滴滴败诉，美团上线，一场商战发生在太平洋彼岸。 昨日，美团旗下品牌Keeta正式在巴西市场运营，首批试点城市为圣保罗州沿海城市桑托斯和圣维森特。但上线前就已经获得了一次胜局，8月Keeta与滴 滴旗下99Food就违反竞争法一事在巴西圣保罗法院对薄公堂，一审判决的结果为，Keeta获得胜诉，巴西圣保罗法院宣布99Food禁止合作餐厅与Keeta开展 业务的合同条款无效。 官司打起来的时候，Keeta在巴西都还没正式营业。就算到了现在，双方也还没在同一个城市正面交锋，目前99Food已经运营的城市为戈亚尼亚、圣保罗 和里约热内卢，双方经营的城市都是对方未涉足之地。新市场、老对手，抢市场之前先在法院相见，巴西市场竞争的火药味，由此可见一斑。 而围绕巴西的看点远不止外卖这么简单。近两年，多家互联网企业都将目光望向了巴西市场。如电商企业Temu、Shopee，内容公司TikTok、Kwai等等， 就连马斯克也喊话说要在巴西押注于超级应用X，挑战在巴西占主导地位的WhatsApp。 超级App是全球数字经济的高地，它们以高频入口聚合多场景服务，在支付、社交、出行、生活等领域形成闭环。从中国的微信，到东南亚的Grab，再 ...

Core Insights - Nu Holdings is expanding into the U.S. market, aiming to enhance its growth potential and compete with established digital banks like SoFi Technologies [1][6][7] Company Overview - Nu Holdings has achieved significant growth in Latin America, particularly in Brazil, where it has successfully targeted both unbanked consumers and affluent clients [2] - The company has also entered Mexico and Colombia, receiving a full banking charter in Mexico, which allows for a broader range of products and services [4] International Expansion - Nu made a strategic investment of $150 million in Tyme Group, a digital bank operating in South Africa and the Philippines, indicating its intent for global expansion [5] - The company has applied for a domestic banking license in the U.S., aligning with its goal to evolve into a global banking model while focusing on growth in existing markets [6] Competitive Landscape - Nu and SoFi are both disruptive players in the digital banking sector, with potential competition as they target different consumer segments [7][9] - While Nu is currently in a learning phase, it has demonstrated rapid and profitable growth, positioning itself as a formidable competitor in the global market [9] Market Valuation - Nu's stock is perceived as undervalued compared to SoFi, especially when considering expected earnings growth, making it an attractive option for risk-tolerant investors [11][13]

I aim to invest in companies with perfect qualitative attributes, buy them at an attractive price based on fundamentals, and hold them forever. I hope to publish articles covering such companies approximately 3 times per week, with extensive quarterly follow-ups and constant updates.I manage a concentrated portfolio targeted at avoiding losers and maximizing exposure to big winners. This means that often I'll rate great companies at a 'Hold' because their growth opportunity is below my threshold, or their d ...

Core Insights - Both Futu Holdings Limited (FUTU) and Nu Holdings (NU) are significant players in the fintech sector, with FUTU focusing on digital brokerage in Hong Kong and internationally, while NU serves the Latin American market with banking and financial services [1] Futu Holdings (FUTU) - FUTU achieved a remarkable 69.7% year-over-year revenue growth in Q2 2025, driven by its integration of AI into operations [2] - The company expanded its client base by adding 262,000 funded accounts in Q2 2025, totaling 2.7 million, reflecting a 42% year-over-year increase [3] - Total assets under management for FUTU surged 104.4% year-over-year as of Q2 2025, supported by partnerships with over 80 fund companies [4] - FUTU's strategy includes leveraging AI in its products, with offerings like Futubull AI and moomoo AI enhancing its global reach [6] Nu Holdings (NU) - NU added over 4.1 million customers in Q2 2025, bringing the total to 122.7 million, which represents a 17% year-over-year growth [7] - The company reported $3.7 billion in revenue for Q2 2025, a 29% increase year-over-year, with average revenue per active customer rising 18% to $12 [8] - NU's digital-first model, particularly through its NuBank, has disrupted traditional banking in Brazil and is expanding into Colombia and Mexico [9] - The company demonstrated effective risk management, with a 30-basis point decline in the 15-90-day non-performing loan ratio, indicating improved asset quality [11] Financial Estimates - The Zacks Consensus Estimate for FUTU indicates a 42.9% growth in sales and a 66.9% increase in EPS for 2025 [12] - For NU, the estimates suggest a 32.2% growth in sales and a 24.4% increase in EPS for 2025 [13] Valuation Comparison - NU is trading at a forward price-to-sales multiple of 4.13, lower than its 12-month median of 3.65, while FUTU's forward earnings multiple is 9.82, above its median of 7.24 [15] Conclusion - Both FUTU and NU are strong contenders in the fintech space, but NU is positioned as a more attractive investment due to its rapid customer base expansion and efficient business model [18] - Despite both companies being fundamentally strong, NU's lower valuation compared to FUTU suggests it may offer better long-term returns for investors [19]

Related news Stocks Power To Fresh Highs; MongoDB, Nu Holdings, SoFi Technologies In Focus. 10/28/2025Ken Shreve and Ed Carson and analyze Tuesday's market action and discuss key stocks to watch on Stock Market Today. Get instant access to exclusive stock lists, expert market analysis and powerful tools with 2 months of IBD Digital for only $20! BREAKING: Fed Rate Cut Looms, But What Will Powell Say? (Live Coverage) Nu Holdings Cl A Nu Holdings Cl A NU $ 16.20 $0.27 1.69% 54% IBD Stock Analysis Flat base ha ...

Key Points Upstart is approving more loans as interest rates decline. Nu’s growth is cooling off and its near-term expenses are rising. Both companies are well-managed, but one stock has more room to run. 10 stocks we like better than Upstart › Upstart Holdings (NASDAQ: UPST) and Nu Holdings (NYSE: NU) are both innovative fintech companies that are shaking up traditional financial institutions. Upstart uses AI to analyze non-traditional data points (like GPAs, standardized test scores, and previo ...

Company Performance - Nu Holdings Ltd. closed at $16.00, with a daily increase of +1.01%, lagging behind the S&P 500's gain of 1.23% [1] - Over the last month, the company's shares increased by 0.38%, outperforming the Finance sector's loss of 0.67% but underperforming the S&P 500's gain of 2.45% [1] Upcoming Earnings - The company is expected to report an EPS of $0.15, reflecting a 25% increase from the prior-year quarter [2] - Revenue is projected at $3.87 billion, indicating a 31.66% rise from the same quarter last year [2] Annual Forecast - Zacks Consensus Estimates forecast earnings of $0.56 per share and revenue of $14.95 billion for the year, representing increases of +24.44% and +29.77%, respectively, compared to the previous year [3] Analyst Estimates - Recent adjustments to analyst estimates for Nu Holdings Ltd. may indicate changing business trends, with positive changes reflecting analyst optimism [4] - The Zacks Rank system, which incorporates estimate changes, currently rates Nu Holdings Ltd. as 2 (Buy) [6] Valuation Metrics - The company has a Forward P/E ratio of 28.12, which is a premium compared to the industry average of 10.77 [7] - Nu Holdings Ltd. has a PEG ratio of 0.82, while the Banks - Foreign industry average PEG ratio is 1.05 [7] Industry Context - The Banks - Foreign industry, part of the Finance sector, holds a Zacks Industry Rank of 94, placing it in the top 39% of over 250 industries [8] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]

Core Viewpoint - Growth stocks are appealing due to their potential for above-average financial growth, but identifying the right ones can be challenging due to associated risks and volatility [1] Group 1: Company Overview - Nu Holdings Ltd. (NU) is highlighted as a promising growth stock, possessing a favorable Growth Score and a top Zacks Rank [2] - The company has a historical EPS growth rate of 192%, with projected EPS growth of 25.2% this year, significantly outperforming the industry average of 8.8% [5] Group 2: Key Growth Factors - Earnings growth is crucial for attracting investor attention, with double-digit growth being particularly favorable [4] - Nu's asset utilization ratio is 0.24, indicating that the company generates $0.24 in sales for every dollar in assets, compared to the industry average of 0.05, showcasing superior efficiency [6] - Sales growth for Nu is projected at 29.8% this year, while the industry average is 0%, indicating strong sales performance [7] Group 3: Earnings Estimate Revisions - Positive trends in earnings estimate revisions are important, with Nu experiencing a 1.2% increase in current-year earnings estimates over the past month [8] - The overall earnings estimate revisions have positioned Nu as a Zacks Rank 2 stock, with a Growth Score of A based on various favorable metrics [9]

The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price. Do they really matter, though?Before we discuss the reliability of brokerage recommendations and how to use them to your advantage, let's see what these Wall Street heavyweights think about Nu Holdings Ltd. (NU) .Nu currently has an average brokerage reco ...

Core Insights - The fintech sector is positioned at the intersection of finance and technology, with the potential to disrupt traditional financial institutions through modern technology [1] - Despite inherent risks, the impressive growth and future potential of fintech companies make them attractive investment opportunities [1] Company Summaries SoFi Technologies - SoFi Technologies has evolved into a comprehensive financial services provider, significantly expanding its offerings beyond student loan refinancing [4] - The acquisition of a bank charter has allowed SoFi to build deposits, fund lending, and access low-cost capital, contributing to a rise in customer count from 3.5 million in 2021 to 11.7 million [5] - Future strategies include cross-selling products and enhancing its technology platform to enable non-bank entities to offer banking products [6] Nu Holdings - Nu Holdings has rapidly gained traction in the Brazilian banking market, growing its customer base from 26 million to 107 million in five years [7] - The company has achieved this growth by providing a user-friendly app and offering competitive loan rates, addressing the oligopolistic nature of the banking sector in Brazil [8]