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Dave Kovaleski, The Motley Fool
Sun, April 26, 2026 astatine 3:35 PM CDT 4 min read
Financial stocks person been deed beauteous hard this year, arsenic the assemblage is conscionable 1 of 2 (healthcare is the other) that is trading successful the reddish twelvemonth to date. That makes it a large spot to find opportunities to put successful bully companies with stocks trading astatine a discount.
One of those good, inexpensive stocks to see is Nu Holdings (NYSE: NU). Nu Holdings is simply a Brazil-based neobank, offering integer and online banking services successful Brazil, Colombia, Mexico, and soon, the United States. It operates nether the Nubank brand.
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The banal terms is down astir 13% truthful acold successful 2026 and is trading astatine conscionable $14.61 per share. Its inexpensive introduction terms and debased valuation marque it a bully campaigner for investors looking to bargain shares of a cheap, undervalued fintech banal with beardown semipermanent maturation potential.
Nubank has been astir since 2013, but it didn't spell nationalist until 2021. Since then, the banal has had dependable growth, averaging astir an 8% instrumentality connected an annualized ground implicit the past 5 years.
It was founded successful Brazil connected the thought that radical would clasp integer banking connected their smartphones, filling a void successful the marketplace. It started retired offering a no-fee integer recognition paper and soon expanded to full-service integer banking. Some 13 years later, the founders person been proven right, arsenic the institution has rapidly expanded its lawsuit base.
In the astir caller quarter, Nubank added 4 cardinal caller customers, bringing its full to 131 million. That is 15% higher than the erstwhile year. It is the largest slope successful Brazil by fig of customers, and the largest recognition paper issuer successful Mexico.
The institution saw gross ascent 45% and nett income surge 45% successful 2025, with a instrumentality connected equity of 33%. That's precocious for a bank, wherever a bully ROE is astir 15%. That is due to the fact that of its digital, asset-light model, which has a monthly mean outgo of $0.80 per lawsuit and a debased ratio ratio of 19.9%. This means it spends lone that percent for each dollar of revenue.
Along with its accelerated maturation and unthinkable ratio successful Latin America, Nubank volition soon beryllium expanding into the U.S. In January, the institution got conditional support from the Office of the Comptroller of the Currency to motorboat Nubank N.A. successful the United States. It inactive needs a fewer much approvals, but the OCC support is immense and puts Nubank N.A. connected a way to motorboat sometime successful 2027 successful the U.S.
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