NU

Upstairs_Whole_580

I'm sorry, you're upset with ME for... simply stating a FACT? You can become a millionaire far earlier, but it's not common. I recently passed 8 figures, barely missing doing so in my 30s. It required a scholarship to pay for College, a high paying field, I went to NU Law School, and a whole lot of sacrifice. It you want a "Lambo," it's unlikely to happen. A little luck helps as well... as NVDA in 2018 did it, but this was after living at home until I was 29, driving a beater, and investing about 85% of my take home pay. So... keep whinning about SIMPLE, basic stats, or... fucking do something about it... I said rare. Please define that word for me.

EquivalentMobile7883

In reality it makes no sense, $NU announce being approved completely as a bank on such a massive country such as Mexico were they already have a massive user base? That use to be moonshot news, now it seems we are going down

EquivalentMobile7883

Wish I loaded more NU calls in the dip😭

EquivalentMobile7883

$NU 7/10 14 Calls, high risk high reward just finalized its approval as a actual bank within Mexico

johns2289

NU-vidia

CallMeOzzi

I have rotated some into NU, INTR and NICE. I believe all three are undervalued.

2L-S-LivinLarge

Sofi . Yawn. NU if anything. Chym even

Moist-Guava-732

NU 17 Jul 14c & Aug 21 15c = free money

Moist-Guava-732

you guys are sleeping on NU 1 in 5 adults in brazil currently use this neobank its basically the SOFI of latin america

Laxbro41

$NU & $ET calls. Thoughts fellas?

rollingkas

None of the ones mentioned in the comments, so there is that. I have: NU bank EVTC OABI BTU and HSAI Good year so far

MightyDux22

FinTech has been beat up most of the year. Lots of good entry points there imho: SOFI, NU, HOOD

corundum9

Would you call NU investors NUguys or is there a better one we can come up with?

billyd1984texas

I need NU and sofi to pump 😤

Creative_Squash_1083

I think you could hit a few beats in a sub-$100 port that are like: RIV or F (manufacturing), PSTL or VICI (real estate), ET or TE (energy), SOFI or NU (techfinance, foreign if NU), etc.

legible_print

Man I want to buy in NU now but I think there are so many variables with this admin

The-_-Thinker

NU holdings, very solid revenue growth with 18pe ratio

HoldTheHighGround

Thanks for the input everyone. Bank stocks are a bit tricky. That said, I like NU's growth story. I'm going to stay with this one to see how its story unfolds. Cheers!

All_YourBase

I don't know about NU for the wheel. I'm holding some shares but I find the volume to be thin, at least at the Delta that I want.

Round-Swing129

Same here. I am going to start wheeling as well with 4k ish. I have FIG, NU, RGTI on my list at the beginning maybe UiPath not sure about this one yet.

Alpphaa

**It’s one of my largest holdings, and I’m still adding to my position every week. Most likely, NU will outperform SoFi over the next three years mark my words.**

RNutt

P/E is not the best ratio for evaluating banks. I'd look at P/B, ROE, net interest margin(how much profit do they make on their core business), and credit quality. Then P/E if the other ratios made sense. A bank is a balance sheet business. The primary value of a bank is how efficiently it can borrow money from depositors and lenders, then turn that into profitable loans. Here's a few rules of thumb: ROE: 10% - 15% is good. Above 15% is excellent P/B: 1x is average. Less than that can be undervalued or just a weak bank. Above 1 usually mean stronger, but it could also mean you're paying a lot. Net interest margin: this is the profit margin you're making on the bank's money. For a big emerging market bank like NU, it should be at least 5%. 10-15% is strong. Above 15% nad you might be running too hot. For comparison purposes, a big U.S. bank would probably have a 2-3% net interest margin. Credit quality: If the percentage of credit losses/non-performing loans are steady or going down from quarter to quarter, that's good. For a big bank American bank, it should be no more than 4%, meaning $4 out of every $100 in loans is in real trouble. 1-2% is normal, and less than 1% is great. For a fast growing emerging market bank, more than 10% is probably dangerous. 3-6% might be normal. Less than that is really strong. P/E: under 10x is cheap. 10-15x is average. 15x is expensive. Since one of the most attractive things about NU is the growth, I'd look at PEG. Under 1: you're buying earnings cheaply. That's a good thing. 2-3: average 3+: expensive You could get more granular and look at trailing P/E versus forward P/E. You could look at Tier 1 capital and loan loss reserves. Interest rates of course(generally, the higher the better for a bank). All of these are rules of thumb. You have to know the context behind all the numbers. That's why you gotta read the filings. That's how you learn why something is happening. My simple analysis based on cursory research is that this is a good business given the tremendous growth. I would really watch the credit quality though because rapid expansion usually leads to worse quality.

EmbarrassedPart1256

If the administration announces investing in either $CTM or $BBAI, I’m loading the boat with them; I’m not missing another $INTC $IBM opportunity. As they’re penny stocks they could go a lot farther too. Until that, I’m not touching $CTM with a 10’ pole. I’ve sold some $2 $BBAI puts if anyone wants to drop the price that far 🤙 Also check out $NU, one I think is expensive right now, but the company is solid. I sold some $5 puts on that in case it wants to go back to being a penny stock.

throwaway9gk0k4k569

I am calling it the Software Psych. There's a lot of interesting behavior in the numbers this week. Notably, CSU was up Friday. Major outlier. Roper? Ignored. A lot of payments seem to have hit a shelf (NU, SE, MELI, TOST), but I won't touch them because consumers are fucked. CHYM and SOFI are interesting here. Some Cybersec dogs have been ignored, but I think will see major recovery this next year or two, especially ZS, which just had that horrible earnings, but should recover. Checkpoint is a buy for me, and Rapid7 is risky but I know them well enough to think they will recover. There will some consolidation in this sector in the coming years, so be wary.

Strict-Post-3033

How come Celsius and NU holdings isnt affected by this red day?

Strict-Post-3033

I'm looking at NU holdings and Celsius. Is it bullish if they don't go red, or it means nothing?

MitchCurry

Added to my positions in IBKR (7% more shares), IOT (14%), ISRG (8%), NOW (14%), NU (6%), TYL (23%), VEEV (15%), GWRE (14%), PRCT (12%), QXO (15%), and NTDOY (6%).

BrobaFett_1

I exited my position close to my cost basis (slightly down) when I read someone's anecdotal experience from LATAM. They said it's waning in popularity and has lots of cheap garbage. Plus they don't have AWS. I hope it goes up for others though. I'm still in NU, VALE, and CAAP for Latin America.

Thisispaartaaa

Bought NU and SNDK for my wife the other day....if today holds, I'm going to have a grin ear to ear for the next month!

Erieztoys

I have some SOFI and NU bags I can sell you.

Own-Kaleidoscope-731

ur a proud **NU COMMUNITY MEMBER** i see, never buy a bank stock during a damn recession btw

MitchCurry

NU announces a $1B share repurchase program, effective today and to be conducted over the next 12 months.

josk32

Fellow Spaniard, I also got into NU, I think Revolut won’t be able to breach that stronghold in LATAM easily (although they’re entering Brazil/Colombia/Mexico as well). However, the AI is comparing trailing P/E from Revolut (2025) with forward P/E from NU (2026). So not really apples to apples. Moreover, European/USA users are deemed more valuable than LATAM ones. So with this you’re betting on LATAM getting stronger and NU getting stronger. I believe NU should be reclaiming at least those $18 this year, otherwise I’ll increment my position :)

RealTuftedTitmouse

USA is currently not happy with PIX system in Brazil. That could hurt NU

Calebsmoshh

Guys let’s pump NU to $12😎

Calebsmoshh

Guys NU is looking nice! Get those cheap calls🚀

LimpConsequence3616

Copped some NU 11.50 calls with a 6/12 expiry, am I cooked

UnObtainium17

I bought back into NU yesterday and it is already down -4%. Chat, please like and subscribe for more stock tips.

burndestroywreckkill

Don announces tariffs on Brazil, 25%. What is he trying to tank and then buy into. Top 3 brazil related stocks that AI gave me are 1) PBR [oil stock], 2) VALE [mining iron ore and nickel], 3) NU [banking or some shit?] Does anyone else have any Brazil related pump schemes they know about?

EmbarrassedPart1256

Buy when they’re selling 🤙 I sold some $NU puts the other day, $5 strike price, 1/1/28 expiration. I’ll gladly pick up 1K shares @ that price any time they wanna drop it 🤣

Pancheel

Wtf NU?! I never believed in you, but I believed in regards buying your stock, now I'm in shambles u\_u

alternativehermit

Picked up some NU on the dip for sure

WickedSensitiveCrew

Bought CEG, NU, and CRDO on their dips.

UnObtainium17

Added NU back into my portfolio after selling out of them couple of months ago. hopefully it pays off.

WickedSensitiveCrew

PENG CFO steps down stock up 22%. NU CFO steps down stock down 7%. Might be time to stop diversifying and go all in on AI lol.

EmbarrassedPart1256

If $NU becomes a penny stock again we should all buy it 🤙

WickedSensitiveCrew

PENG CFO steps down stock up 18%. NU CFO steps down stock down 7%. I own both but market can be hard to predict at times.

LuolaLogarius

NU

Glittering_Water3645

Compounding business with increasing revenue and earnings growth traded at a modest valuation (PEG below 1). Uber, nvidia, NU, INTR, MELI, adobe, expedia, reddit, meta, BN among others

SoHasty

It's MU not NU

MountainOpposite3199

Bro, 45% revenue growth is no joke, but 2000? That's a 20x from here, gonna need a lot more than that to justify. Trademates scores NU a BUY with that 45% growth and 29% ROE, but even they see the 31% pullback as overdone, not a moon shot. I'd say it's a solid hold for now, but temper those expectations lol.

Slippin81

Bruh, you accidentally bought NU….. it’s MU my friend.

Dumbest_Degenerate

I feel you on NU.

Longjumping-Fact-582

I looked into this space a little recently and thought both NU and ITUB to be interesting, the big problem I have is the FX risk, while I believe both companies will be successful and have good business results, on an investment basis those results could (and very likely will) be diluted or even destroyed by exchange rates from the Brazilian real to USD. As a US based investor it makes it a difficult space to feel good about, probably a good play for any Brazil domestic investors but for me it’s gonna be a pass.

Competitive_Dare4939

I have my money in Banco ITAU $ITUB imo its better then NU

Aggravating_Loss3755

Been watching Brazilian fintech space for while now and your picks make sense. NU especially has that network effect thing going - once people get hooked in their ecosystem it's hard to leave. The growth numbers they're putting up in Mexico and Colombia are pretty wild too. STNE is interesting play but man, their past credit mess really burned a lot of people. Management seems different now but that's always the question mark with turnaround stories. At 4 PE though, if they can just execute decently you're probably looking at good returns. The payment processing market there is still pretty fragmented so room for consolidation. PAGS at under 7 PE is basically screaming value if you believe in Brazilian economy not completely imploding. Their buyback program shows they think stock is cheap too. I'm bit worried about the competition heating up but at these prices maybe that's already priced in like you said. Might throw some money at this one myself actually.

All_YourBase

They're on WS. NU and PAGS are listed on the NYSE. STNE is on the NASDAQ.

Adept-Bet-2420

Been there, done that. Sold at a loss. If I'd venture into fintech again I'd at least buy something spicy like NU.

Unturica93

Eu fac swing trading /day trading incerc sa evit '' catching a falling knife '' NU cumpar cand este pe rosu,cumpar doar cand este pe verde.Stiu,pare o idiotenie. Incerc sa fac bani pe Momentum trading pe actiuni individuale Din cate am vazut eu majoritatea actiunilor au dentinta sa fie Verde Verde Verde Rosu rosu rosu mai RAR V-R-V-R-V-R, Am incercat sa cumpar cand este pe rosu a fost -5% am cumparat, a ajuns -30%,am ramas blocat. Eu fac Gambling pe bursa(atat pot,sunt pe +)

museman401

NU, MELI and RDDT seem way undervalued. I am also thinking about moving some winnings into high yield securities like PFFA, STWD, ET.

museman401

Lots of money in the NU apartment! Thank me in a couple years

museman401

Love NU. Seriously undervalued. Will be 10x before long

Dependent-Entrance56

NU, WMT, HD, MCD, MSFT with leaps on most of them

LowWind7998

NU, INTR, & WIT , WMT today . and Sony next week.

thestudmffn

NU, APLD, PURR, FCEL, T and SPX calls gonna make me lots of money today 💰

MaxMillion888

it would be great if they could do a roe walk in an Investor Presentation that gets to NU bank's 29% ROE. Just the consumer side. they can leave galileo off to the side. That would go a long way in assuaging investor concerns.

jd192739

$NU recovering

AluminiumCaffeine

MELI/NU/SE here seem so obvious I feel nervous loading heavier tbh, market is whining about margins whereas what I care about is topline growth exploding still... maybe I am being naive but I just want them eating market share still not optimizing for fcf/eps yet

StrategyUnlikely398

NU really chapped my ass last week

gentlesandwich

AGYS looks like a clear, solid play for calls... but so was NU, and one little fucking hiccup sank the whole thing. I wonder if AGYS has one, minor drawback that will cause it to go down even on food earnings.

MitchCurry

Just added 14% more shares to my position in NU.

your_mom_loves_me69

Imma need NU to do a little V for me

BermudopeHighangle

Fucking NU

MitchCurry

Solid NU earnings yesterday. Big 33% surge in q/q credit loss allowance, apparently driven by seasonality, portfolio growth, and product mix shift towards higher-risk segments. Management said it was expected and used the 90+ day NPL ratio declining 10bps. Meanwhile ARPAC was up 23% y/y and grew sequentially q/q despite Q1 usually being soft. LDR jumped from 48.5% to 58.3% y/y as NU moves aggressively into credit. 17.6% efficiency ratio is nuts. Mexico hit break-even as they crossed the 15MM customer mark, and NU is now the 3rd largest FI in the country. There's a massive TAM there. Colombia is a few years behind Mexico on the same curve and just crossed 5MM customers. Their US expansion has begun but they are being extremely deliberate and careful. They say there will be no scaling beyond the initial phase until they find product-market fit and a credible path to profitability. It seems too obvious that they'll target the underserved Hispanic population first, which is something like 60-70MM people. If you're investing in NU for the US expansion, you'll probably be disappointed. I don't think it will have a meaningful impact to the top or bottom line until at least 2029. Currently down 3.8% PM. I'll probably be adding to my position today.

jd192739

NU opening green tomorrow?

gentlesandwich

It's kind of crazy how undervalued NU continues to be. They're becoming the main banking institution in so many Latin American countries

treesRfriends13

NU but she coming back

your_mom_loves_me69

Doubled down and bought the NU dip after hours, perhaps I made a good move for once

FinallyArt

I'm gonna blame reddit hype for getting me into that piece of shit NU Holdings at $17. Fortunately not too much $$

assholy_than_thou

Bought FIG, NU and NNe - fucked on all.

Paddington97

Something leak on NU? It's getting annihilated

gentlesandwich

NU hasn't even put up its earnings report and just randomly plummeted lmao. This doesn't bode well for my calls.

your_mom_loves_me69

Took a gamble on NU, looks like I’m getting bent over tomorrow

bubbasnub

The NU earnings call won't be until 6PM EST Weird time for an EC compared to most companies range between go at 4:30PM to 5:30PM

davewuff

Where is NU?

azkxv

Went with NU over FIG, hopefully I don’t end up fucking my own arse

treesRfriends13

What time NU report jfc

analystgonewild

NU bank anyone playing through earnings?

SlapYouSilly999

Who else got NU calls

Red_V_Standing_By

We all know about MU. What what about NU? They're reporting earnings today.

InjuryHead4843

NU looks like free money here

nebuloushazybull

Hurry FIG or NU before market close PLS SOMEONE

jerome-yellen

What you guys think of NU calls for earnings today?

jusjones314

NU 12P 05/22 printing or nah?

dfreauf1

NU call but I’m like 1/4 this week on earnings so do with that information what you will

Holiday_Clock9250

NU is tremendously undervalued. It won’t skyrocket but it’s an amazing growth stock.

Schnappr

If you want another fintech to go up against SOFI check out Nubank. Essentially the SOFI of Latin America. I'm in on SOFI, but have been thinking of adding some NU.

billyd1984texas

Any chance NU pops with earnings tomorrow

Mindless-Program-540

Don’t drink and trade. Bought NU instead of MU

BermudopeHighangle

Gonna get raped by NU