Wall Street calls Nu Holdings a "risky emerging market bank." My math calls it the most mispriced asset in fintech.
I don’t write deeper analysis often. I only do it when the data reveals an asymmetry so obvious that it demands action.
We are currently looking at a Valuation Glitch: The market is selling us a hyper-growth tech monopoly with 40.8% net margins (Visa levels) for the price of a traditional legacy bank (17.79x P/E).
This disconnect won't last.
Because of this asymmetry, I have moved 10% of my personal portfolio into $NU. I am not just watching this trade; I am living it.
In the full report attached below, I prove the thesis with verified data:
The "Impossible" Margins: How Nu's $3.80 cost-to-serve (vs. $22.40 for incumbents) creates a permanent competitive moat.
The 3 Hidden Catalysts: Why Mexico profitability and AI underwriting will drive EPS to $1.10 by 2027.
The Blueprint: My exact entry strategy, position sizing, and the $12.00 "Hard Stop" level.