Nu Holdings

Stock

ISIN: KYG6683N1034

Ticker: NU

KYG6683N1034

Price

Discussion about NU

Posts

But T.

@But_the_Stock_Picked_Me

1D·

$NU (+4.68%) Hello everyone, I am currently looking into Nu Holdings and would like to hear your opinion on the possible risks. Overall, the company seems to be a good investment. But I'm a little skeptical about some points:

Regulatory risksStricter financial laws or regulations in Latin America (especially Brazil - concentrated country risk) could slow down growth.

Competitive pressureTraditional banks and other fintechs are trying to penetrate the same market.

Macroeconomic uncertaintiesHigh inflation or recessions in core markets such as Brazil could impact business.

Credit risks: Margins could suffer if default rates rise.

How do you see this?

2 Comments

Jan@Barrd

None of these are risks. Or rather, these are the normal risks when you invest in a fintech company.

Nu still has brutal customer growth of over 20%. Which is one of the most important things at this stage of the company.

Of course, the points you mention are important, but over the next 10 years they are not important.
South America in general is a fast-growing market and Nu can benefit from this to some extent

•

Tenbagger2024

@Tenbagger2024

5D·

Ken Fisher buys into Brazil's financial powerhouse NuBank. $NU (+4.68%)

Star investor Ken Fisher is one of the most high-profile investors in the world. He is regularly featured in the stock market media and his books have achieved cult status. His investment style was decisively influenced by his father, investment legend Philip. A. Fisher, who even influenced stock market legends such as Charlie Munger and Warren Buffett. Philip A. Fisher was not a pure value investor, but combined the advantages of value investing and growth investing in his investment strategy. Today, this style would be called GARP, growth at a reasonable price.

But Buffett's success with Nu Holdings is hardly the driving force behind Ken Fisher's new investment in Brazil's banking powerhouse. It is more likely to be the ongoing operational successes. Nu Holdings increased its revenue by 37.4% year-on-year to USD 2.94 billion in the third quarter of 2024, but fell just short of market expectations. However, adjusted earnings per share were higher at USD 0.11.

Overall, the company almost doubled its adjusted net income year-on-year to USD 553 million. This was largely due to the 63 % increase in interest income, which is primarily the result of significantly higher customer deposits. Adjusted for currency effects, these climbed by 60% to USD 28.3 billion.

https://www.wallstreet-online.de/nachricht/18731993-kissigs-portfoliocheck-ken-fisher-kauft-brasiliens-finanz-powerhouse-nubank

end

@end

6D·

Nu Holding $NU (+4.68%) Top 📈🚀 or flop 📉

I had originally planned to invest in the shares of Nu Holdings Ltd (NU).

Strong growth and good figures had convinced me at first, but I have the feeling that I have seen the other side of the 🥇.

Despite more impressive figures, I have now decided against an investment. After doing more detailed research on the internet, I found numerous negative comments from end users. Frequent points of criticism concerned customer support, technical problems with the app and difficulties in processing transactions. These reviews ultimately convinced me that the company may have structural problems that could have a negative impact on its market position in the long term.

I am particularly interested in your opinion of the company.

A small insight into the problems:

#TechAktien
#Investieren
#Aktienmarkt
#Finanzen
#TechTrends
#Zukunftsinvestment
#Börse
#Wachstumsaktien

11 Comments

Dirty30@Dirty30

The question is, what do comments look like among the competition and to what extent is Instagram an indicator for investments at all?

•

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Tenbagger2024

@Tenbagger2024

6D·

Nubank introduces cryptocurrency swap tool. $NU (+4.68%)

Nubank has introduced a cryptocurrency swap tool in its app that allows customers who own cryptocurrencies to swap Bitcoin, Ethereum, Solana or Uniswap for USDC and vice versa.

According to the announcement, this new functionality, integrated into the Nubank Cripto platform, simplifies currency exchange by enabling direct swaps. This feature, commonly referred to as a "swap" in the crypto market, offers lower fees compared to traditional buying and selling with fiat currencies. Nubank is expected to gradually roll out this option to its customers within a few weeks. It can be accessed via the cryptocurrency section of the app by selecting the "Trocar" (swap) button on the home screen. More token pair exchanges are planned for future updates.

https://thepaypers.com/cryptocurrencies/nubank-launches-cryptocurrency-swap-tool--1271020

thepaypers.comNubank launches cryptocurrency swap tool

Erik

@dividend_hero_100

1Wk·

Welcome to my portfolio, savings plan has also been started. Nu Holdings is my third individual share in the portfolio alongside Alphabet and Hims&hers. By far my largest position remains the $CSPX (+1.4%)

15.11

Nu Holdings

Bought x52 at €13.35

€694.41

3 Comments

Dividendenopi@Dividendenopi

1Wk

Ok, and with these positions you call yourself a dividend hero 🤔🤔

••

Show answer

Xavi

@gqx

1Wk·

First tranche and new savings plan!

Salve a tutti,

I took advantage of today's small drop in the share price to welcome a new position in my portfolio: I'm talking about the Brazilian fintech darling NU! ($NU (+4.68%))

In addition to the strong growth prospects, the main reason for the purchase is to establish a greater weighting of Latin America in my portfolio. After all, the US share is very high in most ETFs and I see European stocks as increasingly risky in the coming years (mainly due to Donald Trump).

If the share price falls further, I plan to add to it - after all, the share is now in a buy & hold portfolio! :)

Have a nice evening!

15.11

Nu Holdings

Bought x75 at €13.40

€1,004.70

4 Comments

Tenbagger2024@Tenbagger2024

1Wk

Good timing.
But is South America in a better position than Europe when it comes to Donald Trump?

•

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@spellwan

1Wk·

$NU (+4.68%) Where would you set a stop-loss?

4 Comments

Lumimyrsky@Lumimyrsky

1Wk

if then under the low on 5.11

••

Tenbagger2024

@Tenbagger2024

1Wk·

Nu Holdings Ltd. increases profit in Q3 and exceeds expectations. $NU (+4.68%)

Nu Holdings Ltd (NU) has announced third quarter earnings that are higher than last year and beat Wall Street estimates.

The company's profit amounted to 553.39 million dollars or 0.1132 dollars per share. In the third quarter of the previous year, the figure was 303.04 million dollars or 0.0624 dollars per share.

Analysts on average had expected earnings of 0.11 dollars per share, according to figures compiled by Thomson Reuters. Analysts' estimates generally exclude special items.

The company's sales rose by 37.8% to 2.943 billion dollars in the quarter compared to 2.136 billion dollars in the previous year.

Nu Holdings Ltd. earnings at a glance (GAAP):

-Profit (Q3): $553.39 million vs. $303.04 million a year ago. -EPS (Q3): $0.1132 vs. $0.0624 in the prior year. -Revenue (Q3): $2.943 billion compared to $2.136 billion in the previous year.

13.11

Nu Holdings

Bought x143 at €15.31

€2,189.33

19 Comments

devnerd_daddy@devnerd_daddy

1Wk

I wish I had that much cash to spare. I've been invested since your first report and am still enthusiastic.

•

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Aktien Stammtisch

@Aktien_Stammtisch

1Wk·

$NU (+4.68%) | Nubank Q3'24 Earnings Highlights:

🔹 Revenue: $2.94B (Est. $2.95B) 😐

🔹 EPS: $0.11 (Est. $0.10) 😐

🔹 Adjusted Net Income: $592.2M (Est. $554.1M) 🟢

🔹 Net Income: $553.4M, up from $303.0M in Q3'23; UP +82.7% YoY

🔹 Gross Profit: $1.35B, up +67% YoY FXN

🔹 Gross Profit Margin: 46%, up from 43% in Q3'23

Operating Metrics:

🔹 Total Customers: 109.7M, up +23% YoY

🔹 Active Customers: 91.7M (Activity Rate: 84%)

🔹 Monthly Average Revenue per Active Customer (ARPAC): $11.0, up +25% YoY FXN

🔹 Monthly Average Cost to Serve per Active Customer: $0.7, up 2% YoY (adjusted for FX one-offs)

Portfolio Metrics:

🔹 Total Credit Card and Lending Portfolio: $20.9B, up +47% YoY FXN

🔹 Interest-Earning Portfolio (IEP): $11.2B, up +81% YoY FXN

🔹 Deposits: $28.3B, up +60% YoY FXN

Asset Quality:

🔹 15-90 NPL Ratio (Brazil Consumer Credit): 4.4%, down 10 bps QoQ

🔹 90+ NPL Ratio: 7.2%, up 20 bps QoQ

Net Interest Metrics:

🔹 Net Interest Income (NII): $1.7B, up +63% YoY FXN

🔹 Risk-Adjusted Net Interest Margin (NIM): 10.1%, up +110 bps YoY

Cost Structure:

🔹 Cost of Financial and Transactional Services: $1.59B, representing 54% of revenue (down from 57% in Q3'23)

🔹 Operating Expenses: $624.8M, representing 21% of revenue (down from 24% in Q3'23)

Regional Highlights:

🔸 Brazil: Customer base increased 18% YoY to 98.8M, representing 56% of Brazil’s adult population. 60% of monthly active customers identify Nubank as their primary banking account.

🔸 Mexico: Added 1.2M net new customers, reaching 8.9M total customers.

🔸 Colombia: Reached 2.0M customers, supported by the growth of the Nu Cuenta product.

4 Comments