When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important? Before we discuss the reliability of brokerage recommendations and how to use them to your advantage, let's see what these Wall Street heavyweights think about Nu Holdings Ltd. (NU) . Nu currently has an average brokerage recommendation (ABR) of 1.63, on ...

Justin Lambert/DigitalVision via Getty Images Yesterday Nu Holdings (NYSE:NU) announced its Q1 2024 earnings results, and after listening to the earnings call, I reiterate my conviction and rate this company with a strong buy. In this analysis, I will briefly guide you through the business profile of Nu, to later discuss the things I liked and didn't like about the earnings release and how this new EPS data moves the PE multiple of the company. Nu Business Profile To briefly recall, Nu Holdings is a conglom ...

财务数据和关键指标变化 - 公司在第一季度实现了强劲的收入增长,收入达到27亿美元,同比增长64% [16] - 毛利润超过12亿美元,同比增长76%,毛利率达到43.2% [17] - 净利润增长160%至3.79亿美元,调整后净利润增长136%至4.43亿美元,体现了公司业务模式的强大 [17][18][19][20] 各条业务线数据和关键指标变化 - 巴西客户净增长保持强劲,达到每月130万新增客户,总客户数达到9180万 [14][15] - 墨西哥业务增长再次加速,新增客户150万,总客户数达到660万 [15] - 信用卡业务在墨西哥的表现出色,已超过300万信用卡客户,市场份额达到6.1% [24] - 墨西哥存款余额超过23亿美元,占总存款的12% [26][27] 各个市场数据和关键指标变化 - 墨西哥业务在多个关键指标上已超越巴西同期表现,如客户数、信用卡客户数和存款余额 [23][24][26] - 墨西哥业务在第一季度贡献了1.49亿美元收入,而巴西同期为9900万美元 [27] 公司战略和发展方向及行业竞争 - 公司在2024年的四大重点是:1)在墨西哥实现可持续和盈利增长;2)在巴西加快信贷业务发展;3)在巴西高收入群体中拓展业务;4)推出新技术驱动的产品和服务 [13] - 公司认为墨西哥市场存在巨大机会,因为当地银行业的利润主要来自存款业务而非信贷,这为公司带来了颠覆性机会 [138][139][140] - 公司正在积极推进在墨西哥的银行牌照申请,以提升产品和服务能力 [187][188][189] 管理层对经营环境和未来前景的评论 - 管理层对公司在第一季度的表现感到非常满意,认为业务模式展现了强大的增长和盈利能力 [12][18][20] - 管理层对墨西哥业务的前景非常乐观,认为该市场存在巨大的颠覆性机会 [138][139][140] - 管理层表示,尽管仍有挑战需要克服,但对业务模式在新市场的复制感到非常兴奋 [28] 问答环节重要的提问和回答 问题1 **Mario Pierry 提问** 提问了公司在资产质量方面的策略,为何在行业整体趋于谨慎的情况下,公司仍在大幅增加风险敞口 [162][163][164][165][166][167] **Youssef Lahrech 回答** 回答称公司的目标是最大化每笔贷款的净现值,而非单纯降低不良贷款率,会根据测试结果谨慎扩大风险敞口 [163][164][165][166][167] 问题2 **Jorge Kuri 提问** 询问了个人贷款业务的增长情况,尤其是公司推出的工资贷款和FGTS提前支取贷款 [119][120][121][122][123][124][125][126][127][128][129] **Guilherme Lago 和 David Velez 回答** 回答称个人贷款业务增长强劲,其中工资贷款和FGTS贷款占比已达90%,公司正在积极拓展这些业务 [123][124][125][126][127][128][129] 问题3 **Neha Agarwala 提问** 询问了在利率上升和经济活动放缓的背景下,公司是否会更加谨慎地控制贷款投放 [191][192][193][194][195] **Youssef Lahrech 回答** 回答称公司在承接风险时会确保在好坏时期都能实现正净现值,会根据实际情况适当调整贷款投放速度 [192][193][194][195]

Nu Holdings Ltd. (NU) came out with quarterly earnings of $0.09 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.04 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this company would post earnings of $0.09 per share when it actually produced earnings of $0.08, delivering a surprise of -11.11%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Nu , which belongs to the Za ...

Wall Street expects a year-over-year increase in earnings on higher revenues when Nu Holdings Ltd. (NU) reports results for the quarter ended March 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the stock ma ...

Nu Holdings Ltd. (NU) ended the recent trading session at $11.76, demonstrating a -0.25% swing from the preceding day's closing price. This move lagged the S&P 500's daily gain of 0.17%. On the other hand, the Dow registered a gain of 0.32%, and the technology-centric Nasdaq decreased by 0.03%. Heading into today, shares of the company had gained 2.08% over the past month, outpacing the Business Services sector's loss of 2.38% and the S&P 500's gain of 0.17% in that time. The investment community will be pa ...

Brazilian digital bank Nubank now has more than 100 million customers. The company announced the achievement in a Wednesday (May 8) press release, saying it was the first digital banking platform to mark this milestone outside of Asia. “In 2013, we had set ourselves the ambitious goal to reach 1 million customers in five years, which seemed almost impossible at the time,” Nubank founder and CEO David Vélez said in the release. “In a decade, we have surpassed 100 million, which is a testament to the trust ou ...

Nu Holdings Ltd. (NU) ended the recent trading session at $11.99, demonstrating a -0.08% swing from the preceding day's closing price. The stock's performance was behind the S&P 500's daily gain of 0.13%. At the same time, the Dow added 0.08%, and the tech-heavy Nasdaq lost 0.1%. Heading into today, shares of the company had gained 0.08% over the past month, outpacing the Business Services sector's loss of 2.34% and the S&P 500's loss of 0.35% in that time. The investment community will be paying close atte ...

Given the stock market’s volatility, you’d want to consider the investing principles of Warren Buffett or Benjamin Graham rather than Cathie Wood. The stocks embodying Cathie Wood’s disruptive investing spirit led Mr.Market to record gains, but that’s not what the market’s looking for now. Therefore, it’s perhaps an opportune time to snag undervalued Cathie Wood stocks offering superb upside potential. Over the past decade, Cathie Wood has emerged as one of the most influential investing gurus. As the drivi ...

经纪推荐和股票评级 - 投资者通常会参考华尔街分析师的推荐[1] - Nu目前的平均经纪推荐（ABR）为1.63，介于1到5之间，表示强烈买入和买入之间[2] - 12家经纪公司的推荐中有8家是强烈买入，占所有推荐的66.7%[3] - 经纪公司的推荐可能存在强烈的正面偏见，不一定能准确指示股票价格的走势[5] Zacks Rank评级 - Zacks Rank是一个可靠的股票评级工具，将股票分为五组，从Zacks Rank 1（强烈买入）到Zacks Rank 5（强烈卖出）[7] - ABR和Zacks Rank虽然都是1到5的评级，但它们是两种完全不同的衡量标准[8] - Zacks Rank是根据盈利预期修订设计的量化模型，而ABR是基于经纪推荐计算的[9] - 经纪公司的分析师往往过于乐观，而Zacks Rank则更注重盈利预期修订[10] - Zacks Rank的评级与盈利预期修订趋势强相关，能更好地预测股价走势[11] Nu股票分析 - ABR和Zacks Rank在新鲜度方面也有区别，Zacks Rank更及时地反映了经纪分析师的盈利预期修订[13] - Nu的盈利预期保持不变，可能导致股票在短期内与整体市场表现一致[15] - Nu的Zacks Rank为3（持有），建议对其买入等价的ABR持谨慎态度[16]