Value
7.8/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 7.0 |
| P/S | 5.1 |
| Fwd P/E | 9.2 |
| PEG | 8.8 |
| Analyst target | 9.0 |
- ▸Forward P/E: 10.5x
- ▸PEG: 0.70
- ▸Attractively valued
NU · Why this verdict
Why Nu Holdings (NU) is rated SELL
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictSELL
Overall score6.6/10
ConfidenceHIGH
MacroRISK_OFF
Per-dimension breakdown
Quality
6.3/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 10.0 |
| ROA | 3.2 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 6.5 |
| Piotroski F | 4.4 |
- ▸Excellent ROE: 30%
- ▸Strong margins: 42%
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 44% YoY
Momentum
2.1/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 2.7 |
| OBV | 1.0 |
| MA position | 2.2 |
| Volume | 0.0 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA but MA still rising (+0.4%/30d) — pullback in uptrend, not confirmed weakness
Sentiment
8.2/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 5.8 |
| Analyst rating | 9.0 |
| Price target | 9.7 |
- ▸Analyst upside: 59%
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.0 |
- ▸Insider selling (low materiality) — $4,701,204 (0.008% of mkt cap)
Peer rank
6.0/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 0.7 |
| quality rank | 9.4 |
| growth rank | 9.0 |
- ▸Superior ROE vs peers
- ▸Best-in-class margins
Technical
6.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 9.4 |
| support resistance | 8.5 |
| 52w position | 2.2 |
Risk (lower is worse)
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 8.1 |
| days to cover | 7.4 |
| volatility | 1.0 |
| put call | 10.0 |
| implied vol | 4.1 |
| max pain risk | 3.0 |
| beta | 7.3 |
| news risk | 3.0 |
- ▸Above max pain $5
Catalyst
4.2/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 1.1 |
| earnings timing | 5.0 |
| surprise avg | 1.9 |
| news activity | 8.0 |
- ▸Earnings concerns: 1B/2M
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more. | News modifier -1 (HOLD_IF_HOLDING → SELL_IF_HOLDING).
Engine technical detail
verdict_path:
L4:PATH_F_HOLD|L3:NEWS_MOD=-1Passed (7)
- ASYMMETRY:4.7>=1.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:66d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- MOMENTUM:2.1<4.5
Warning (0)
none
Reward-to-Risk
4.69
Upside
+43.1%
Downside
9.2%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: ASYMMETRY:4.7>=1.5. Top dim: Growth at 10.0; weakest: Momentum at 2.1. No conviction either direction.
The strongest dimensions are Growth at 10.0, Sentiment at 8.2, and Value at 7.8; the weakest are Momentum at 2.1, Catalyst at 4.2, and Insider at 5.0. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of 4.69 and an engine sizing output of AVOID.