Core Viewpoint - Nu Holdings experienced a significant stock decline of 19% on February 21, 2025, dropping to $10.80 despite reporting strong earnings, which reinforces confidence in the long-term prospects of this Latin American fintech company [1] Company Summary - Nu Holdings is identified as a major player in the Latin American fintech sector, indicating its potential for growth and investment opportunities [1] Financial Performance - The earnings report from Nu Holdings was described as "pretty good," suggesting that the company's financial health remains robust despite the stock price drop [1]

Investment Strategy - The company employs a contrarian investment style, focusing on high-risk, illiquid options and shares [1] - The investment portfolio is split approximately 50%-50% between shares and call options, with a typical investment timeframe of 3-24 months [1] - The company targets stocks that have recently experienced sell-offs due to non-recurrent events, particularly when insiders are buying shares at lower prices [1] Screening and Analysis - Fundamental analysis is utilized to assess the health of companies, including their leverage and financial ratios compared to sector and industry averages [1] - Professional background checks are conducted on insiders who purchase shares after sell-offs to ensure credibility [1] - Technical analysis is employed to optimize entry and exit points, using multicolor lines for support and resistance levels on weekly charts [1]

Core Insights - Nu Holdings reported Q4 and 2024 earnings results that did not meet investors' expectations, leading to a decline in stock performance [1]. Group 1: Company Performance - The earnings report for Nu Holdings indicated a shortfall compared to market expectations, which negatively impacted the stock price [1]. Group 2: Analyst Perspective - The analysis emphasizes the importance of identifying stocks that exhibit both growth potential and strong financial fundamentals, suggesting a focus on quality investments [1].

Group 1 - The company aims to invest in firms with strong qualitative attributes, purchasing them at attractive prices based on fundamentals, and holding them indefinitely [1] - The investment strategy involves managing a concentrated portfolio to avoid underperformers while maximizing exposure to high-potential winners [1] - The company plans to publish articles on selected companies approximately three times a week, including extensive quarterly follow-ups and constant updates [1] Group 2 - The analyst has a beneficial long position in the shares of NU, indicating confidence in the company's future performance [2] - The article reflects the analyst's personal opinions and is not influenced by any business relationships with the companies mentioned [2]

Core Insights - Nu's stock experienced significant sell-offs, dropping 15.2% during trading after the release of its fourth-quarter results, which met earnings expectations but missed revenue targets [1][2] - The company reported non-GAAP earnings of $0.12 per share on revenue of $2.99 billion, falling short of the $3.17 billion expected by analysts [2] - Year-over-year revenue growth was 24.6%, and the customer base increased by 22% to 114.2 million, indicating strong growth despite the sales miss [3] Financial Performance - Non-GAAP earnings were $0.12 per share, aligning with analyst estimates, while revenue was $2.99 billion, below the expected $3.17 billion [2] - Purchase volume increased to $32.2 billion from $30.9 billion in the previous quarter, indicating strong demand, yet revenue did not meet expectations, suggesting potential pricing power issues [3] Future Outlook - CEO David Vélez indicated that 2025 will be a significant investment year, focusing on expanding infrastructure and customer base, which may impact short-term profitability [4] - The company is prioritizing rapid service adoption in Brazil, Mexico, and Colombia, which could affect near-term profitability but supports long-term growth [5] - The Q4 report showed strong performance in many respects, and the current sell-off may present a buying opportunity for long-term investors [5]

In this video, I will cover Nu Holdings' (NU -15.08%) recent earnings report. Watch the short video to learn more, consider subscribing, and click the special offer link below.*Stock prices used were from the trading day of Feb. 20, 2025. The video was published on Feb. 20, 2025. ...

Nu Holdings Ltd. (NYSE:NU) Q4 2024 Earnings Conference Call February 20, 2025 5:00 PM ET Company Participants Jorg Friedemann - IR Officer David Velez - Founder, CEO and Chairman Guilherme Lago - CFO Youssef Lahrech - President and COO Jag Duggal - CPO Conference Call Participants Jorge Kuri - Morgan Stanley Eduardo Rosman - BTG Pactual Tito Labarta - Goldman Sachs Thiago Batista - UBS Gustavo Schroden - Citi Mario Pierry - Bank of America John Coffey - Barclays Yuri Fernandes - JPMorgan Operator Good eveni ...

Nu Holdings Ltd. (NU) reported $2.99 billion in revenue for the quarter ended December 2024, representing a year-over-year increase of 24.3%. EPS of $0.12 for the same period compares to $0.08 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $3.29 billion, representing a surprise of -9.26%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.12.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and h ...

Nu Holdings Ltd. (NU) came out with quarterly earnings of $0.12 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.08 per share a year ago. These figures are adjusted for non-recurring items.A quarter ago, it was expected that this company would post earnings of $0.10 per share when it actually produced earnings of $0.12, delivering a surprise of 20%.Over the last four quarters, the company has surpassed consensus EPS estimates two times.Nu , which belongs to the Zacks Ban ...

Nu Holdings Ltd. (NU) has delivered impressive performance over the past month. Its stock has surged 19%, significantly outperforming the industry‘s growth of 7.5%.NU’s peers have shown contrasting performances. Banco Santander (Brasil) S.A. (BSBR) gained 12%, while SoFi Technologies (SOFI) declined 2% during the same period.Image Source: Zacks Investment ResearchConsidering the current strength of NU shares, investors may wonder if now is the right time to invest in the stock. Let’s delve deeper.NU: Disrup ...