Added to YB: 2025-09-02
Pitch date: 2025-08-29
NU [neutral]
Nu Holdings Ltd.
+14.2%
current return
Author Info
No bio for this author
Company Info
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Market Cap
$80.8B
Pitch Price
$14.58
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
32.34
EV/Sales
N/A
Sector
Banks
Category
N/A
The Bear Case on Nubank
NU (bear case): Bear case questions premium valuation vs LatAm banks despite lower ROE/margins. Structural profitability gap persists; Brazil credit card business faces cyclical default risk as lending deepens. Mexico/Colombia expansion uncertain - lacks brand recognition, faces established competitors, regulatory complexity. High customer acquisition/compliance costs may delay meaningful profitability outside Brazil.
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