The market has a land trip so far in 2025, and S & P 500 I entered for a short period Correction area Last week before he swings in a reserve. For new investors, this may be a frightening time. But experienced investors know that not only this equality for the course, there is a silver lining: you can find excellent shares at great prices.
Now holders (New York Stock Exchange: Now) The market performance was during the past year, as it rose less than 1 % while the S&P 500 increased by 10 %. However, it started to wear. Is it the time to buy?
Nu provides digital banking and financial services in Brazil, Mexico and Colombia. It has been carved a place by opening it in a large entry into an entry barrier for bank customers, and the members are withdrawn for the ease of use Nu. They are strong semester growth reports, and the areas where they work still have little digital money, giving it a healthy runway.
In the fourth quarter of 2024, revenues increased by 50 % throughout the year neutral, and net income increased from $ 360.9 million to $ 552.6 million. The cost of service remained stable in the quarter over the quarter at $ 0.80 per customer, which is more than $ 0.90 in the previous year.
Nu was originally created to meet the needs of the collective population who were unable to reach the expensive Brazilian banking system, but it picks up anyone looking for a better banking experience. Although it already has 58 % of the Brazil's adult population as customers, it continues to add a million new members per month, and it uses 61 % of its monthly Nu as a basic bank account. Nu is now the third largest bank in Brazil in terms of organs, but there is greater growth in Brazil. For example, Ultravioleta customers, the service of wealthy consumer, increased by 132 % on an annual basis, but the number is still small at 688,000.
Nu's has a humble presence in Mexico and Colombia, where it was launched after Brazil and still does not have full operations. A high -rate savings account has been put in place in these two markets that attract new members, and growth is faster than Brazil. The year 2024 ended with 10 million customers in Mexico, an increase of 91 % on an annual basis, or 12 % of the adult population. Under the line, there are many other neighboring countries that can enter NU that have no ideal FindCy solutions.
Now Warren Pavite stocksAlthough it is not perfectly proportional to the classic Buffett template, because it is a young growth stock. He loves the bank shares, but there is another noticeable thing about the Nu mentioned by Buffett several times, which is very important in a great work: a great return on stock (ROE). The low -head Nu model make high profits, and Roe's Nu 28 % was in 2024, putting it at the highest level of financial institutions around the world.
So why did the shares of Nou stop? There is no clear reason, such as low management predictions or limited growth capabilities. It is a mixture of factors that terrified the market, and the good news is that it looks short -term. There were some things that happened at the same time, such as Berkshire Hathaway Selling part of its location and high economic volatility in Brazil.
Nu shares still decrease by 26 % of the last high levels, and it looks very attractive at the current price. It is traded at a price rate for one year for only one year, which is an excellent deal for high -growth growth arrival.
The road to long -term gains is likely to be rugged, so if you buy today, do not expect a bowl of gold overnight (although there is definitely the possibility of Nu shares recovery soon). Nu has a great opportunity in the market, and expands its business through leaps and limits. If you hold it for a few years, I think you will be well assembled.
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*The stock consultant dates back from March 18, 2025
Jennifer Saibel He has jobs in Nu Holdings. Motley is a lie that has positions in and recommends the Hathaway. Motley recommends a Nu Holdings. Motley deception has Disclosure.
It's time to buy Dip on Nu shares? It was originally published by Motley Fool