Added to YB: 2026-03-13
Pitch date: 2026-03-11
NU [bullish]
Nu Holdings Ltd.
-1.62%
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
$72.3B
Pitch Price
$14.20
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
25.45
EV/Sales
N/A
Sector
Banks
Category
growth
Nu Holdings - $NU
NU: Digital bank w/ 131M customers (113M Brazil, 14M Mexico, 4M Colombia), $2.9B net income, 30% ROE, 21% efficiency ratio vs peers' 40-50%. Brazil credit cards: 25-30% share of $100B market, 35% balances earn interest (vs 24% industry). 90+ NPL coverage 231%, NCO 19% of avg portfolio. Mexico: 14M customers (+41% YoY), tracking ahead of Brazil at same stage, nearing breakeven. Approved for US de novo bank targeting 68M Hispanics. CAC $7 vs ARPAC $13.3/mo, 80%+ customers via unpaid referrals, NPS ~90. Cost to serve $0.80/mo vs incumbents' $5+. Expansion ROE sustainability key risk vs current 40%+ in scaled Brazil market.
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