Nu Holdings: Why I Remain Constructive Heading Into 2026

2026-02-04 18:24:02 ET

As I've covered in the past, a large part of my structurally bullish thesis for Nu Holdings ( NU ) is based on a few well-established pillars: its unmatched scale and engagement, being the largest digital bank in Latin America with an active and monetizable base; a very low-cost model, with a lean structure, no branches and a cost to serve consistently below US$1 per client; international expansion options, with Mexico and Colombia replicating Brazil's success, these markets being underpenetrated-and recently announced the start of the process to obtain a banking license in the U.S., which could represent long-term potential; cross-selling and diversification, as the bank has the potential to increase its ARPAC (even far behind the incumbent banks in Latin America) through insurance, investment and other types of credit (such as consigned credit) and financial products....

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