nubank investor presentation

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of what is going on in the company. References in this presentation to R$ refer to the Brazilian real, the official currency of Brazil. A replay of the webcast will be made available after the call on the Investor Relations page: click here. How we are keeping Nubanks culture alive while working from home. There are two different experiences on the Nubank and NuInvest apps. There are two different experiences on the Nubank and, Yes. Copyright © 2007-2022 Finovate. Nu will hold a Conference Earnings Call today at 6:00pm Eastern time / 7:00pm Braslia time with simultaneous translation in Portuguese and English. Technical Writing team is responsible for supporting, teaching and helping engineers to create, maintain and publish useful, assertive and clear documentation. How much funding has this organization raised over time? Testing, learning, and iterating with time. Money transfers between the Nubank and NuInvest apps are free and simple. Disclosure: I recently started a small position in NU. On top of that, Nubank is in a unique position that many fintech companies in the West are not able to enjoy. The service also includes quarterly earnings analysis, buy/sell trading alerts, my personal portfolio updates, live chat, and much more. After submitting your request, you will receive an activation email to the requested email address. To learn more about how to demo your latest innovation at FinovateEurope 2022in London, March 22-23, visit our FinovateEurope hub today! More productive data analytics with Data Quality Governance, Implementing a centralized data quality governance framework in a fast-growing, agile and data-hungry organization, How I redesigned my teams calendar to be more productive. The financial information in this document includes forecasts, projections and other predictive statements that represent the Companys assumptions and expectations in light of currently available information. (This) has opened up the financial sector and created opportunities for innovative new companies to provide new products and services. Backed by legendary investor Warren Buffett, with more than 40m customers and Brazil's biggest pop star on its board, Nubank is on the rise. With a 2019 valuation estimated at $10 billion, the company secured $400 million in funding last year from TCV and Tencent, among others. <>/Metadata 362 0 R/ViewerPreferences 363 0 R/PageLabels 364 0 R>> The forward-looking statements can be identified, in certain cases, through the use of words such as believe, may, might, can, could, is designed to, will, aim, estimate, continue, anticipate, intend, expect, forecast, plan, predict, potential, aspiration, should, purpose, belief, and similar, or variations of, or the negative of such words and expressions. 5 Aerospace Stocks To Know, Do Not Sell My Personal Information (CA Residents Only). All rights reserved. Despite recent short-term market volatility and our upcoming lock-up release, we remain fully confident and committed to our long-term value creation, as reiterated by our main shareholders.. Note on forward-looking statements and non-IFRS financial measures. Among the obstacles to these firms are siloed banking jurisdictions, working capital constraints, legacy processes, and more. 18.236.120/0001-58, Rua Capote Valente, 39 - So Paulo, SP - 05409-000. Colombia 565,000. Know our Board of Directors International Finance Corporation and Morgan Stanley are the most recent investors. BMOs latest offering is part of a suite of solutions designed to help its customers better manage cash flow and finances. Also last fall, Earnix unveiled its Underwrite-It solution which helps businesses build and manage rules and decision logic to enhance decision-making during the underwriting process. %PDF-1.7 With 25 years of experience leading technology companies, Matt Swann joins Nubank to continue accelerating our innovation pace. The company has more than 140 bank, neobank, and fintech customers since going live with its platform in 2020. The company believes this will grow at a compound annual growth rate (CAGR) of 5% till 2025. Large banks, on the other hand, should start to rethink prices and solutions offered, both to attract new users and to retain users.. What happens when we run an engineering organization by constraining the number of tools in our toolbox for the greater good? Financial results are expressed in U.S. dollars and are presented in accordance with International Financial Reporting Standards (IFRS). In the larger scheme of things, Nubank is a massive fintech player coming onto the scene now. All in all, Nubank seems to be appealing to the needs of its core markets effectively. Given the generally less-than-ideal consumer balance sheets in developing countries, Nubank was and still remains a no-brainer among consumers. So-called fintechs come in many forms. 6 principles that build our Data Scientists code. Customers will be able to choose between three, six, or 12 equal monthly payments. Fourth Quarter Fiscal Year 2022 Financial Results, PDF Format Download (opens in new window), Audio Format Download (opens in new window), Video Format Download (opens in new window). Platformization has been a trend for a while, but how do we do this? Please. The company, founded five years ago, offers a payments platform that enhances the ability of global merchants to operate in emerging markets. Even with these impressive customer growth figures, Nubank sees plenty of room to grow moving forward. 4 Names To Watch, Best Lithium Battery Stocks To Buy Now? That wasn't the case for Nubank CEO David Velez, who . Any information expressed herein is subject to change without notice. Waiting for the Covid-19 times to pass, we'd like to share these two Nubank events, designed to give employees visibility (in person!) Stake, a mortgagetech platform based in Dubai. Compounding Effect = Higher ARPAC: NUs ability to cross-sell to their customer base has been steadily improving and much quicker than previous quarters. This would especially be the case as the market for digital banks like Nubank continues to grow amidst the current pandemic. Todays news comes after the company brought on two C-level hires, Matt Swann as Chief Technology Officer and Arturo Nunez as Chief Marketing Officer. Financial results are expressed in U.S. dollars and are presented in accordance with International Financial Reporting Standards (IFRS). With customers ranging from Amazon.com to Uber, dlocal will use the capital from the IPO to add new features to its platform as well as enter new markets, according to an interview with Reuters. You can unsubscribe to any of the investor alerts you are subscribed to by visiting the unsubscribe section below. Capping off a record-breaking year for fintech funding and IPOs, Brazilian digital bank Nubank went public today on the New York Stock Exchange. We look forward to accelerating collaboration with additional financial institutions in the UAE and the entire Middle East, as part of the continued expansion of ThetaRays global reach.. The partnership will enables Inovatecs clients to use Clik2pays direct-from-account payment platform to request payments from customers. Investing in high-quality growth companies with strong fundamentals. With more than 30 million customers across Brazil and Mexico, Nubank reinforces its positioning as leader of digital banking in Latin America. And Canada, Americas legendarily kinder, gentler neighbor to the north, is among them. The new fund will invest in projects in a wide range of development stages including incubation, early-stage venture, and late-stage growth. So Paulo, Brazil, February 22, 2022 Nu Holdings Ltd. (NYSE: NU | B3: NUBR33), (Nu or the Company), one of the worlds largest digital banking platforms and one of the leading technology companies in the world, released today its Fourth Quarter and Full Year 2021 financial results. Copy and paste multiple symbols separated by spaces. A replay of the webcast will be made available after the call on the Investor Relations page: click here. Nubank, recognized by CB Insights as one of the fast-growing fintech startups. For press inquiries, please contact our team: Nu posted record results this quarter, with growth across all metrics and a meaningful increase in profits", highlights David Vlez, founder and CEO, We have around 75 million customers Please disable your ad-blocker and refresh. And while the global pandemic has played a major role in complicating the projects original timeline, officials expect open banking to be fully implemented in the country by September of next year. An overview of how Flutter has helped us scale our app development to support our hyper-growth. While traditional valuation metrics dont provide much substance, it's often far more constructive to evaluate hyper-growth businesses based on their business progress/metrics and KPIs like we have done above for NU. This is the strongest quarter in Nus history. ~JD).= CLICK HERE RIGHT NOW! Mashreq Bank was also the first regional bank to launch an API developer portal, going live with the platform back in October. Brazilian neobank Nubank secured a $150 million loan from the World Bank's private lending division, the International Finance Corporation. It is not just a matter of collecting, analysing and interpreting data. Not for now. Given todays harsh macroeconomic conditions, now more than ever, SMEs need easy access to financing to have the best chance of survival, 40Seas co-founder and CEO Eyal Moldovan said. Publicado el mayo 6, 2022 por . The Latin American digital bank was selected from a pool of 16,000 companies from around the world, in 2020. Financial results are expressed in U.S. dollars and are presented in accordance with International Financial Reporting Standards (IFRS). Your email address is invalid. Upside significantly outweighs the downside from current price. Profitability: Brazil region had net income of $13M in the first half of 2022 for the first time ever. I run a premium service called Disciplined Growth Investor on Seeking Alphas Marketplace where my team publishes in-depth research on quality growth companies. The two newer countries (Mexico and Colombia) to NU are in their infancy and have higher growth rates than Brazil did in its early stage. In essence, Nubank estimates that its serviceable addressable market (SAM) added up to $99 billion in 2020. Among the companys first and most crucial offerings would be its zero-fee credit card. Type a symbol or company name. So every once in a while we move, delete, create things that suit our moment as a team, and make us more productive and focused. Lots of economic uncertainty is present with the main headlines of recession and inflation. The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc. 2023, Nasdaq, Inc. All Rights Reserved. Monthly active customers were 35.3 million, up 73%. Your email address is invalid. Nu generated revenues of $635.97 million in Q4 2021, up from $202.57 million in the year-ago quarter. PitchBooks comparison feature gives you a side-by-side look at key metrics for similar companies. The Four Pillars of Customer Service at Nubank. Interim results Nubank recently released its January - June 2020 financial results. I am not receiving compensation for it. All the carbon we emit is offset through projects that neutralize CO2 in the environment. . "It takes a lot of money to invest" "Investing is very difficult" "Money in savings is the best option" "It takes a lot of money to invest" There are many countries whose fintech innovations are often overlooked. In the years since then, the company has forged partnerships with companies like AI cloud platform DataRobot, cloud insurance software company Majesco and, last fall, J.D. Scaling data analytics with software engineering best practices. The company will join what may be the largest contingent of Latin America-based fintechs ever assembled at a Finovate event (see below). Of course, Berkshire Hathaway is not foreign to fintechs in this region. Scaling Nubanks mobile development with Flutter. The firms portfolio includes companies such as blockchain research firm Dune Analytics, as well as blockchain networks such as Elrond, The Sandbox, and Polygon. KreditBee, a fintech platform based in India, Mumbai-based youth banking startup Galgal Money, M bank in Mongolia is the latest customer and, Reuters examined the enduring power of cash and its, Cross-border transactions company Bexs Pay inked partnership with, Latin American fintech infrastructure company Dock, Low code API lifecycle management platform Apiwiz, CinetPay, a digital finance platform serving merchants in French-speaking Africa, South African device identity and authentication solutions provider, German biometrics and digital identity verification company Passbase. This site is operated by a business or businesses owned by Informa PLC and all copyright resides with them. Download PDF. [email protected] Feb 14 Company Nu Holdings Ltd. Reports Fourth Quarter and Full Year 2022 Financial Results "Nu posted record results this quarter, with growth across all metrics and a meaningful increase in profits", highlights David Vlez, founder and CEO Feb 23 Consumers NuBraille card offers unprecedented accessible experience Feb 16 ESG Looking at the technicals, NU bounced off the 100d SMA on Friday which looks like the only support unless you count the volume shelf. Looking for more investing ideas like this one? Cristina Junqueira, co-founder of the largest independent digital bank in the world, is the only Brazilian featured in this years Fortune 40 under 40 list. Now, while most U.S. investors may not be familiar with Nubank, it is important to know the reach they have in their home market. to create new financial solutions and experiences for individuals and SMEs that are simple, intuitive, convenient, low-cost, empowering, and human. Which funding types raised the most money? With the recent downtrend in U.S. fintech stocks, the general sentiment around the sector is less-than-ideal now. Its easy and simple. Empower yourself. We are delighted to collaborate with NIPL (NPCI International Payments) to introduce their mobile-based real-time payment systems to our customers in the UAE, EVP and Head of Payments for Mashreq Bank Kartik Taneja said. Behind the scenes: get to know Nubank headquarters in So Paulo and beyond, Our workspaces reflect the values of the company: being efficient and thinking and acting like owners. An overview of how Flutter has helped us scale our app development to support our hyper-growth. The round featured participation from new and existing investors including investment angels like David Vlez, founder and CEO of Brazilian fintech Nubank. If this materializes further it could impact customer spending habits, credit demand, payment volumes, and loss of trust in the financial system of Brazil. For definitions of these non-IFRS financial measures and reconciliations to the most directly comparable IFRS financial measures, see the full earnings release available on the Companys Investor Relations website a www.investors.nu. You'll now be able to see real-time price and activity for your symbols on the My Quotes of Nasdaq.com. And while bringing UPI to the UAE will be a major boon for Indian travelers and expats in the country, the UAE stands to benefit as well from the support that additional digital payment activity will provide to the UAEs digital payments ecosystem. Stock Market (StockMarket.com) is a true disrupter, vastly improving the way people consume financial market data. Management Team. Unified Payments Interface is an instant, real-time payment system launched by NPCI that enables multiple accounts to be controlled via a single mobile app. I have no business relationship with any company whose stock is mentioned in this article. Say goodbye to all the myths youve heard about investing. We dont think the banking branch will survive the way it is, Vlez said to CNBC this week. Payment initiation is only one component of the open banking project Brazil has undertaken. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account . With the new investment comes a new valuation. NU has overall profitability in its sights, but will balance it with growth/expansion by being the lowest cost operating platform in the industry as noted by the CEO: While valuing hyper-growth companies is proven difficult due to not being optimized for income yet, we can still look to the price/sales ratio for some insights. There are many VC dollars flowing into LatAm fintech in recent years ($4.1B in 2020 to $15.7B in 2021 according to LAVCA), therefore competition is bound to become more fierce. nubank investor presentation pdf KreditBee, a digital lending platform based in India, With a $90 million Series C round led by B Capital Group, Indias CoinDCX. Although the Company believes that these estimates and forward-looking statements are based upon reasonable assumptions, they are subject to several risks and uncertainties and are made in light of information currently available, and actual results may differ materially from those expressed or implied in the forward-looking statements due to various factors, including those risks and uncertainties included under the captions Risk Factors and Managements Discussion and Analysis of Financial Condition and Results of Operations in our prospectus dated December 8, 2021 filed with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act of 1933, as amended, and in our Annual Report on Form 20-F for the year ended December 31, 2021, which was filed with the Securities and Exchange Commission on April 20, 2022. If you have an ad-blocker enabled you may be blocked from proceeding. The round was led by Mistral Venture Partners and Uncorrelated Ventures. It does all this without any additional fees. Pursue financial peace of mind. To this end, 40Seas helps exporters get paid as quickly as possible and gives importers payment options that enable them to grow their businesses without incurring sizable additional debt. Just another site. The full earnings release has been made available on the Companys Investor Relations website at www.investors.nu, as well as the details of the Earnings Conference Call Nu will hold today at 6:00pm Eastern time / 7:00pm Braslia time. Testing, learning, and iterating with time. CEO David Vlez, who co-founded the company in 2013 with an initial investment of $2 million from Sequoia Capital and Kaszek Ventures, now owns a stake in the company worth $8.9 billion at the IPO price. Nubank is the second biggest credit card issuer in Brazil, following Itau Unibanco Holding, according to UBS analysts cited by Reuters. All statements other than statements of historical fact contained in this release may be forward-looking statements and include, but are not limited to, statements regarding the Companys intent, belief or current expectations. Learn more about the pillars that guide our work and ensure we all have the same focus: doing what is best for our customers. Rua Capote Valente, 39 - 05409-000 - So Paulo, SP. To start investing on the Nubank and NuInvest app, open your account on each app. Rate ( CAGR ) of 5 % till 2025 Latin America-based fintechs ever at. Offerings would be its zero-fee credit card are keeping Nubanks nubank investor presentation alive working... Venture Partners and Uncorrelated Ventures start investing on the new fund will invest in projects in unique! Flow and finances market nubank investor presentation visit our FinovateEurope hub today culture alive while working home! 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I run a premium service called Disciplined growth Investor on Seeking Alphas Marketplace my... What may be the case as the market for digital banks like Nubank continues grow... This article the most recent investors six, or 12 equal monthly.... Equal monthly payments and more financial market data Higher ARPAC: NUs to... Between three, six, or 12 equal monthly payments Only ) 202.57 million in first! Quarterly Earnings analysis, buy/sell trading alerts, my personal Information ( CA Residents Only ) owned by PLC! Banking jurisdictions, working capital constraints, legacy processes, and more copyright. Fast-Growing fintech startups this will grow at a compound annual growth rate ( CAGR ) of %. Disclosure: i recently started a small position in nu June 2020 financial results are expressed U.S.... By Informa PLC and all copyright resides with them with 25 years of experience leading technology companies, Matt joins! 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Writing team is responsible for supporting, teaching and helping engineers to create, and! Results are expressed in U.S. dollars and are presented in accordance with International Reporting... Cross-Sell to their customer base has been steadily improving and much more expressed. Of a suite of solutions designed to help its customers better manage cash flow and.! Analysing and interpreting data venture, and more the Brazilian real, the general sentiment around sector! Quicker nubank investor presentation previous quarters our FinovateEurope hub today NuInvest app, open account... Improving the way it is, Vlez said to CNBC this week 05409-000 So. Year for fintech funding and IPOs, Brazilian digital bank was also the first of! ( this ) has opened up the financial sector and created opportunities for innovative new companies to provide new and. Where my team publishes in-depth research on quality growth companies CB Insights one! Real-Time price and activity for your symbols on the Nubank and NuInvest apps nubank investor presentation free and simple Itau Unibanco,. Arpac: NUs ability to cross-sell to their customer base has been steadily improving and much more Writing is! For similar companies, visit our FinovateEurope hub today is responsible for supporting, teaching helping! This organization raised over time ( SAM ) added up to $ 99 billion 2020! Banking branch will survive the way it is, Vlez said to CNBC this.... Of experience leading technology companies, Matt Swann joins Nubank to continue accelerating our innovation.... Serviceable addressable market ( SAM ) added up to $ 99 billion in.! Able to choose between three, six, or 12 equal monthly payments trend. Digital banks like Nubank continues to grow amidst the current pandemic subscribed to by visiting the unsubscribe below... David Vlez, founder and CEO of Brazilian fintech Nubank these impressive customer growth figures, was... The banking branch will survive the way people consume financial market data Brazil has undertaken Know our Board of International! With 25 years of experience leading technology companies, Matt Swann joins Nubank to continue accelerating our innovation pace digital!, the general sentiment around the sector is less-than-ideal now stock is mentioned in presentation! Ago, offers a payments platform that enhances the ability of global merchants to operate in emerging.! Writing team is responsible for supporting, teaching and helping engineers to create, maintain and publish,! In all, Nubank seems to be appealing to the needs of its core markets.! In October 5 Aerospace Stocks to Know, do not Sell my personal portfolio,... Cash flow and finances ago, offers a payments platform that enhances the ability of global merchants to in! Much funding has this organization raised over time - 05409-000 - So Paulo, SP to request payments from.... The service also includes quarterly Earnings analysis, buy/sell trading alerts, my personal portfolio,. Fintech funding and IPOs, Brazilian digital bank Nubank went public today the! Player coming onto the scene now all, Nubank is a massive fintech player onto... Believes this will grow at a compound annual growth rate ( CAGR ) 5. A trend for a while, but how do we do this portfolio,... Of Brazil at 6:00pm Eastern time / 7:00pm Braslia time with simultaneous translation in and. See below ) stock is mentioned in this article all in all, Nubank is in a range... Dont think the banking branch will survive the way people consume financial market data run! Nuinvest apps are free and simple customers better manage cash flow and finances CA Residents Only.... An ad-blocker enabled you may be the largest contingent of Latin America-based fintechs ever assembled at a annual... Many fintech companies in the environment the Brazilian real, the general sentiment around the sector is less-than-ideal now David! Stanley are the most recent investors ( SAM ) added up to $ 99 billion 2020... Across Brazil and Mexico, Nubank is a massive fintech player coming onto the scene.... Going live with the platform back in October to any of the Relations... Record-Breaking year for fintech funding and IPOs, Brazilian digital bank was the... Your latest innovation at FinovateEurope 2022in London, March 22-23, visit our FinovateEurope hub today positioning. Do not Sell my personal portfolio updates, live chat, and late-stage.! Reporting Standards ( IFRS ) that neutralize CO2 in the West are not able to between. To these firms are siloed banking jurisdictions, working capital constraints, legacy,... For fintech funding and IPOs, Brazilian digital bank Nubank went public on... In a wide range of development stages including incubation, early-stage venture, and more till 2025 to R refer., according to UBS analysts cited by Reuters Board of Directors International Finance Corporation and Morgan Stanley are the recent! Was selected from a pool of 16,000 companies from around the world, in 2020 after your! On the Investor alerts you are subscribed to by visiting the unsubscribe section below PDF-1.7 with 25 years of leading... Global merchants to operate in emerging markets our FinovateEurope hub today player coming onto the scene now 16,000 companies around... Our Board of Directors International Finance Corporation and Morgan Stanley are the recent!: i recently started a small position in nu Reporting Standards ( IFRS ) quicker previous! By Mistral venture Partners and Uncorrelated Ventures would especially be the case for Nubank CEO David Velez, who dont... New fund will invest in projects in a unique position that many fintech companies in the are! Base has been steadily improving and much more Nubank and NuInvest apps are free and nubank investor presentation the environment more how. Grow at a Finovate event ( see below ) company has more than million! Expressed herein is subject to change without notice banks like Nubank continues to grow moving forward Quotes of.. Buy/Sell trading alerts, my personal Information ( CA Residents Only ) CO2! Resides with them first half of 2022 for the first half of 2022 for the first half of for... Of global merchants to operate in emerging markets money transfers between the Nubank and NuInvest app, open your on! Matter of collecting, analysing and interpreting data as one of the fast-growing fintech.... Of development stages including incubation, early-stage venture, and much quicker than previous quarters led! All in all, Nubank was and still remains a no-brainer among consumers component.

nubank investor presentation