How Nu Holdings’ Push for a Brazilian Bank License and U.S. Expansion (NU) Has Changed Its Investment Story

Simply Wall St.12-14

Nu Holdings’ Nubank recently explored acquiring a small, already-licensed bank in Brazil while continuing to roll out new products and expand across key Latin American markets and into the U.S. This ...

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a Brazilian Bank License and U.S. Expansion (NU) Has Changed Its Investment Story\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-12-14 12:34 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/how-nu-holdings-push-for-a-brazilian-bank-license-and-us-exp><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Nu Holdings’ Nubank recently explored acquiring a small, already-licensed bank in Brazil while continuing to roll out new products and expand across key Latin American markets and into the U.S. This ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-nu/nu-holdings/news/how-nu-holdings-push-for-a-brazilian-bank-license-and-us-exp\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0214875030.USD","symbol_name":"HSBC GIF BRIC EQUITY \"M2C\" (USD) 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potential bank acquisition and wider geographic push highlights how Nu is trying to deepen monetization of its large, existing customer base. We’ll now examine how Nu’s pursuit of a Brazilian bank license via acquisition could influence its investment narrative and long-term growth assumptions. Find companies with promising cash flow potential yet trading below their fair value.Nu Holdings Investment Narrative RecapTo own Nu Holdings, you need to believe that its digital-first model can keep scaling across Latin America and beyond while managing credit and regulatory risks. The reported hunt for a licensed Brazilian bank looks additive, but it does not materially change the near term focus on sustaining profitable growth while keeping bad loans, already elevated at 8.1 percent, under control in a higher regulatory spotlight. The most relevant recent development here is Nu’s application for a U.S. national bank charter, paired with its pending full bank authorization in Mexico. Together with a possible Brazilian bank acquisition, these moves could accelerate product breadth and deposit gathering, but they also increase oversight and complexity at a time when the stock already trades at a premium earnings multiple relative to traditional banks. Yet behind the rapid expansion and strong recent profitability, investors still need to be aware of how quickly tighter regulation or rising credit losses could… Read the full narrative on Nu Holdings (it's free!)Nu Holdings' narrative projects $33.0 billion revenue and $6.1 billion earnings by 2028. This requires 78.1% yearly revenue growth and a $3.8 billion earnings increase from $2.3 billion today.Uncover how Nu Holdings' forecasts yield a $18.43 fair value, a 9% upside to its current price.Exploring Other PerspectivesNU 1-Year Stock Price Chart Simply Wall St Community members have 26 fair value estimates for Nu, ranging from about US$10.44 to US$20.76 per share, underscoring how far opinions can differ. Against that backdrop, Nu’s push to secure bank licenses across Brazil, Mexico and the U.S. could be a powerful earnings catalyst, but it also raises the stakes on regulatory and credit execution that readers may want to compare across several viewpoints.Explore 26 other fair value estimates on Nu Holdings - why the stock might be worth 38% less than the current price!Build Your Own Nu Holdings NarrativeDisagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.A great starting point for your Nu Holdings research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision.Our free Nu Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Nu Holdings' overall financial health at a glance.Interested In Other Possibilities?The market won't wait. These fast-moving stocks are hot now. Grab the list before they run:The best AI stocks today may lie beyond giants like Nvidia and Microsoft. Find the next big opportunity with these 26 smaller AI-focused companies with strong growth potential through early-stage innovation in machine learning, automation, and data intelligence that could fund your retirement.We've found 13 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free.The end of cancer? These 29 emerging AI stocks are developing tech that will allow early identification of life changing diseases like cancer and Alzheimer's.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Mobile Infrastructure for Defense and DisasterThe next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.Get the investor briefing before the next round of contractsSponsored On Behalf of CiTechValuation is complex, but we're here to simplify it.Discover if Nu Holdings might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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