NU pre-earnings setup: Nu Holdings reports earnings on Nov 12, 2026, 2 days out of our November 10 morning scan, and the row carries a score of 76 at rank 24 of the 50 names we track. The scan price was $12.27, the book is 23 analysts with 19 on the buy side, and the options market prices a 7.4% move over three days and 16.0% over a fortnight.

That reads as a strong setup on the numbers this scanner measures, with two things worth knowing before the print. The sentiment reading on the row is Mixed, where a Positive reading would be worth twice as many points, and the price has fallen 22.80% over the month even after the 6.37% it recovered on the week.

When does NU report earnings, and is it a buy before the print?

Nu Holdings reports on Nov 12, 2026, 2 days from the November 10 morning scan, and our table still carries it with the print date set to November 12 and 2 days left on it.

What the evidence on this page supports is a candidate, not a recommendation. The score, the book and the priced event all lean the same way, and the price has been recovering out of a soft month. What argues against is a Mixed sentiment reading on the last four quarters, and the fact that the recovery ran into the print rather than away from it.

The row, 2 days out

Score 76 at rank 24 of 50, sector Financial Services, print date November 12, earnings sentiment Mixed, short interest 3.7% of float, market capitalization $59.27 billion, implied volatility 102.5, and a scan price of $12.27.

Decomposed, the 76 is 23 points for analyst coverage, 20.7 for buy-side conviction, 10 for the 5 strong buys, 15 for the fourteen-day implied move and 7 for a Mixed sentiment reading. That totals 75.7, which the table shows as 76.

Coverage is 23 points because 23 analysts carry a rating on the name, one point each up to 25. Conviction is 20.7 because 19 of 23 ratings are buys or strong buys, 82.6% of the book, and the column pays a quarter point for every point of that share.

The strong buys are worth 2 points each, so the 5 of them earn 10 of the 20 available, and a Mixed sentiment reading earns 7 of 15 where Negative reads nothing at all. The implied move is the one column already maxed out: 16.0% over a fortnight earns the full 15 points, so a wider straddle would not lift the score further.

Where the row sits on the table matters as much as the score. Nu is the only Financial Services name we track, it shares 76 with WDAY at rank 21, INTU at rank 22 and DIS at rank 23, and its $59.27 billion market cap is the 19th largest of the 50. At 23 ratings it is the 31st most covered name, and at 102.5 implied volatility the 12th widest.

What the options are pricing

The chain cost $0.91 at the money on a three-day expiry, which puts implied volatility at 102.5 and the straddle at 7.4% of the share price before any scaling.

Scaled to the print, the market is pricing 7.4% over three days, 11.3% over seven and 16.0% over fourteen. Around the $12.27 scan price that is a band of $11.36 to $13.18 at three days, $10.88 to $13.66 at seven and $10.30 to $14.24 at fourteen.

That is a wide event for a $59.27 billion company with 3.7% of float short, and it is wide against what the stock has done. The fourteen-day band alone is 32.1% from floor to ceiling, while the past month ended 22.80% lower.

What the analyst book says

Twenty-three ratings, and 19 of them are buys or strong buys: 5 strong buys, 14 buys, 3 holds and a single sell. That is 82.6% on the buy side, the 16th highest share of the 50 names on the table.

The names with a wider buy-side share and more ratings behind it are BILI at 96.8% on 31 analysts, AVGO at 96.1% on 51, NVDA at 93.5% on 62 and SE at 92.9% on 28. Against thinner books Nu is well clear of TME at 62.1% and GLOB at 43.5%.

Sentiment reads Mixed, which on this scanner is the average earnings surprise across the last four quarters. Whatever the market thinks of the stock today, the company has not been consistently beating, and that column is where the 8 missing points are.

Where the price has been sitting this month

The month was a slide and then a two-week recovery. Nu closed at $16.01 on Oct 12, the high close of the month, and fell to $11.61 on Oct 30, the low.

The slide was steep in places. From $15.16 on Oct 23 the stock dropped to $12.59 on Oct 26 in a single session, a 16.9% fall, and it stayed near the low for the rest of October. What caused that drop is not something our table records, so this page does not guess.

From that low it came back: $11.61 on Nov 3, $11.99 on Nov 4, $11.74 on Nov 5, $12.03 on Nov 6 and $12.36 on Nov 9. The week into Nov 9 was the month's best at 6.37%, and the month overall is still 22.80% down.

Our 6:33 a.m. PT scan had the stock at $12.27, 0.73% below the $12.36 close on Nov 9, so the recovery gave back a slice of itself before the session got going.

What can still move before November 12 is the event itself, because a wider straddle changes the band a trader works against, and the price, which closed Nov 9 at $12.36 with the three-day band bottoming at $11.36. The book and the sentiment reading are not levers: both are already in the score, and neither changes before the print.

Every row behind this page is rebuilt at 6:33 a.m. PT each morning and written out at our open data.

So NU pre-earnings setup is a score of 76 built on 23 ratings with 82.6% on the buy side, a 16.0% move priced over a fortnight, and a price that has recovered 6.37% in a week off the low of the month.

Whether that makes Nu Holdings a buy in the two days before the print is a decision the reader makes, and this page does not make it for them.

Questions on Nu Holdings before the November 12 print

What is NU's score into the November 12 print?

76 at rank 24 of 50. Decomposed, it is 23 points for analyst coverage, 20.7 for buy-side conviction, 10 for the 5 strong buys, 15 for the fourteen-day implied move and 7 for a Mixed sentiment reading, which totals 75.7 and rounds to 76.

How much movement is priced into November 12?

7.4% over three days, 11.3% over seven and 16.0% over fourteen, off a $0.91 straddle on a three-day expiry. Around the $12.27 scan price that is $11.36 to $13.18 at three days, $10.88 to $13.66 at seven and $10.30 to $14.24 at fourteen.

How does Nu Holdings compare on valuation?

11.1 times forward earnings, the 12th cheapest of the 49 rows that publish one, and a PEG of 0.4, the eighth cheapest of the 45 that carry one. The trailing multiple is 16.8 on $0.73 of earnings, with $1.11 forward in the estimate.