Where Will Nu Holdings Be in 10 Years?

By Anders Bylund – Feb 22, 2026 at 8:33AM ESTKey PointsNu Holdings has 127 million users, and the stock has tripled the S&P 500's returns over the past three years.The company dominates Brazil with over 60% of adults using Nubank.Management sees potential for Netflix-style global expansion, though financial regulations will slow the rollout.We’re bullish on these 10 stocks ›NYSE: NUNu HoldingsMarket Cap$85BToday's Changeangle-down(1.30%) $0.23Current Price$17.55Price as of February 20, 2026 at 3:58 PM ETNu Holdings has conquered Brazil. Now, it wants the rest of the world.Nu Holdings (NU +1.30%) is known for its innovative digital bank, Nubank. It's one of the largest fintech institutions in the world, with 127 million users and $29 billion of customer deposits. The stock was off to a rough start after entering the market at the start of the 2021-2022 inflation panic but has tripled the S&P 500 (^GSPC +0.69%) index's returns over the last three years. The company is also in the midst of a sweeping strategy shift. Founder and CEO David Vélez sees Nubank's Latin American success as the first chapter in a global expansion story. Vélez has ambitious plans for the next chapter, including international growth and a broader Money Platform business model. Here's Nu Holdings' growth plan for the next 10 years. ExpandNYSE: NUNu HoldingsToday's Change(1.30%) $0.23Current Price$17.55Key Data PointsMarket Cap$85BDay's Range$17.18 - $17.5952wk Range$9.01 - $18.98Volume979KAvg Vol43M What is Nubank, anyway? Nu Holdings runs a newfangled financial technology business, not a traditional bank. Instead of physical branches and human staff, it offers bank-like services online in a data-driven digital ecosystem. Low fees and online transactions make Nubank a popular choice for people who have never had a credit card or a bank account before. A pleasant customer experience is a must, and Nu Holdings treats the Net Promoter score (positive word-of-mouth marketing) as a primary business metric. Nubank has been extremely successful in countries like Brazil and Mexico, where a large share of the population is unbanked. In the third quarter of 2025, over 60% of the adult Brazilian population had an active Nubank account. Nu Holdings' customer deposits rose 37% year over year to $38.8 billion, revenue jumped 42% to $4.17 billion, and gross profit was up by 35% to $1.81 billion. In other words, Nu Holdings runs a hyperefficient financial services business that is growing at a breakneck speed. Image source: Getty Images.

The Money Platform roadmap The Latin American growth is a good start, but Nu Holdings wants more. Over the next 10 years, the company wants to be the primary financial resource for its customers. This comprehensive Money Platform starts with simple tools like credit cards and checking accounts. Next, people will invest through Nu's stock-trading services. Then, there are personal loans, insurance plans, and the NuShop e-commerce portal. This system is already budding, and management claims that people who treat Nu as their primary bank generate 4 times as much revenue for Nu Holdings as the less engaged population. The Netflix playbook, just a bit slower The company is huge in Brazil, growing extremely fast in Mexico and Colombia, and is eyeing the rest of Latin America for the next phase. At the same time, nonfinancial services like the NuCel mobile phone network and the Nu Travel trip-planning platform are boosting the company's monetization per user. Yep, a neobank can run cellphone networks and travel portals, too. The company is putting a lot of work into its long-term expansion plan, which will eventually go beyond Latin America and form a global system. Remember how Netflix (NFLX +2.13%) built a scalable media-streaming platform in North America and then launched it worldwide in January 2016? I see Nu Holdings trying a similar approach in the fintech sector, though the global expansion won't be quite as sudden due to heavier regulation of financial services.

The Money Platform is being built in Brazil and Mexico today and should be applicable to other heavily unbanked markets, too. The addressable market is still enormous, and I can't wait to see Nu Holdings stretching its digital banking tools to more nations over the next decade.Read NextFeb 16, 2026 •By Jennifer SaibilPrediction: These Could Be the Best-Performing Bank Stocks Through 2030Feb 3, 2026 •By Leo SunThis Could Be 1 of the Best Bank Stock Buying Opportunities I've Seen in YearsJan 31, 2026 •By Jennifer SaibilI Predicted This Former Buffett Stock Would Outperform Every Other Buffett Stock in 2025. I Was Right.Jan 30, 2026 •By Neil PatelPrediction: 2026 Will Be the Year of Nu HoldingsJan 29, 2026 •By Neil PatelShould You Forget JPMorgan Chase and Buy Nu Holdings Stock Instead?Jan 26, 2026 •By Emma NewberyStock Market Today, Jan. 20: Nu Holdings Rises as Brazilian Banks Attract SpotlightAbout the AuthorAnders Bylund is a contributing Motley Fool media and technology analyst covering semiconductors, cloud computing, internet infrastructure, quantum computing, and streaming media. Previously, Anders was a systems administrator for Nielsen Technology and CSX, gaining hands-on experience with enterprise-class systems. He was also a freelance writer for Ars Technica, TIME, USA Today, CNN, WIRED, and AOL's Daily Finance. He holds a bachelor’s degree in English and a master’s degree in library and information sciences from Florida State University. He believes in coyotes and time as an abstract.TMFZahrimX@TMFZahrimStocks MentionedNu HoldingsNYSE: NU$17.55 (+1.30%) $+0.23S&P 500 IndexSNPINDEX: ^GSPC$6909.51 (+0.69%) $+47.62NetflixNASDAQ: NFLX$78.64 (+2.13%) $+1.64*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.