Should You Buy Nu Holdings Stock Before Feb. 25?

Core Viewpoint - Nu Holdings has experienced significant growth, with its shares rising 350% over the past three years, and is positioned to continue its success in the Latin American financial services market due to a high concentration of unbanked and underbanked citizens [2][3]. Company Performance - Revenue increased by 31% year over year to $11.1 billion through the first nine months of 2025, with a customer base of 127 million, including 60% of the Brazilian adult population and 17 million customers in Mexico and Colombia [3]. - The company reported a net income of $2 billion in the first nine months of 2025, with a monthly average cost to serve a customer of $0.90 and a monthly average revenue per active customer of $13.40 [4]. Strategic Focus - Nu Holdings aims to become AI-first, integrating foundation models into its operations to enhance customer experience and operational efficiency [5]. Market Position and Competition - The company faces competition from established financial institutions like MercadoLibre and Itau Unibanco, which may impact its market share as the Latin American financial landscape evolves [7]. - Nu operates in a developing market, facing unique challenges such as political instability, currency fluctuations, and potential regulatory changes [9]. Investment Considerations - Investors may consider purchasing Nu shares before the Q4 2025 financial results are released on February 25, as this could provide insights into customer growth, revenue, and net income [10]. - The current valuation of Nu, with a forward price-to-earnings (P/E) ratio of 20.7, presents a compelling investment opportunity [11].