Nu Holdings Stock: Is It Worth Buying in Singapore in 2025?

Why trust HelloSafe ?

At HelloSafe, our expert has been tracking the performance of Nu Holdings for over three years. Every month, hundreds of thousands of users in Singapore trust us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Nu Holdings.

What is Nu Holdings?

The price of Nu Holdings stock

The price of Nu Holdings stock is rising this week. As of now, the share is trading at $13.60 USD, up 0.82% over the past 24 hours and showing a 1.57% gain for the week. Nu Holdings reaches a market capitalization of $65.61 billion USD with a three-month average volume of 60.7 million shares. The P/E ratio stands at 30.92, there is no dividend yield, and the stock’s beta is 1.04. Given this moderate volatility, investors may consider Nu Holdings as a dynamic option in fast-evolving financial markets.

Our Full Analysis of Nu Holdings Stock

After reviewing Nu Holdings’s latest financial results and evaluating its performance over the past three years, we leveraged a proprietary blend of quantitative financial indicators, advanced technical signals, current market data, and sector benchmarking against regional and global competitors. This multi-layered analysis, integrating independent research and algorithmic screening, offers a comprehensive lens on this dynamic digital banking leader. So, why might Nu Holdings stock once again become a strategic entry point into the fintech sector in 2025?

Recent performance and market context

Nu Holdings has continued to impress with robust recent price action. The stock is currently trading at $13.60 USD, representing a weekly gain of 1.57% and an annual return of over 9%—outperforming several regional fintech peers. Notably, shares are up nearly 24% over six months, showcasing resilience across broader market fluctuations. Positive news flow has strengthened investor sentiment: recent expansion into Mexico with a full banking licence extends Nu’s scalable model beyond Brazil, the addition of high-profile leadership such as Roberto Campos Neto (ex-president of the Central Bank of Brazil) solidifies institutional confidence, and the onboarding of 4.3 million new clients in Q1 2025 pushes Nu’s user base to 118.6 million. These developments, set against a backdrop of increasing digital financial adoption in Latin America and an optimistic global fintech outlook, create a supportive macro environment that may further propel the stock.

Technical analysis

Nu Holdings’s technical indicators paint a constructive picture. The 14-day RSI currently sits at 54.06, signaling a neutral-to-positive set-up with ample room for further upside momentum. The MACD remains positive (+0.030), confirming a bullish bias. The stock trades above all key moving averages: 20-day ($13.57), 50-day ($13.49), 100-day ($12.88), and 200-day ($12.48), confirming a 'golden cross' structure that traditionally signals the start of a bullish medium-term phase. Price has recently bounced from strong support at $10.12, with $14.00 now acting as an achievable resistance, which if breached, could catalyze renewed upward moves. The combination of positive trend signals and a robust trading structure strongly enhances the argument for Nu Holdings entering a new bullish period.

Fundamental analysis

Fundamentally, Nu Holdings continues to deliver outstanding results. Q1 2025 revenue soared to $3.2 billion USD, a 40% year-over-year increase, with net income reaching $557.2 million (+74% YoY), and EPS climbing nearly 46%. The firm slightly missed on the top line but significantly beat profit expectations, illustrating operational efficiency and margin expansion. The forward P/E ratio of 30.92 reflects investor faith in future growth, especially when weighed against a projected annual revenue growth of 30–40%. Nu’s scalable digital-only business model achieves a cost-to-serve below one dollar per client, granting it exceptional operating leverage as it broadens its geographic reach. Innovations such as AI-driven customer support, integrated crypto and marketplace features, and seamless app-based banking underline Nu’s leadership in tech-driven financial services. Market share gains in both Brazil’s SME and retail banking segments reinforce structural advantages, and ongoing organic expansion into Colombia and Mexico hints at further upside potential. Nu’s economic moat appears both defensible and expanding.

Volume and liquidity

A healthy average daily volume of 60.7 million shares underscores the stock’s high liquidity and broad institutional participation, facilitating efficient price discovery and reducing volatility risks typically associated with regional banks. The strong float—driven by a large base of shares outstanding (4.82 billion)—provides further comfort to investors, helping enable a dynamic valuation with ample potential for both upward re-rating and active trading. Such liquidity is attractive for both entry and exit strategies, and signals robust market confidence in Nu’s business trajectory.

Catalysts and positive outlook

Nu Holdings is well-positioned amid several major positive catalysts:

• Acceleration into new geographies: The award of a full banking licence in Mexico signals a step change in addressable market size and revenue potential.
• Technological innovation: Continuous rollouts in AI, digital lending, and cryptocurrency products cement Nu’s leadership in next-gen financial platforms.
• Ongoing customer growth: The addition of millions of new clients per quarter powers network effects, cross-selling opportunities, and revenue resilience.
• Strategic leadership: The recruitment of top tier financial executives accelerates Nu’s path toward mature, sustainable growth.
• ESG and financial inclusion focus: Nu’s business model targets the unbanked and underbanked populations—a key consideration as ESG investing gains traction globally.

The backdrop of supportive regulatory changes and macroeconomic trends in Latin America, combined with increasing digital banking penetration and ongoing tech sector growth, creates an environment primed for upward re-rating over the medium term.

Investment strategies

Nu Holdings’s chart and fundamentals suggest several compelling entry points:

• Short-term: Momentum traders may view any pullback toward the $12.50–$13.00 range as a potential technical buying zone, supported by moving averages and a recent bullish ‘golden cross’. Any break above $14.00 could act as momentum confirmation for quick trades.
• Medium-term: Investors seeking early participation in regional fintech expansion might consider overweighting ahead of full integration of Mexican operations and Q2/Q3 earnings, which historically mark inflection points.
• Long-term: For those building a core position, Nu’s dominant presence in digital banking, scalable model, high user growth, and multi-country expansion offer robust arguments for a strategic, multi-year hold. The stock’s PEG (price/earnings to growth) ratio, supported by consensus projections, appears attractive relative to both regional banks and global fintech leaders.

For all horizons, establishing partial positions on technical pullbacks and adding on confirmation of growth catalysts may offer optimal risk-adjusted exposure.

Is it the right time to buy Nu Holdings?

Nu Holdings offers a unique combination of high revenue growth, exceptional user expansion, solid profitability, and real innovation at scale—qualities that define best-in-class technology investments. Its technical structure is robust, the competitive moat is expanding, and major catalysts are in play. With significant liquidity, a favorable valuation relative to forward earnings, and upside from continued geographic expansion, Nu Holdings stock seems to represent an excellent opportunity for investors seeking fintech exposure in an emerging market context. The convergence of strong fundamentals, positive technical signals, and supportive macro trends justifies renewed interest and may mark this moment as an ideal entry point for growth-oriented investors. As always, disciplined position sizing and sustained research remain essential, but Nu Holdings is entering a phase ripe with ambitious potential and compelling opportunity.

How to buy Nu Holdings stock in Singapore?

Buying Nu Holdings stock online is a simple and secure process thanks to regulated brokers in Singapore. You can either purchase shares outright (spot buying) or trade Contracts for Difference (CFDs) that follow Nu Holdings’ share price. Spot buying means you directly own the stock, while CFD trading lets you take positions with leverage and flexibility. Each method has different costs and benefits to consider. For a full broker comparison suited to your needs, see the section further down the page.

Spot buying

A cash purchase means you buy Nu Holdings shares directly on the stock exchange through your broker and fully own them. Most brokers in Singapore charge a fixed commission per order, usually between SGD 5 and SGD 25, depending on the platform. These fees apply to both buying and selling shares.

Investment Gain Scenario

Let’s say the Nu Holdings share price is USD 13.60, or about SGD 18.30. With a SGD 1,000 stake, you can buy around 54 shares after accounting for a SGD 5 brokerage fee.

Gain scenario:
If the share price rises by 10%, your 54 shares are now worth SGD 1,100.
Result: +SGD 100 gross gain, or +10% on your investment.

Trading via CFD

Trading via CFD (Contract for Difference) lets you speculate on Nu Holdings’ price movements without owning the actual shares. You pay the spread (the difference between buying and selling prices) and, for positions held overnight, a financing fee. CFDs allow you to use leverage, increasing both potential gains and losses.

Gain scenario

You open a CFD position on Nu Holdings shares with 5x leverage and a SGD 1,000 initial stake.

This means your market exposure is SGD 5,000.

If the stock rises by 8%, your position gains 8% × 5 = 40%.

Result: +SGD 400 gain on a SGD 1,000 stake (excluding fees).

Final advice

Before you invest, carefully compare brokers’ fees, platforms, and conditions to ensure they fit your needs. The best method depends on your investment goals, whether you prefer direct ownership or flexible trading. A detailed broker comparison is available further down this page.

Our 7 tips for buying Nu Holdings stock

The latest news about Nu Holdings

Nu Holdings has achieved over 40% year-on-year revenue growth, signaling strong operational momentum.
The company reported a quarterly revenue of $3.2 billion, reflecting significant acceleration in its digital banking activities and positioning itself as a key player among emerging markets, which continues to capture the attention of international investors including those in Singapore.

Nu Holdings reported a 74% jump in net profit, exceeding analyst expectations for Q1 2025 profitability.
With net income reaching $557.2 million and earnings per share up 45.7% versus last year, the group demonstrates improving profitability and operational leverage, elements highly regarded by global asset managers in Asia.

Technical analysis shows a confirmed “golden cross” and sustained buy signals across major moving averages for Nu Holdings.
Both medium and long-term market indicators (20-day to 200-day moving averages) remain in a confirmed upward trend, providing positive technical sentiment for investors tracking the stock from Singapore.

Nu Holdings recently appointed Roberto Campos Neto, former Brazilian Central Bank President, as Vice-President, strengthening its leadership team.
This strategic addition is expected to reinforce corporate governance and foster regulatory confidence, especially valuable for foreign institutional investors considering exposure to the Latin American fintech sector.

Market enthusiasm is supported by analyst consensus, with a price target offering nearly 14% upside from current levels.
The company’s stock continues to outperform regional peers and reflects optimism among financial analysts in Singapore, especially as Nu Holdings expands into new markets, including Mexico and potentially Asia in the future.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.