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Nu Holdings Ltd. Shs Cert Deposito Arg Repr 0.5 ShNu Holdings Ltd. Shs Cert Deposito Arg Repr 0.5 ShNu Holdings Ltd. Shs Cert Deposito Arg Repr 0.5 Sh

Nu Holdings Ltd. Shs Cert Deposito Arg Repr 0.5 Sh

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NUD trade ideas

Undervalued Fintech Just Hit 110M Users: Nubank ($NU)The Case for Nubank NYSE:NU Nubank is a combination of growth and value in the fintech space. I personally like it when, as an investor, I find a stock that is a growth and value stock simultaneously. Nu is trading at a P/E of 31.5x, and the company is a compelling story with upside potential as Latin America's leading digital bank continues its rapid expansion. The LATAM market still has lots of underbanked people, but Nubank offers the neobank and digital services necessary for those people. The fact that it amassed 110 million clients in just a few years tells us something. The clients are mostly in Brazil, Mexico, and Colombia, but the company is planning expansion to other countries, including the US Remarkable Financial Trajectory (2023-2025) Revenue Growth Acceleration: 2023: $3.37B total revenue Q2 2025 alone: $3.36B revenue. Q2 2025 alone had the same revenue as 2023. Truly impressive Very strong quarter-over-quarter growth and operational leverage. Key Financial Metrics Progression P/E Evolution: From 90x+ (growth phase) → 31.5x (profitable growth phase) Revenue CAGR: 63.4% demonstrating consistent market penetration EPS Growth: 63.2% three-year average showing operational leverage User Growth: 30M → 110M+ (4x in 5 years) with improving unit economics Investment thesis: Why Nubank is undervalued 1. Valuation arbitrage Current P/E: 31.5x vs. US fintech peer SoFi NASDAQ:SOFI at ~50x Growth-adjusted valuation: 63% revenue growth at 31x P/E = 0.49 PEG ratio (anything under 1.0 is attractive) International discount: Market applying "emerging market penalty" despite superior fundamentals 2. Proven Business Model Scalability The 2023-2025 data eliminates key execution risks: Growing profitability across multiple quarters Growth maintained at scale (110M+ users, still growing) Margin expansion demonstrating operational leverage Multi-year consistency reducing one-time success concerns 3. Structural advantages in underserved arkets Digital-first cost structure: 80%+ lower cost base than traditional banks First-mover advantage: Dominant position in Brazil, early leadership in Mexico/Colombia Network effects: Growing ecosystem creates switching costs and viral acquisition Regulatory tailwinds: Government support for financial inclusion across Latin America 4. Multiple Expansion Catalysts Near-term (1-2 years): US market expansion announcement Continued profitability growth reducing "emerging market risk" perception Potential inclusion in major indices (MSCI, etc.) Medium-term (3-5 years): Cross-border payments and remittance products Small business lending expansion Insurance and wealth management scaling Geographic Expansion: The untapped opportunity Brazil (Mature Market) Market-leading position providing stable cash flow foundation Still room for product penetration (insurance, wealth management) Mexico/Colombia (Growth Markets) Early-stage penetration with massive TAM 2025 data suggests strong traction in these markets US Expansion (Game Changer) Management indicated plans for US market entry Could unlock premium US fintech valuations (40-50x P/E multiples) Remittance corridor between US and Latin America represents $100B+ opportunity Risk-Reward Analysis Conservative 5-Year Scenario: Earnings growth: 25% CAGR (conservative given 63% current growth) = 3x earnings in 5 years Multiple expansion: P/E re-rating to 45x (still below SoFi's 50x) = 43% upside Combined effect: 3x earnings × 1.43x multiple = 4.3x total return Base Case Assumptions: Revenue growth slows to 20-25% annually (from current 63%) P/E expands to 40-45x as profitability matures US expansion adds 20-30% valuation premium Target: 3-4x returns over 5 years Why Now?? Valuation Opportunity: 31.5x P/E for 63% growth company is historically cheap Proven Execution: 2023-2025 data eliminates major execution risks Market Inefficiency: US investors underweight due to "foreign" perception Catalyst Pipeline: US expansion, product launches, and regulatory tailwinds Target Price: $45-60 over 5 years (3-4x current levels), supported by continued geographic expansion, product innovation, and P/E re-rating as the market recognizes Nubank's transition to a mature, profitable growth company. Conclusion Nubank in 2025 is no longer a speculative fintech play - it's a proven, profitable, growing financial services powerhouse trading at a discount to inferior peers. The combination of 63% revenue growth, sustainable profitability, massive TAM, and 31.5x P/E creates an asymmetric risk-reward opportunity rarely seen in public markets.
NYSE:NULong
by HenriqueCentieiro
Simple Trading Analysis using Supply and DemandThis is the most basic chart I will ever draw to indicate how simple the all-important concept of supply and demand could be. Let's begin with the initial move to all time highs that we saw in September 2024. #1. Strong bullish volume followed by relatively strong bearish volume. #2. We re-entered our recent demand zone and quickly moved to our recently created supply zone - but, with weak volume #3. We rejected our supply zone with strong volume leading us to needing a deeper pullback into even higher time frame demand #4. We utilized this higher time frame liquidity (buyers) to propel us out of the mid demand zone and right back to our supply zone #5. We rejected our supply zone again but this time with a less strong reaction and low volume. #6. Demand strengthened at our mid demand zone (indicating buyers are stepping up at higher levels). There was no need to go back to our higher time frame demand - buyers were present and indicating that fair value was higher than previously. #7. We retested our supply zone and although we saw a rejection, we can see that the volume was weakened and sellers were starting to fizzle out. #8. From our mid demand zone, we see volume spike - indicating again that buyers are extremely present but at a higher agreed-upon price. We are now in the process of breaking through this now-weakened supply zone in order to turn all these former sellers into buyers. What was previously strong resistance will instinctively turn into strong support once the agreed-upon fair-value-price turns from $13 into $15. From there we can start to create a new base of supply and demand in the previously tapped $17-$20 range. Happy Trading all :)
NYSE:NULong
by ReigningTrades
Cup n handle on Weekly and D/W Breakout watchFIrst OFF Lets say it aloud = Bigger the base, higher in space ! Secondly look at Monthly or weekly chart and see 42 months of Consolidation in that area? See a cup and handle? see this sticking to the highs and banging its head at $14 w multiple tries, Simple Rule is the more we hit on a resistance we have higher probability and not a certainity but a higher probability to break it and as it breaks resistance is ATH at $16. More importantly what the risk ? If Investor then go with $12 as the biggest volume shelf is there as seen in my indicator VRVP If Swinging then we got a poor R/R as the target itself is $16 but if you see the Earnings gap at $12.78 aligns with all the EMAs like 50 so im keeping my risk there ! Pros= -Great fundamentals and growth on YOY quarterly even though lower from earlier but my bet is if Papa powell starts the rate cut and the money printing goes brrrrr which they will eventually resort to then Financials obviously see that and we get a massive BO. I already entered in anticipation on half size, I will add more once it crosses $14 and gives me a clean retest. If you are reading this and think you will double triple your money then delete the app and dont waste time or your hard earned money, Im not Nostradamus nor a hedge fund if the idea fails DO NOT I REPEAT DO NOT BITCH OR MOAN, PROTECT YOU CAPITAL AND TAKE RESPONSIBILITY. Good luck all !!!
NYSE:NULong
by trendcontinuum
2
$NU Holding Gap Fill IdeaNot only did Citi Bank give NU Holding an upgrade to $18. Since the end of April this stock has been itching to blast off. On top of massive expansion into "NU" territories (get it), and disrupting the standard financial institutions, NYSE:NU is positioning itself to become a Financial superapp. With the "power of three" attempts to break through resistance, Today's tail candle looks promising to pop through and head towards the gap fill at $15.60
NYSE:NULong
by BensTraderDaddyStocks
2
NU $12 Call – Earnings Play Incoming! ## 🚀 NU \$12 Call – Earnings Play Incoming! **Sentiment:** 🟢 *Moderate Bullish (75% Confidence)* * **TTM Revenue Growth:** 10.6% 📈 * **Operating Margin:** 57.7% 💰 * **RSI:** 34.3 (Oversold, potential reversal) * **Options Flow:** Strong call interest at \$12.00/\$12.50 strikes * **Macro:** Fintech sector bullish, emerging markets favorable * **Gamma & Volatility:** Low IV (VIX 14.84), high potential post-earnings --- ### 📊 **Trade Snapshot** * **Type:** CALL (Long) * **Strike:** \$12.00 * **Expiry:** 2025-08-15 * **Entry Premium:** \$0.45 * **Profit Target:** \$1.35 (+200-300% potential) * **Stop Loss:** \$0.23 (50% risk) * **Size:** 1 contract * **Entry Timing:** Pre-earnings close * **Expected Move:** 5% --- ### 💡 **Strategy Notes** * High-conviction earnings play, but monitor time decay and post-earnings volatility. * Exit options: * **Profit Target:** \$1.35 * **Stop Loss:** \$0.23 * **Time-Based:** Exit if no move within 2 hours post-earnings --- 📌 *Strong fundamentals + institutional support + oversold technicals = optimal pre-earnings call setup.* **#NU #EarningsPlay #OptionsTrading #CallOptions #FintechStocks #HighConviction #TradingSignals #AMC**
NYSE:NULong
by quantsignals
$NU : 30% CAGR for your portfolio for the next 3-5 years!- NYSE:NU is a big name in the LATAM. - LATAM is expected to grow significantly in next decade with digitalization as the strongest theme. - Let's talk about fundamentals: Year | 2025| 2026| 2027 | 2028 EPS | 0.56 | 0.77 | 1.05 | 1.45 EPS growth% | 31.99% | 37.71% | 36.05% | 38.58% For a company growing EPS at 30%+ deserves a forward p/e of 30 Base Case Stock Value ( Forward p/e = 30 ): Year | 2025| 2026| 2027 | 2028 fair value | $16.8 | $23 | $31 | $43 Bear Case ( Forward p/e = 20 ) Year | 2025| 2026| 2027 | 2028 fair value | $11.2 | $15.4 | $21 | $29 Bull Case ( Forward p/e = 35 ) Year | 2025| 2026| 2027 | 2028 fair value | $19.6 | $26.95 | $36.75 | $50
NYSE:NULong
by bigbull037
Nu Holdings: Is Latin America's Fintech Star Sustainable?Nu Holdings Ltd. stands as a prominent neobank, revolutionizing financial services across Latin America. The company leverages the region's accelerating smartphone adoption and burgeoning digital payment trends, offering a comprehensive suite of services from checking accounts to insurance. Nu's impressive trajectory includes acquiring 118.6 million customers, accumulating $54 billion in assets, and consistently demonstrating robust revenue and net income growth, primarily driven by its strong presence in Brazil, Mexico, and Colombia; - this strategic alignment with digital transformation positions Nu as a significant player in the evolving financial landscape. Despite its remarkable expansion and optimistic projections for continued customer and asset growth, Nu faces notable financial headwinds. The company experiences an erosion in its net interest margin (NIM), influenced by increased funding costs from attracting new, high-quality customers and a strategic shift towards lower-yield, secured lending products. Furthermore, the depreciation of the Brazilian Real and Mexican Peso against the US dollar impacts their reported earnings. Nu's ambitious ventures, such as the NuCel mobile phone service, require substantial capital investments, introducing execution risks and demanding efficient capital allocation. Beyond internal financial dynamics, a significant, albeit external, geopolitical risk looms: a potential Chinese invasion of Taiwan. This event would trigger a global embargo on China, leading to unprecedented supply chain disruptions, widespread stagflation, and hyperinflation worldwide. Such a catastrophic economic cascade would profoundly impact Nu Holdings, even given its regional focus. It would likely result in drastically reduced consumer spending, a surge in loan defaults, severe challenges in accessing funding, further currency devaluations, and soaring operational costs, thereby threatening the company's stability and growth prospects. Ultimately, Nu Holdings presents a compelling growth narrative rooted in its innovative model and strong market penetration. However, internal pressures from evolving interest margins and high capital expenditure, combined with the low-probability but high-impact global economic upheaval stemming from geopolitical tensions, necessitate a cautious and comprehensive assessment. Investors must weigh Nu's demonstrated success against these complex, intertwined risks, acknowledging that its future prosperity is inextricably linked to both regional economic stability and the broader global geopolitical climate.
NYSE:NUShort
by UDIS_View
Nu Flag breakoutNU given flag break out and also retested channel breakout hope it will make new highs in future Nu Holdings Ltd. (NYSE: NU), the parent company of Nubank, is a leading digital banking platform in Latin America, operating primarily in Brazil, Mexico, and Colombia. As of May 22, 2025, the stock trades at $12.25, with a market capitalization of approximately $58 billion Nu Holdings demonstrates robust growth and profitability, driven by its expanding customer base and strategic initiatives in Latin America. The company's strong financial performance, coupled with its expansion into new markets and leadership appointments, positions it well for continued growth. However, investors should remain mindful of potential risks, including FX volatility and market-specific challenges.
NYSE:NULong
by stocktwists
1
Nu Holdings (NU, 1D) — Technical AnalysisNu Holdings (NU, 1D) — Technical Analysis: Trendline Breakout, EMA/MA Confirmation, Recovery Toward Key Levels On the daily chart, Nu Holdings has broken out of a descending trendline, signaling a potential structural reversal. The breakout was confirmed by a close above key exponential and simple moving averages (EMA 50/100/200), with the EMAs beginning to align in a bullish sequence. The price has held above the critical Fibonacci retracement level at $11.73 (0.618), which now serves as a key demand zone. Volume shows signs of increasing during upward impulses, suggesting accumulation interest. The current recovery structure indicates potential targets at $12.58 (0.5 Fibonacci), followed by $13.42 (0.382) and $14.46 (0.236). A more extended move could lead toward the previous supply zone near $16.15 if momentum persists. From a fundamental standpoint, Nu Holdings continues to attract investor attention within the fintech sector, especially amid broader rotation back into growth and tech-driven financial platforms. The company's expanding market presence and improving financial metrics may support the current technical setup. As long as the price holds above the broken trendline and maintains strength above the key $11.73 level, the bullish scenario remains in focus with targets pointing toward the $13.42–$14.46 range and potentially higher in the medium term.
NYSE:NULong
by TotoshkaTrades
Short Trade Setup – NU Holdings (NU)!🔻 Timeframe: 30-Minute Chart Pattern: Rising Wedge Breakdown (Bearish Reversal) 📝 Trade Plan 📌 Entry: ~$13.49 (Breakdown confirmation from rising wedge) 🛑 Stop-Loss (SL): $13.82 (Above wedge resistance / invalidation zone) 🎯 Take Profit Targets: TP1: $13.09 (support zone – red line) TP2: $12.59 (major support – green line) 📊 Risk-Reward Calculation Risk: $13.82 - $13.49 = $0.33 Reward to TP1: $13.49 - $13.09 = $0.40 Reward to TP2: $13.49 - $12.59 = $0.90 ➡️ Risk-Reward Ratios: To TP1: ~1:1.21 To TP2: ~1:2.72 🔍 Key Technical Zones 🔻 Entry: Breakdown at $13.49 🛑 SL: $13.82 (wedge invalidation) 🟥 TP1: $13.09 (prior demand) 🟩 TP2: $12.59 (strong support base) ✅ Setup Summary Clean wedge breakdown pattern Tight stop-loss above recent highs Excellent risk-reward profile, especially toward TP2 Watch for volume confirmation and market sentiment
NYSE:NUShort
by ProfittoPath
NU | Long | Earnings Growth Outlook | (April 2025)NU | Long | Post-Liquidity Grab + Earnings Growth Outlook | (April 2025) 1️⃣ Short Insight Summary: NU Holdings has been climbing steadily after grabbing liquidity from key levels earlier in 2024. With strong fundamentals and a potential channel breakout, the setup looks favorable for upside continuation. 2️⃣ Trade Parameters: Bias: Long Entry Zone: Watching around $10.80 for potential compounding Stop Loss / Invalidation: Below $10 TP1: $13.00 TP2: $14.50 TP3: $15.00 ✅ Trade structure favors compounding near key supports, with partial take profits along the way. 3️⃣ Key Notes: 🔹 Fundamentals: 🔹Revenue: SEED_TVCODER77_ETHBTCDATA:10B 🔹Net Income: SEED_TVCODER77_ETHBTCDATA:2B 🔹Market Cap: $54B EPS & Revenue Growth: Expected to increase significantly over the next few quarters and into the coming years. NU is showing strong financials for a fintech player in a growing market, and forward-looking earnings per share (EPS) projections are bullish. These factors support a longer-term accumulation strategy. 🔹 Technical Setup: Liquidity was swept from both the January 2024 lows and the February 2024 levels, clearing out weak hands. Now, NU is trading within an ascending channel and could be preparing for a breakout. Key resistance areas are marked at $13 and $14+, and a clean move above these could open the door to $15+. 🔹 Macro View: As long as market sentiment holds and fintech sector strength continues, NU has the potential to outperform. Still, invalidation below $10 would signal caution, and that’s where risk should be tightly managed. 4️⃣ Follow-up Note: I’ll be watching for more confirmation and price behavior near $10.80 for a possible compounding opportunity. Updates will follow if structure or sentiment shifts significantly. Please LIKE 👍, FOLLOW ✅, SHARE 🙌 and COMMENT ✍ if you enjoy this idea! Also share your ideas and charts in the comments section below! This is best way to keep it relevant, support us, keep the content here free and allow the idea to reach as many people as possible. Disclaimer: This is not a financial advise. Always conduct your own research. This content may include enhancements made using AI.
NYSE:NULong
by Risk_Adj_Return
NU Stock Analysis for Jan 31, 2025Technical Analysis (TA) Summary * Trend: NU is in a short-term uptrend with a rising channel as seen in the chart. * Key Support Levels: * $12.80: Strong support near recent price action. * $12.39: Intermediate support in case of a pullback. * $11.85: Critical support and potential stop-loss area. * Key Resistance Levels: * $13.55: Immediate resistance, aligning with the upper channel trendline. * $14.00: Next potential breakout target. * Indicators: * MACD: Neutral momentum; awaiting cross signal for clarity. * Stoch RSI: Overbought but still holding strength. Watch for cooling off. Gamma Exposure (GEX) Insights * Options Sentiment: GEX remains positive, with 34.3% of open interest leaning toward CALLs. * Significant Walls: * Call Wall: $14.00 - Bullish resistance; needs volume to push through. * Put Wall: $11.50 - Strong downside protection level. Trade Plan 1. Bullish Scenario: * Entry: Around $13.00 on pullbacks with a tight stop below $12.80. * Target 1: $13.55. * Target 2: $14.00 (breakout potential). 2. Bearish Scenario: * Entry: Below $12.39 (breakdown confirmation). * Target 1: $11.85. * Stop: Above $12.80. Options Trade Suggestion * Bullish Play: Buy $14 Calls (Feb expiry) if price sustains above $13.00 with volume. * Bearish Play: Buy $12 Puts (Feb expiry) if price breaks below $12.39. Directional Thoughts * NU shows strong buying pressure at current levels, but overbought conditions could result in short-term consolidation. A break above $13.55 confirms bullish continuation toward $14. Monitor volume for follow-through. Disclaimer:
This analysis is for educational purposes only and does not constitute financial advice. Price levels may change; traders should adjust according to pre-market data. For questions or more details, please PM me.
NYSE:NU
by BullBearInsights
LONG NU @ 12.53 - patience is a virtueThis one has been a little temperamental lately, and can take some time for the trade to work out when it is, but ultimately still has a perfect record (79-0) of coming through after a buy signal since it went public near the beginning of 2022. It has also been in an almost 2 year long uptrend and trading strong stocks improves my odds dramatically. However, I'm always a bit more skeptical when I trade stocks with short trading histories, and 2 years is short for me, but in the end I just trust my numbers. And this one has pretty good ones. Its average daily returns have been top quartile for me, returning an average of about .20% per day held. That's close to 4.5x the long term average daily return of the S&P and almost double the daily return of the of the market this year, which has been a VERY good one for the market. Average hold has been about 3 weeks but that's skewed longer by a couple of long trades. The median trade length is 1 day, so having a 50/50 shot at this being a 1 day trade and the vast majority taking less than a week makes it worth the risk of tying up capital for longer. Per my usual strategy, once I'm in I'll add at the close on any day it is still given a buy signal by my algorithm, and I will use FPC (first profitable close) to exit any lot on the day it closes at any profit. As always - this is intended as "edutainment" and my perspective on what I am or would be doing, not a recommendation for you to buy or sell. Act accordingly and invest at your own risk. DYOR and only make investments that make good financial sense for you in your current situation.
NYSE:NULong
by redwingcoach
26