The digital bank is seeking to expand into new locations.Modern finance is changing, and small digital banks are squeezing into untapped white space. Will some of these neobanks end up breaking through the barriers separating them from the large established banks? Many of them are making strides in making a real change.Take Nu Holdings (NU 1.48%). It's just over a decade old, but it has already onboarded more than 60% of the adult population in Brazil to its platform. It's taking its momentum and bringing i ...

An updated edition of the October 27, 2025 article.Money is moving faster, smarter and increasingly without cash. Mobile payments are reshaping money flows across a connected global economy, with smartphones, tablets, and wearables replacing physical wallets at the point of sale. As digital transactions gain ground, reliance on ATMs is steadily declining, including in regions once considered cash-heavy. What began as a simple convenience has matured into a powerful financial ecosystem that blends speed, tru ...

Nu Holdings Ltd. (NYSE:NU) is one of the 14 Most Promising Fintech Stocks to Invest In. On December 4, TipRanks reported that Goldman Sachs analyst Tito Labarta reaffirmed a Buy rating on Nu Holdings Ltd. (NYSE:NU) with a price target of $21. Earlier, on November 25, BofA Securities increased its price target on Nu Holdings Ltd. (NYSE:NU) from $16 to $18 and reiterated a Neutral rating on the stock. This update came after investor meetings in New York and Boston with the company’s Investor Relations Offic ...

Nu Holdings Ltd. ( NU ) is a well-run Brazil-based Fintech platform with considerable growth momentum across key metrics such as revenues, customers and net income. In the third fiscal quarter, the Fintech platform continued to do well forAnalyst’s Disclosure:I/we have a beneficial long position in the shares of NU either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha ...

Nubank (NYSE: NU), which claims to be one of the world’s largest digital financial services platforms, has recently announced the launch of its Subscription Manager tool, centralizing all of Nubank clients’ recurring charges in a single place. Internal Nubank data collected from Oct 2024 to Oct 2025 shows that “approximately 21 million clients have an active subscription, with an average monthly spend of R$ 101 per person and an average ticket of R$ 38 per transaction.”As noted in the update from Nubank, st ...

Nu Holdings Ltd. (NYSE:NU) showcases a strong financial position with a Return on Invested Capital (ROIC) of 14.58%, outperforming its Weighted Average Cost of Capital (WACC) of 11.56%.StoneCo Ltd. (STNE) leads in efficiency with an impressive ROIC of 38.53% against a WACC of 10.70%, indicating superior capital management.SoFi Technologies, Inc. (SOFI) and others show challenges in generating returns above their cost of capital, highlighting the competitive and varied landscape of digital banking platforms. ...

If you'd like to learn more about how to best position yourself in under valued stocks mispriced by the market to start December, consider joining Out Fox The Street .Stone Fox Capital is an RIA from Oklahoma. Mark Holder is a CPA with degrees in Accounting and Finance. He is also Series 65 licensed and has 30 years of investing experience, including 15 years as a portfolio manager. Mark leads the investing group Out Fox The Street where he shares stock picks and deep research to help readers uncover potent ...

Nu Holdings ( NU ) is overlooked by investors because the valuation at a 28 P/E seems really pricey for a bank, and for many Western investors, LatAm is synonymous with deep value investing, not growth, so theyI focus on thematic investing, crisis investing, systematic options trading through both premium selling and long-vol positions, and discretionary global macro. I have experience with private M&A along with many years of publicly-traded equities and equity-based derivatives trading experience.Analyst’ ...

文章核心观点 - 投资者应确保投资组合多元化，配置成长股以获取强劲收益，并配置优质价值股以抵御市场波动 [1] - Alphabet、Nu Holdings和台积电是三支在2026年及以后能提供强劲增长机会的股票 [2] Alphabet (GOOG) - 公司业务多元化，远不止谷歌搜索引擎，产品和服务列表广泛，并在人工智能发展方面拥有顺风 [4] - 作为成长股，其估值相对便宜，市盈率为32倍，高于标普500平均水平及其自身近期平均水平 [4] - 谷歌搜索是使用最广泛的互联网搜索引擎，占据约90%的市场份额，为数百万日常用户提供巨大优势 [6] - 公司开发了强大的Gemini大语言模型，为搜索者生成有价值内容，并向云服务客户提供Gemini及其他多种生成式AI工具 [6] - 谷歌云在全球云服务中排名第三，次于亚马逊AWS和微软Azure，但其增长率与微软持平，且百分比增长快于AWS [6] - 公司还拥有包括手机和自动驾驶汽车在内的硬件等多个业务部门 [7] - 伯克希尔哈撒韦公司在第三季度建仓了Alphabet [7] Nu Holdings (NU) - 公司是一家全数字化金融服务提供商，拥有大量顺风，2025年股价上涨了61% [7] - 在总部所在地巴西，其服务已覆盖超过60%的人口，管理层认为通过交叉销售和向上销售，该客户群仍有巨大货币化潜力 [8] - 公司刚刚开始在墨西哥和哥伦比亚开展业务，这两个国家与巴西共同构成拉丁美洲三大国家，为其长期增长铺平道路 [8] - 公司有在美国等新地区开拓业务的重大雄心 [10] - 其市盈率仅为32倍（基于过去12个月收益），考虑到其增长和长期前景，这是一个很好的价格 [10] 台积电 (TSM) - 公司为几乎所有类型的投资者提供了绝佳选择，拥有巨大的增长前景和稳固成熟的商业模式，能从多元化趋势中受益 [11] - 公司为英伟达和Alphabet等公司设计半导体进行制造，不仅受益于强劲的AI顺风，还生产用于智能手机、自动驾驶汽车等技术的芯片，业务受单一技术被取代的风险较小 [11] - 公司盈利能力极强，2025年第三季度营业利润率为50.6%，每股收益增长39% [13] - 公司股票并不昂贵，市盈率为30倍，是这三支股票中最便宜的，为明年股价上涨提供了更大空间 [13] 市场与估值数据 - 截至年底前三周，标普500指数表现强劲，上涨近17% [1] - Alphabet当前股价为318.62美元，市值38340亿美元，日交易区间315.45-319.51美元，52周区间142.66-328.67美元，成交量168,000股，平均成交量2300万股，毛利率59.18%，股息收益率0.32% [5][6] - Nu Holdings当前股价为16.64美元，市值800亿美元，日交易区间16.47-16.73美元，52周区间9.01-17.84美元，成交量185,000股，平均成交量4000万股，毛利率0.00% [9][10] - 台积电当前股价为305.99美元，市值15730亿美元，日交易区间302.56-306.39美元，52周区间134.25-311.37美元，成交量185,000股，平均成交量1300万股，毛利率57.75%，股息收益率0.95% [12][13]

Joining us right now is New Bank's CEO David Veles. Good morning to you. Um, this really is a a big move for you guys and I I wonder whether it wonder what it portends um in in a larger way for where you're trying to go here.>> Thank you, Andrew. Well, this is really the continuation of the thesis that we've been executing for 12 years since the beginning of the company in Brazil in 2013. Our view is that financial services will go through the same transformation that all industries across the world have go ...