Added to YB: 2025-09-18
Pitch date: 2025-09-16
NU [neutral]
Nu Holdings Ltd.
+5.96%
current return
Author Info
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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
$15.95
Price Target
19.50 (+15%)
Dividend
N/A
EV/EBITDA
N/A
P/E
32.34
EV/Sales
N/A
Sector
Banks
Category
growth
Nu Holdings: Revolutionizing Banking in Latin America
NU (pass): Brazilian digital bank w/ 123M customers (60% Brazil adults). Strong unit economics: $12.2 ARPAC vs $0.8 cost to serve, 28% ROE, 28% efficiency ratio. Growth from Mexico/Colombia expansion + product cross-sell. Risk: rising NPLs (6.6%), Mercado Pago competition. DCF suggests $19.50 fair value vs $16 current price, but pass due to LatAm macro risks & competition concerns. Buy below $12.7.
Read full article (78 min)