Holdings focuses on technology and user experience rather than branch-based banking. The company’s business model centres on accessible, low-fee products delivered online, positioning it among leading fintech players.

Traders looking at Nu Holdings share CFDs may also follow other digital banks and fintechs, such as:

• StoneCo (STNE) – Brazilian payments and digital banking provider – trade StoneCo CFDs.

• PagSeguro Digital (PAGS) – digital payments firm providing accounts in Brazil – trade PagSeguro CFDs.

• Sofi Technologies (SOFI) – a US-based digital bank focused on loans and personal finance – trade SoFi CFDs.

• Block (SQ) – known for digital payments, with some banking services – trade Block CFDs.

Trade major US & global shares CFDs with us.

What are Nu Holdings’s stock trading hours?

Nu Holdings (NU) is listed on the New York Stock Exchange (NYSE), which operates Monday to Friday. Here are the Nu Holdings stock market trading hours in coordinated universal time (UTC):

• Winter (Eastern Standard Time): 2:30pm to 9pm UTC

• Summer (Eastern Daylight Time): 1:30pm to 8pm UTC

You can follow Nu Holdings’ stock performance live in US dollars using our NU share CFD price chart.

Monitoring Nu Holdings during these market hours may help you to identify potential volatility around fundamental events, such as quarterly earnings, macroeconomic data, or forex market fluctuations.

How to trade Nu Holdings share CFDs

Nu Holdings is listed on the New York Stock Exchange (NYSE) under the ticker ‘NU’. You can invest in its shares directly, through a stockbroker, or alternatively, you can use CFDs.

Contracts for difference (CFDs) let you speculate on the share price of Nu Holdings without owning the underlying shares. With CFDs, you can go long (buy) if you believe the NU share price will rise, or short (sell) if you expect it to fall.

CFDs are traded on margin, so you only need to deposit a portion of the total trade value upfront. However, trading on margin increases your exposure, which amplifies both potential profits and potential losses.

When you trade CFDs on the live market price, the main cost is reflected in the spread – the difference between the buy and sell price at a given moment. There are no exchange fees or stamp duty, though other charges may apply.

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