Is This Fintech Stock a Millionaire Maker?

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Nu Holdings (NYSE: NU) is simply a ascendant unit successful the banking assemblage successful Latin America, leaning connected its technological prowess and digital-only concern exemplary to service its idiosyncratic base. It ended 2025 with 131 cardinal customers, a sizable fig that has climbed 75% successful the past 3 years. In its location state of Brazil, 62% of the big colonisation is simply a customer.

Nu's fantastic occurrence successful Brazil is carrying implicit to different markets arsenic well. The concern has 14 cardinal customers successful Mexico (entered successful 2019) and 4 cardinal successful Colombia (2020), some comparatively newer countries for Nu. These figures person grown rapidly since launch, which intelligibly indicates the request from citizens for the products and services Nu offers.

What's more, the institution plans to commencement operations successful the U.S. adjacent year, aft it received conditional support for a nationalist slope charter. It would beryllium silly to presume that Nu tin execute the aforesaid benignant of monster maturation successful the U.S. that it has successful Latin America, though. The fiscal services manufacture present is not arsenic prone to disruption arsenic ones successful the countries Nu serves.

Nonetheless, the maturation trajectory is eye-popping. Nu's gross accrued astatine a compound yearly complaint of 49% betwixt the 4th fourth of 2022 and Q4 2025. This surely played a origin successful the banal terms rising 234% successful the past 36 months (as of April 10).

From my perspective, it's incredibly uncommon for investors to find businesses that tin crook them into millionaires. I don't deliberation Nu is going to get your nett worthy into the seven-figure club. And that's not a problem. The champion investors effort to physique diversified portfolios that tin execute good implicit the agelong term, producing dependable gains on the way.

This doesn't mean Nu should beryllium wholly discarded. In fact, this mightiness beryllium 1 of the astir breathtaking opportunities successful the marketplace today. That's due to the fact that the valuation is compelling, with shares trading astatine a guardant price-to-earnings ratio of 17.8, helped by the stock's 20% diminution from its January peak.