Added to YB: 2026-04-22
Pitch date: 2026-04-19
NU [bullish]
Nu Holdings Ltd.
-1.25%
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
$73.3B
Pitch Price
$15.24
Price Target
22.00 (+46%)
Dividend
N/A
EV/EBITDA
N/A
P/E
25.83
EV/Sales
N/A
Sector
Banks
Category
growth
The market's mistake with Nubank: what they're valuing incorrectly
NU: Digital infra in LatAm w/ 131M users, 62% of Brazil's adults. Q4 profit $895M (+50% YoY), ROE 33%, efficiency ratio 19.9% vs peers' 38%+. ARPAC $15 (+27%), cost/user $0.80/mo vs $8-12 at banks. NPL 15-90d improved to 4.1%. Deposits $41.9B at 87% CDI cost. Mexico 14M users, US license approved. Trading 16x fwd P/E despite 45% rev growth. PT $18.50-22 vs $15 current.
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