The stock market in the USA has barely opened and prices are already tumbling south again.
I have just taken advantage of the fall in prices and once again $SOFI (+3,88 %) and $NU (-0,23 %) 1000€ each. Now the last cash is in the market until the next salary.
I don't think I need to write much about the two stocks here, but a few brief reasons for my purchase. I have been invested in $SOFI (+3,88 %) and Anthony Noto has always exceeded his own forecasts. In the last earnings call, he announced a roadmap to 2028 that is quite something.
Here are the central pillars of his outlook:
1. sales growth (revenue growth)
Management expects average annual revenue growth (CAGR) of at least 30% for the period from 2025 to 2028.
Drivers: This growth is to be achieved primarily through new products in the areas of crypto, AI services and business banking as well as deeper penetration of the existing member base.
Target 2026: Adjusted net revenue of around $4.66 billion has been forecast for the current year 2026.
2. profit growth (EPS growth)
The forecast for earnings per share (EPS) is even more impressive. Here, SoFi expects annual growth of 38% to 42% (CAGR) until 2028.
Economies of scale: Noto emphasizes the so-called "escape velocity" - the stage at which marketing and operating costs fall significantly in relation to sales and profitability increases disproportionately.
And here are a few more facts and figures on $NU (-0,23 %)
The Latin American efficiency machine :D
For me, NuBank is currently one of the most exciting growth cases in the fintech sector. Compared to SoFi, they are often growing even faster because they operate in markets such as Brazil, Mexico and Colombia, where traditional banks hardly offer any real competition.
The figures that particularly impress me:
1.Revenue growth: Analysts expect an annual increase of approx. 45 %. If you extrapolate this, sales could explode from around $12.4 billion (2025) to over $31 billion by 2029.
2. profit development: NuBank is no longer a pure "growth promise" but already highly profitable. Net profit is expected to increase annually by 30-35 % annually. For the full year 2026, expectations are already for a profit of around 4.5 billion dollars.
3 The "Holy Grail" (ROE): What impresses me most about NuBank is their return on equity. They are already achieving an ROE of over 30 %. By comparison, traditional banks are often bobbing around at 10-15%. This makes Nu one of the most efficient banks in the world.
So keep your feet still and buy more! :)
Greetings Bubu
