NU260807C14000.US

$NU Holdings(NU.US)

Context: Over the past year Nu Holdings has seen mixed momentum, with a 90 day share price return of 21.96% set against a year to date share price decline of 14.51%. The 1 year total shareholder return is slightly negative, while the 3 year total shareholder return of 104.64% points to a much stronger longer term record.

My Trade: Took some profit at $14 after months of underperformance earlier in the year. Holdings out the rest because I think the stock is undervalued and can rise even more.

Takeaway: Nu is currently trading at a favourable PEG and P/e ratio as well compared to other companies in the same fintech sector. The biggest concern is concentration risk as their primary focus is in the south american region, particularly in Brazil and Mexico. @Captain's Treasure

$NU Holdings(NU.US)Profit Growth & Long Term Potential

🌎 NU continues to stand out as one of the more interesting digital banking growth stories, with the business increasingly shifting from customer acquisition toward scalable profitability.

📈 Q2 revenue reached $5.88B, up 39% YoY, while net income rose 49% to $1.06B. Customers reached 138.9M, the credit portfolio grew 37% to $39.4B, and ROE reached 33%. The $1B share buyback adds another potential catalyst.

🔎 Customer growth, NII and credit growth, sustainable margins, Mexico expansion, U.S. banking opportunities and credit quality.The main risk remains credit quality as lending expands and 90+ day NPLs rise.

🎯 NU is increasingly looking like a profitable digital bank rather than simply a high growth fintech. Long term bias remains Bullish with $15 the key level to watch.

$NU Holdings(NU.US)🌎 NU Holdings — Watchlist / Growth Story

NU continues to stand out as one of the strongest fintech growth stories in Latin America. Record revenue, quarterly net income surpassing US$1 billion, robust customer growth and improving engagement reinforce the strength of its digital banking model across Brazil, Mexico, and Colombia.

📈 NU remains firmly on my radar,waiting for a more attractive entry point before putting capital to work. The latest results give more confidence in the long term story, with quarterly net income topping US$1 billion for the first time and revenue hitting a record high.

📊 NU business continues to deliver where it matters growing customers, revenue and profits. If that momentum continues, there should be plenty of opportunities to participate when the valuation and setup make more sense.

🔎 Customer growth, Mexico’s expansion, loan growth, credit quality and whether NU can keep growing profits without sacrificing its pace of expansion

$NU Holdings(NU.US)NU remains one of the strongest growth stories in the fintech sector, though investors should continue monitoring loan growth, credit quality, and profitability in Mexico over the coming quarters.

NU Holdings surged after delivering one of the strongest fintech earnings reports this quarter, with record quarterly net income exceeding US$1 billion and revenue growing 39% year-on-year.

Key highlights:

💰 Record net income of US$1.1 billion (+49% YoY)

📈 Revenue of US$5.9 billion beat expectations

👥 Customer base expanded to 139 million

🇲🇽 Strong growth momentum in Mexico

🏦 Brazil banking licence strengthens long-term expansion

📊 ROE remained impressive at 33%

✅ Credit quality improved as delinquency and credit costs declined

The biggest positive was not just the earnings beat, but the combination of strong growth, rising profitability, and improving credit metrics. This helped ease concerns that emerged after Q1 and reinforced confidence in NU’s business mode

$NU Holdings(NU.US) Nu Holdings stock climbs after Q2 earnings, revenue beat on increased customer engagement while purchase volume exceeded consensus and average revenue per customer continued to rise. Q2 GAAP EPS of $0.22, beating the average analyst estimate of $0.19, rose from $0.18 in Q1 and $0.13 in last year’s Q2. Q2 revenue of $5.88B, topping the $5.48B consensus, increased from $5.32B in the prior quarter and $3.77B a year ago. Net interest income of $3.69B increased 9% Q/Q and 65% Y/Y. Operating expenses of $806.2M rose from $648M in the previous quarter and $548.1M in last year’s Q2. NuBank added 4M customers in Q2, reaching a total of 139M customers globally. That includes almost 118M customers in Brazil, 16M in Mexico, and over 5M in Colombia. Monthly average revenue per active customer increased to $17.1 from $15.9 in the previous quarter and $12.5 in the year-ago quarter. What started out as a vision to serve customers with significantly lower cost compared to traditional banks has turned out pretty well for Nu, as they continue to grow and solidify their position in South America. @Captain's Treasure

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$NU Holdings(NU.US) Nu Holdings reported a 42% year-over-year revenue increase and reached a customer base of 135 million by Q1 2026, while shares currently trade at $14.09. The stock is considered 38% undervalued compared to its fair value of $22.74, though it carries a higher P/E ratio than its peers, suggesting potential valuation compression if sentiment shifts. Investors should monitor Brazil's credit quality and currency fluctuations, as these factors could affect the company's growth narrative and stock performance. Moreover, I remain long term bullish on Nu. They are one of the fastest growing fintech companies with low operating costs while continuing to increase revenue and margins. If they are able to continue expanding market share in South America, I believe the potential to hit newer highs is still there. @Captain's Treasure

$NU Holdings(NU.US)NU continues to strengthen its position as one of the fastest-growing digital banks in Latin America. Despite recent market volatility, the company’s fundamentals remain solid, supported by rapid customer growth, expanding profitability, and continued investment in AI-driven banking services.

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- Q2 earnings expected to show continued customer and revenue growth.

- 130M+ customers with rising monetization per active user.

- Filed for a U.S. banking license, opening a potential new growth market.

- Heavy investments in AI, infrastructure, and new financial products.

- ESG initiatives and stronger cybersecurity enhance long-term competitiveness.

The combination of strong revenue growth, expanding ecosystem, AI investments, and U.S. expansion provides a compelling long term story. If earnings confirm continued execution, current weakness could present another opportunity to accumulate rather than chase higher prices. Patience and disciplined position sizing remain important

$NU Holdings(NU.US) Nubank, a leading digital financial institution in Latin America, has agreed to acquire Banco Porto Real, enhancing its service offerings for over 115 million customers in Brazil. This acquisition, pending Central Bank approval, aligns with regulatory requirements and will integrate Banco Porto Real's banking license into Nubank's existing operations without adding capital or liquidity pressures. Nubank aims to expand its market share while maintaining its commitment to innovative, customer-centric financial services, having already significantly increased access to banking solutions for millions of Brazilians. Nu has recovered nicely since the last earnings, currently hovering around the $13 range. Let's see if the upcoming earnings can propel the stock higher. @Captain's Treasure