Nu Holdings (MEX:NUN) Moat Score: 6/10 (As of Jun. 24, 2026)


MEX:NUN Nu Holdings Ltd MEX:NUN
73 GF Score
Price MXN220.80
GF Value MXN444.06
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Nu Holdings Moat Score?

Nu Holdings MEX:NUN -1.04% 73 Moat Score is 6 as of Jun. 24, 2026. GuruFocus rates MEX:NUN with a GF Score™ of 73/100 and a GF Value™ of MXN444.06 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,610 Banks companies, Nu Holdings ranks better than 97.76% on this metric.

Nu Holdings has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Nu Holdings has Narrow Moat: Nu Holdings Ltd has a strong narrow moat due to its innovative digital banking platform, significant customer switching costs, and strong brand strength. It benefits from economies of scale, but lacks the regulatory barriers and exclusive licenses for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Nu Holdings might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Nu Holdings  (MEX:NUN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Nu Holdings Moat Score Related Terms

MEX:NUN vs TFC, FITB, USB: Moat Score Comparison

For the Banks - Regional subindustry, Nu Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Nu Holdings Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Nu Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Nu Holdings's Moat Score falls into.


MEX:NUN
73GF Score
Nu Holdings Ltd MEX:NUN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Nu Holdings (MEX:NUN) has a Moat Score of 6 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Nu Holdings ranks #36 out of 1610 companies in the Banks industry, placing it in the top 2.2%.
Is Nu Holdings' Moat Score too high?
Nu Holdings' current Moat Score is 6. Based on the distribution chart, Nu Holdings ranks #36 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Nu Holdings has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nu Holdings' Moat Score compare to TFC and FITB?
According to the Banks industry distribution chart, Nu Holdings ranks #36 out of 1610 companies for Moat Score. This places Nu Holdings in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Nu Holdings's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nu Holdings stock overvalued right now?
Based on GuruFocus' analysis, Nu Holdings (MEX:NUN) is currently considered Significantly Undervalued. The stock's GF Value™ is MXN444.06, compared to a current price of MXN220.80 — trading 50.3% below its estimated fair value. The current Moat Score is 6. Nu Holdings' overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Nu Holdings (MEX:NUN), the current Moat Score is 6 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Nu Holdings (MEX:NUN) Overvalued in 2026?

Based on GuruFocus' analysis, Nu Holdings stock appears to be undervalued. The current stock price of MXN220.80 is trading 50.3% below its estimated GF Value™ of MXN444.06. GuruFocus considers Nu Holdings to be Significantly Undervalued.

Key valuation signals for MEX:NUN:

  • Moat Score: 6
  • GF Value™: MXN444.06 vs. price of MXN220.80 (50.3% below fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the MEX:NUN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Nu Holdings Business Description

Address c/o Campbells Corporate Services Limited, Willow House, Cricket Square, 4th Floor, Grand Cayman, CYM, KY1-9010
Nu Holdings Ltd is a Brazilian financial technology firm that offers digital banking services. Its services include Retail credit, SME credit, Payments, Customer assets, Insurance brokerage, E-commerce marketplace, and Mobile virtual network operator. It operates in single operating segment and geographically it operates in Brazil, Mexico, and Other countries with the majority of revenue deriving from Brazil.
73GF Score

Get the complete analysis for MEX:NUN

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN220.80
Price
MXN444.06
GF Value