@BeginnerInvestor has done a great job regarding NU and has provided various information :).
I didn’t notice any mention that during Q4, Warren’s Berkshire Hathaway had reduced its position by approximately 53%!
So, on Monday, one could expect some kind of dip again, which could offer an entry point if one has wanted to get in. 
This was indeed an interesting company! It wasn’t familiar to me before (I might have heard it mentioned in passing sometimes), but Sequoia made a podcast episode and an article about this a few weeks ago.
I need to listen to it, but the summary, in my opinion, had an excellent observation about the reasons for the company’s success - if you treat the customer better than competitors (really well) in a conservative industry where they are not used to it, then it can be a surprisingly big competitive advantage (because such a culture is really difficult to implement if it’s missing).
Customer love is the ultimate moat: Nubank was founded on a simple insight: customers want to be treated well. David found a large market dominated by a few companies who treated customers badly. By obsessing over customer experience and consistently choosing customer interests over short-term profits, Nubank built an emotional connection that became their strongest competitive advantage
Hi!
Do you happen to have a source for this bit of humor? I couldn’t find this information anywhere myself.
And BTW, on Monday (i.e., tomorrow) the US stock markets are closed, so we’ll be watching on Tuesday 
https://hedgefollow.com/funds/Berkshire+Hathaway
I was looking from there myself .
Ah, right… The US markets don’t open until Tuesday
Thanks!
The only thing I was wondering is, has information about this easing only come out recently? For example, this weekend? Or how could that easing affect the price right now?
Delivered on Friday, information that arrived, as I understand it, after the stock market closed (at least previously it came just as the markets were closing)!
e. I’ll also add BH’s ownership amounts quarterly, so it doesn’t turn into a complete chat!
Last time BH’s sale was announced (Q3), NU’s stock price dipped -7% on the same day. I predict the same will happen again.
The company recorded 50 percent annual growth and expanding margins, but it did not, however, achieve strong revenue and EPS results; in addition, quarterly growth was almost at zero, which surprised the markets.
Here are some highlights:
Here’s a nice visualization of Nu and Q4
https://x.com/EconomyApp/status/1892689459147145423
Here you can easily compare how the company performed:
https://x.com/StockMarketNerd/status/1892684496878666233
Indeed, the slide at the end of the year was quite significant. When currency changes move in tens of percentages, reported results can vary very strongly.
I’m still spamming this here.
Here’s a fresh tweet thread about Nu Holding, quite a good one.
https://x.com/thexcapitalist/status/1892971409804067287
Sometimes the dip is a buying opportunity? 
Or how did that go? 
This too has actually been so volatile historically that such corrections of a few tens of percent can be considered almost normal 
The company’s share price, by the way, follows the real very slavishly. If someone finds a suitable screener, they can post it, but I couldn’t find one quickly. If, for example, we look at every significant dip from last year, almost every one of them can be linked almost to the day with a rapid change in the real’s value. In the long term, the real has steadily declined against the dollar, which is good to be aware of when making investment decisions. Short-term changes can very well be buying opportunities as markets try to bake in a risk premium.
Here’s a tweet discussing the company’s growth potential, including what could be found in Mexico.
I apologize for the somewhat trivial comment, but whenever something like this is said "It can easily triple the revenue even if it doesn’t expand into a fourth market soon." a red flag goes up for me regarding the writer. If this were easy, it would surely have been done already.
It is certainly true that there are growth opportunities in Mexico and the situation there seems to be progressing excellently.
(January 21, 2025)
In a country where 42% of the population does not have access to financial services, Nu has allowed around 50%of its customers to access credit and 63% to earn yields over their savings for the first time, according to data from the Nu Impact study.
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The tweet below mentions the 2027 Forward PE being 8.5x and sales growth is expected to be 37 percent, which, according to the tweeter, makes the stock cheap.
More rationale can, of course, be found in the tweet
Here are a few points raised about Nu Holding. The tweet highlights its very low costs per customer, which seems to have been achieved largely with the help of AI.
https://x.com/wolfofharcourt/status/1898348299066957964
Problems, constable? Cheap or high risks and… big losses 
https://x.com/BourbonCap/status/1899288437166838202
https://x.com/BenMartin661251/status/1899303973225369698
Here’s another tweet thread about Nu Holdings; largely the same theses are repeated as by others. There are some minor new insights or slightly different perspectives compared to the previous one, though. Overall, however, nothing particularly groundbreaking.
https://x.com/MMMTwealth/status/1900882606280917232
The article below highlights how Nubank’s latest earnings release revealed significant future goals; the company plans to expand beyond Latin America and develop services alongside its core banking operations. This was the first time that expansion into a global player was clearly mentioned.
At the same time, Nubank is apparently making progress in conquering the wealthier customer segment through its Ultravioleta service; an area where many other digital banks have failed. Growth remains strong, but according to the article, the strategic direction is now clearly more ambitious.
