Seeking Alpha
12 Nov 2026, 10:40 UTC · 46m ago
Nu Holdings: Why Rising Delinquencies Aren't Concerning Me (Earnings Preview)
Impact · against what's priced in
The article provides no new material catalyst for Nu Holdings, as it merely reiterates a bullish thesis regarding customer segmentation that the market is currently discounting. The 6.9% delinquency rate is already factored into the price as a permanent feature of the maturing loan book.
- NU+0.00
Already priced in
- The price assumes
the current baseline of credit losses... as a permanent feature of the maturing loan book
The reported 6.9% delinquency rate is explicitly listed as a baseline the price already accounts for. The author's argument that primary user conversion could mitigate this risk is a bullish view that the market currently declines to pay for.
What NU's price assumes · Aug 27
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