Should I Buy Nubank (NU)? Finance YouTuber Analysis

The analyst believes Nu Holdings is mispriced because the market is punishing it for being in an investment cycle and expanding beyond its core markets, despite its strong track record as the world's largest digital bank in Latin America. He argues that the expansion is strategic and will lead to significant long-term growth, potentially making it a multi-hundred-billion-dollar company.

“Nu to me is also being mispriced right now purely because it is Latin America, purely because it is in a investment cycle, but their track records speak for itself.”

The YouTuber expresses a desire to buy more Nu at current prices, believing that Latin American fintech names like Nu will receive more attention. He notes its current price of $13.61 is just above its 50-day moving average.

“As for the rest here, like I said, I would like to buy more new and I think around these prices here, I wouldn't mind buying more.”

The YouTuber is buying more shares of Nu, viewing the recent 8% drop due to a CFO transition as an opportunity. He argues that Nu is not priced to perfection, has a strong business growing rapidly in its core Latin American markets, and even a small success in its US expansion could significantly impact the business. He maintains conviction in the company's long-term trajectory and CEO's vision.

“So to me, I'm going to buy more shares of new personally because I still believe in a long-term trajectory of this business of the vision of the CEO as well.”

The analyst views Nu Holdings as a buying opportunity despite recent downgrades and concerns about rising credit defaults in Latin America. He notes the company's strong operating cash flow to sales ratio and a significantly more attractive valuation, with the forward P/E ratio at 13.9 and his DCF model suggesting a fair value of $23.70 against a current price of $12.66.

“All things being considered, I do see this as a buying opportunity for New Holdings on the dip here and I reiterated my buy rating for this business on the dip here on June 16th 2026.”

The YouTuber is interested in buying Nubank (NU) due to its current valuation (18.4x P/E, 12.4x forward P/E) despite over 40% revenue and net income growth. He highlights its massive customer base, growing average revenue per active account, decreasing cost to serve, and significant untapped market opportunities in Mexico and the US. The recent CFO resignation, which led to a stock sell-off, is viewed as bullish due to the highly experienced new CFO from Visa.

“I have not purchased any shares of this business quite yet but it is one that I am very interested in and I think is looking very undervalued in the market today.”

The YouTuber identifies NuBank as a potential buying opportunity, believing it to be one of many stocks with strong fundamentals that have been 'left behind' by the market's focus on AI and semiconductors. He suggests that despite the S&P 500 being at all-time highs, there is significant value in such overlooked companies.

“Just take a look at Skyward. Take a look at BAM. Take a look at Mastercard Visa Microsoft even Nvidia. Arguably, Marcato, Libre, New Bank, Meta, Brookfield Corporation, KKR, Apollo.”

The YouTuber holds Newbank, stating it contributes positively to their portfolio's performance. No specific new reasons are given beyond it being a significant holding.

“Auch ASML, Newbank und AMD tragen positiv zur Performance bei.”

The YouTuber considers Nu Holdings (Nubank) an attractive buy, trading at a 22% discount from its all-time high. As a leading fintech in Latin America, Nubank offers digital banking services at low costs, boasting over 114 million customers. The company demonstrates strong scalability and revenue growth, with analysts projecting over 37% annual earnings growth for the next five years. Despite a high P/E of 30.8, the stock is seen as fairly valued, and the YouTuber is considering increasing their position.

“Diese Aktie wird derzeit mit einem hohen Abschlag von 22 % zum Allzeit hoch gehandelt und könnte nun einen einmaligen Einstieg bieten. Das Unternehmen heißt New Holding und ist unter dem Markennamen Newbank als einer der größten Fintech Unternehmen der Welt bekannt.”

The YouTuber bought more shares of Nu Holding, a fintech company active in Brazil, due to its strong customer growth and revenue increase, solving basic financial problems for many. Despite a recent stock price drop due to slowing revenue growth, the company is considered undervalued with a forward P/E of 13.8, offering a good safety margin.

“Ich bin zuversichtlich, dass das Unternehmen die Schätzung erfüllen kann und die günstige Bewertung gibt mir ausreichend Sicherheitsmarge um weitere Anteile zu kaufen.”

The YouTuber sees Nu Holdings, a Brazilian fintech, as a compelling buy due to its low-cost online banking model, superior customer service, and first-mover advantage in Brazil. The company boasts high growth rates (94% revenue growth over 5 years) and continues to add millions of customers, with further expansion into Mexico. With a forward P/E of 20 and a PEG ratio under 1, it appears undervalued given its 57% expected earnings growth.

“Ich bin bisher noch keine Position eingegangen werde aber bei Möglichkeit eine Position aufbauen”