NU Holdings

$Celsius(CELH.US) -16% pre-mkt after reporting 2Q Revs and Adj EPS that missed WS estimates. CELH does not offer forward guidance.

$NU Holdings(NU.US) Nu Holdings reported a 42% year-over-year revenue increase and reached a customer base of 135 million by Q1 2026, while shares currently trade at $14.09. The stock is considered 38% undervalued compared to its fair value of $22.74, though it carries a higher P/E ratio than its peers, suggesting potential valuation compression if sentiment shifts. Investors should monitor Brazil's credit quality and currency fluctuations, as these factors could affect the company's growth narrative and stock performance. Moreover, I remain long term bullish on Nu. They are one of the fastest growing fintech companies with low operating costs while continuing to increase revenue and margins. If they are able to continue expanding market share in South America, I believe the potential to hit newer highs is still there. @Captain's Treasure

$NU Holdings(NU.US)NU continues to strengthen its position as one of the fastest-growing digital banks in Latin America. Despite recent market volatility, the company’s fundamentals remain solid, supported by rapid customer growth, expanding profitability, and continued investment in AI-driven banking services.

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- Q2 earnings expected to show continued customer and revenue growth.

- 130M+ customers with rising monetization per active user.

- Filed for a U.S. banking license, opening a potential new growth market.

- Heavy investments in AI, infrastructure, and new financial products.

- ESG initiatives and stronger cybersecurity enhance long-term competitiveness.

The combination of strong revenue growth, expanding ecosystem, AI investments, and U.S. expansion provides a compelling long term story. If earnings confirm continued execution, current weakness could present another opportunity to accumulate rather than chase higher prices. Patience and disciplined position sizing remain important

$NU Holdings(NU.US) Nubank, a leading digital financial institution in Latin America, has agreed to acquire Banco Porto Real, enhancing its service offerings for over 115 million customers in Brazil. This acquisition, pending Central Bank approval, aligns with regulatory requirements and will integrate Banco Porto Real's banking license into Nubank's existing operations without adding capital or liquidity pressures. Nubank aims to expand its market share while maintaining its commitment to innovative, customer-centric financial services, having already significantly increased access to banking solutions for millions of Brazilians. Nu has recovered nicely since the last earnings, currently hovering around the $13 range. Let's see if the upcoming earnings can propel the stock higher. @Captain's Treasure

$NU Holdings(NU.US) Nu Mexico has received authorization from the National Banking and Securities Commission (CNBV) to begin operations as a bank. With more than 15 million customers, Nu will become the largest digital bank in the country. This authorization consolidates the model Nu has built in the country: simple, transparent, innovative, 100% digital, and customer-focused. Nu is building a new way of delivering financial services in Mexico, one truly centered on people. Mexico is a key market for Nubank, and this is a decisive step in their long-term commitment to the country, with a total projected investment of USD 4.2 billion through 2030. @Captain's Treasure

$NU Holdings(NU.US) | JPMorgan 𝐫𝐚𝐢𝐬𝐞𝐬 𝐏𝐓 on 𝐍𝐮 𝐇𝐨𝐥𝐝𝐢𝐧𝐠𝐬 to $𝟐𝟎 from $𝟏𝟖, maintains 𝐎𝐯𝐞𝐫𝐰𝐞𝐢𝐠𝐡𝐭

$NU Holdings(NU.US) Nubank emerged as Brazil's leading primary financial institution, with approximately 30% of the population relying on its services to manage salaries and payments according to a recent NPS Prism report. The company plays a crucial role in increasing financial inclusion, particularly in "banking deserts" where physical branches are scarce, banking nearly 31.5 million Brazilians. Nubank's influence extends to regions with lower GDP, contributing significantly to credit availability and enabling consumers to save R$134.7 billion in fees and charges, showcasing its transformative impact on financial accessibility. Nubank's inclusion in the US market will be very competitive, but I believe its low cost operations could rake in more profits. @Bridge Buzz SG

$NU Holdings(NU.US) Needham analyst Kyle Peterson initiated coverage of Nu Holdings with a Buy rating and a $17 price target. The report highlights the neobank's strong position in Latin America, serving over 135 million customers, and its planned US expansion within 12 months, which could unlock substantial value. Nu's 'low and grow' strategy targets unbanked populations, driving rapid customer acquisition and revenue growth through interest and fees. Nu saves substantial costing through digital banking while still offering great customer service in South America - an aspect to watch out for if they can replicate the same thing in America. @Bridge Buzz SG

$NU Holdings(NU.US) Nubank is gaining investor interest after unveiling two new AI-driven financial models: NuFormer and AI Private Banking. NuFormer serves as an AI-powered financial assistant for managing credit and spending, promoting financial inclusion while supporting long-term revenue growth. The model is currently being utilized in Nubank's major credit segment in Brazil and is set to expand into personal loans and other markets, including Mexico and Colombia. The stock has been trading between $11 and $13 for the past 2 months, with resistance closely monitored at $13. If it is able to push past that number, I believe the stock can attempt to climb back to its 52 week high. @Bridge Buzz SG

$Celsius(CELH.US) | Bernstein SocGen Group reiterates 𝐎𝐮𝐭𝐩𝐞𝐫𝐟𝐨𝐫𝐦 on 𝐂𝐞𝐥𝐬𝐢𝐮𝐬 𝐇𝐨𝐥𝐝𝐢𝐧𝐠𝐬, maintains 𝐏𝐓 𝐚𝐭 $𝟒𝟒

📢 𝐉𝐔𝐒𝐓 𝐈𝐍: $NU Holdings(NU.US) Nu Holdings Ltd.: Announces US$1.0 Billion Share Repurchase Program

Stephen Mandel - Lone Pine Capital

$NU Holdings(NU.US) Nu Holdings reported record first-quarter revenue of $5 billion and record net income of $871 million, with customer growth and ARPAC expansion continuing to drive earnings power. The company said its customer base surpassed 135 million, including 115 million in Brazil and 15 million in Mexico, while monthly activity remained strong at 83%. Besides, Nu announced that they are going to rebuild AI around banking, targeting US customer base as the trial target group. However, this earnings was not good enough for Wall Street given how weak the FinTech sector is right now. Regardless, I believe Nu is currently undervalued and is way below analysts targeted price and hence will be adding some more shares. @Bridge Buzz SG

AMAT Earnings LIVE: Applied Materials Q2 2026 Results, Call & Reaction + NU, FIG & DLO

【Week 4 - Opened a new position in Celsius】

Celsius has been down over 50% from its ATHs while continuing to dominate the energy drink sector. Energy drink maker Alani Nu, which was acquired last April, helped fuel Celsius' overall growth, with pro forma revenue jumping 60% to $368 million. The company also saw $67 million in sales from its recently acquired Rockstar brand, another line of energy drinks. Revenue from the flagship Celsius brand, meanwhile, returned to growth, up 6%. Overall, company sales surged 138% to $782.6 million. Meanwhile, retail sales increased by 29.8%. Celsius brand retail sales were up 6%, while Alani Nu retail sales doubled. However investors are fearful due to compressed gross margins as well as slowing growth. This drove the stock lower, and right now it is only trading card about 21x earnings estimates which is rather attractive to start a new position. Now it is all about patience as the stock begins to recover. @Bridge Buzz SG

$Celsius(CELH.US) +6% today on stronger than expected 1Q earnings, driven by distribution gains from recent acquisitions Alani Nu (targeted toward women) and Rockstar (targeted toward men). 2027 rev and eps ests appear to be turning positive, and the stock has never sold at such a cheap forward P/E (20x) or EV/Ebitda (14x) relative to long-term forward growth (rev +8%, EBITDA +10%, EPS +15%).

【Week 2】Reviewing my FinTech Stocks

#My Portfolio Health Check

I've been holding 2 Fintech Stocks for some time now, Sofi & NU. Let's talk about the former first. I've been adding the dips since it started dropping from high 20s to the current price right now. Quarter after quarter they have been meeting and slightly beating expectations but yet the stock always take a big hit right after. Good but not great enough to excite Wall Street seems to be the theme for Sofi. On the other hand, NU is the slow and steady compatriot. It is less volatile and doesn't crash insanely. Ofc that also means when it rises, it would be a crazy shot to the moon. Both holdings are currently still down but I'm still holding for long. Fundamentals are still solid for now and I'll monitor. @Bridge Buzz SG

【Day 2】Capitalising on Fintech sector

#MyInvestmentDiary

Operation: Looking to add NU at $15 and below.

Insights: The Fintech has been hit hard and oversold imo since the start of the year. NU is the leading digital banking service in North America and trading at a reasonable 25 p/e ratio. Forward earnings look optimistic too.

@Bridge Buzz SG