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• If you are wondering whether Nu Holdings is still attractively priced or starting to look stretched, you will want to look closely at what the current valuation actually reflects.

• The stock closed at US$12.73, with returns of 3.6% over the last week, a decline of 12.3% over the last month, a decline of 25.2% year to date, a 6.2% gain over the past year, and a 3-year return of 87.5%.

• Recent coverage has focused on Nu Holdings as a listed digital bank in Latin America and on how investors are weighing its growth story against changing risk appetite in financials. This mix of enthusiasm and caution has helped shape the…