Nu Holdings (BSP:ROXO34) Tariff Resilience Score: 8/10 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:ROXO34 Nu Holdings Ltd BSP:ROXO34
73 GF Score
Price R$11.79
GF Value R$22.56
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Nu Holdings Tariff Resilience Score?

Nu Holdings BSP:ROXO34 +0.86% 73 Tariff Resilience Score is 8 as of Jul. 15, 2026. GuruFocus rates BSP:ROXO34 with a GF Score™ of 73/100 and a GF Value™ of R$22.56 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,606 Banks companies, Nu Holdings ranks better than 78.7% on this metric.

Nu Holdings has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Nu Holdings has Nu Holdings operates primarily in financial services, with minimal direct exposure to tariffs. Its digital platform and regional focus provide resilience against trade barriers.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Nu Holdings might have Highly Resilient.

Nu Holdings  (BSP:ROXO34) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Nu Holdings Tariff Resilience Score Related Terms

BSP:ROXO34 vs TFC, FITB, HBAN: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Nu Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Tariff Resilience Score vs Banks Industry

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

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


BSP:ROXO34
73GF Score
Nu Holdings Ltd BSP:ROXO34
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Tariff Resilience Score of 8 mean?
Nu Holdings (BSP:ROXO34) has a Tariff Resilience Score of 8 as of Jul. 15, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Nu Holdings ranks #342 out of 1606 companies in the Banks industry, placing it in the top 21.3%.
Is Nu Holdings' Tariff Resilience Score too high?
Nu Holdings' current Tariff Resilience Score is 8. Based on the distribution chart, Nu Holdings ranks #342 out of 1606 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' Tariff Resilience Score compare to TFC and FITB?
According to the Banks industry distribution chart, Nu Holdings ranks #342 out of 1606 companies for Tariff Resilience Score. This places Nu Holdings in the top 21% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Nu Holdings's current Tariff Resilience Score is 8. 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 (BSP:ROXO34) is currently considered Significantly Undervalued. The stock's GF Value™ is R$22.56, compared to a current price of R$11.79 — trading 47.7% below its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Nu Holdings (BSP:ROXO34), the current Tariff Resilience Score is 8 as of Jul. 15, 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 (BSP:ROXO34) Overvalued in 2026?

Based on GuruFocus' analysis, Nu Holdings stock appears to be undervalued. The current stock price of R$11.79 is trading 47.7% below its estimated GF Value™ of R$22.56. GuruFocus considers Nu Holdings to be Significantly Undervalued.

Key valuation signals for BSP:ROXO34:

  • Tariff Resilience Score: 8
  • GF Value™: R$22.56 vs. price of R$11.79 (47.7% below fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the BSP:ROXO34 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 BSP:ROXO34

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

R$11.79
Price
R$22.56
GF Value