Is NIO (NIO) a Buy Right Now?
A plain-English read on NIO stock — what the chart and the numbers are saying today, with no jargon and no hype.
We've already run the numbers on NIO.
Our AI has a Buy, Hold or Be Careful call on NIO right now — in plain English, why, the 4 factors moving it, and the bottom line. That's the part a beginner actually needs, and it's the one thing on this page we don't give away for free.
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What NIO actually does
NIO Inc. designs, develops, manufactures, and sells smart electric vehicles in China, Europe, and internationally. It offers five and six-seater electric SUVs, as well as smart electric sedans. The company also offers power solutions, including Power Home, a home charging solution; Power Swap, a battery-swapping service; Power Charger and Destination Charger; Power Mobile, a mobile charging service through charging vans; Power Map, an application that provides access to a network of public chargers and their real-time information; and One Click for power valet service. In addition, it provides repair, maintenance, car beauty, and inspection services through its service centers and authorized third-party service centers; vehicle transportation and delivery, pre-delivery inspections, guidance on vehicle features, assistance with vehicle registration, and insurance processing services; insurance, maintenance, repairs, accident rescue, car washing, chauffeur services, and valet parking services; and remote monitoring and real-time diagnostics services, as well as technical, warranty, and auto financing arrangements. Further, the company is involved in the provision of energy and service packages to its users; design and technology development activities; manufacture of electric powertrains, battery packs, and components; and sales and after-sales management activities. Additionally, it operates in app NIO Auto Mall where users can select from various accessories and value added services; and online auction platform. The company was formerly known as NextEV Inc. and changed its name to NIO Inc. in July 2017. NIO Inc. was incorporated in 2014 and is headquartered in Shanghai, China.
NIO by the numbers
Wall Street consensus on NIO is Buy. That is the analyst community's view, shown for context — it is not our read and not a recommendation.
NIO's earnings history
Earnings per share for NIO's last 4 reported financial years, as filed — EPS has risen over that span. We don't hold analyst consensus estimates for these periods, so no beat-or-miss judgement is shown.
| Period end | EPS reported |
|---|---|
| 2025-12-31 | -6.85 |
| 2024-12-31 | -11.03 |
| 2023-12-31 | -12.44 |
| 2022-12-31 | -8.89 |
Who owns NIO?
Institutions — pension funds, asset managers, index providers — hold 12.1% of NIO, and the concentration matters: the largest single holder alone controls 1.18% of the company.
| Holder | Shares | % held |
|---|---|---|
| 27.41M | 1.18% | |
| 19.27M | 0.83% | |
| 19.00M | 0.82% |
Names withheld — plus 3 more records not shown.
See who owns itWhat NIO insiders have been doing
Executives and directors must disclose their own trades in company stock. Of the last 6 disclosed transactions we hold for NIO, none were an open-market buy or sell — they are awards, vesting, option exercises or derivative conversions, which is normal and says nothing about conviction either way. Insiders sell for many ordinary reasons — scheduled plans, tax, diversification — so a sale is not by itself a signal.
| Insider | Date | Type | Shares | Value |
|---|---|---|---|---|
| 2026-09-01 | AWARD / VEST | 200.0K | — | |
| 2026-09-01 | AWARD / VEST | 300.0K | — | |
| 2026-09-01 | AWARD / VEST | 245.0K | — |
Names withheld — plus 3 more records not shown.
See which insidersThe numbers behind the read
Who in Washington has been trading NIO?
Members of Congress must disclose trades over $1,000 within 45 days under the STOCK Act. 7 disclosures name NIO — filed by 3 separate members and worth $84K–$260K combined (filings report bands, never exact amounts). 5 purchase-side, 2 sale-side, most recently on 2021-01-20.
| Member | Date | Action | Amount filed |
|---|---|---|---|
| 2021-01-20 | BUY | $1,001 - $15,000 | |
| 2020-07-06 | SELL | $50,001 - $100,000 | |
| 2020-07-02 | SELL | $15,001 - $50,000 |
Names withheld — plus 4 more records not shown.
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Important disclaimer
This page is for educational and informational purposes only and is not financial, investment, tax, or legal advice, nor a recommendation, offer, or solicitation to buy, sell, or hold NIO (NIO) or any other security. The Money GPS is not a registered investment adviser, broker-dealer, or financial planner, and no content here should be relied upon to make an investment decision.
The verdict, indicators, and commentary are generated automatically — in part using AI — from third-party market data (via Yahoo Finance) that may be delayed, incomplete, or inaccurate, and is provided “as is” without any warranty. Figures reflect the market as of 2026-10-28 and change constantly; the read above may already be out of date. A “Buy,” “Hold,” or “Be Careful” label is a simplified, rules-based signal for beginners — not a price target or a guarantee of any outcome.
All investing involves risk, including the possible loss of your entire principal. Past performance and historical patterns do not guarantee future results. Always do your own research and consult a licensed financial professional who knows your personal circumstances before investing. You are solely responsible for your own investment decisions. The Money GPS and its authors may hold positions in the securities discussed and accept no liability for any loss arising from the use of this information.