B74/100

Is Nu Holdings Ltd. (NU) a risky stock?

Sector: Banking Price: $14.19 Composite: 74/100

As of July 21, 2026, Clavix grades Nu Holdings Ltd. (NU) B for risk, a composite score of 74 out of 100 on an A+ to F scale, which puts NU in the "solid" band. The grade is a risk read for educational purposes, not a buy or sell recommendation.

Grade as of July 21, 2026. Clavix regrades every trading day.

The five risk dimensions behind NU's grade

Each Clavix grade is a composite of five independent reads. Higher is safer. Here is how NU scores on each, as of July 21, 2026.

Financial healthbalance sheet, margins, cash flow
55
News sentimentscored, sourced recent coverage
75
Macro exposuresensitivity to rates, dollar, oil
68
Sector resiliencestrength vs the broad market
66
Price stabilitydrawdown and volatility
43

What's moving NU's risk right now

Company-specific signals Clavix flags behind NU's current grade, drawn from recent news and filings as of July 21, 2026.

Regulatory · mixed signal

Receiving a full Mexican banking license would likely accelerate Nubank's growth in Mexico by unlocking products and deposit capacities unavailable to its current unregulated or l…

Technical setup · mixed signal

The move signals Nubank's push to replicate its Brazilian success in newer markets and signals management maturity as it scales across multiple countries, potentially supporting l…

What a B grade means

On the Clavix A+ to F scale, NU's composite of 74 falls in the B band (65–79), read as "solid." The scale is fixed, so the meaning never moves.

A+AA-B+BB-C+CC-D+DD-F
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This page is generated from Clavix's own risk model and is for educational purposes only. It is not investment advice or a recommendation to buy or sell NU or any security. Grades are risk indicators, not predictions of return. Data may be delayed.