ElZorro08 @ElZorro08: "📊Portfolio 𝙧𝙚𝙨𝙪𝙡𝙩𝙨📊: 2023 = 72,78 %..."

Slovenia

Edited

📊Portfolio 𝙧𝙚𝙨𝙪𝙡𝙩𝙨📊: 2023 = 72,78 % ✅ 2Y Return = 57,02 % ✅ YTD = 6,03 % ✅ Yesterday, our top holding $NU (Nu Holdings Ltd.) reported earnings for Q4 2023. Results are amazing as expected - the stock represents 38,39% of our portfolio at the moment and we are currently + 𝟭𝟭𝟰% on the position. 💸💸 After the earnings I have decided not to make any changes to the position If you are interested in a summarized report on the earnings, take a look below: $NU (NYSE) - 𝙌𝟰 𝙖𝙣𝙙 𝙁𝙔 𝟮𝟬𝟮𝟯 𝙍𝙚𝙨𝙪𝙡𝙩𝙨 𝙎𝙪𝙢𝙢𝙖𝙧𝙮: 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙋𝙚𝙧𝙛𝙤𝙧𝙢𝙖𝙣𝙘𝙚: - Revenues hit a record high at $2.4 billion, a 57% increase from Q4’22. - Gross profit reached $1.1 billion, an 87% YoY increase. - Net Income for Q4’23: $360.9 million; FY’23: $1.0 billion. - Capital Adequacy Ratios (CARs) double the required minimum. 𝙊𝙥𝙚𝙧𝙖𝙩𝙞𝙣𝙜 𝙃𝙞𝙜𝙝𝙡𝙞𝙜𝙝𝙩𝙨: - Customer base grew by 4.8 million in Q4’23, reaching 93.9 million globally. - Monthly ARPAC: $10.6 in Q4’23, 23% YoY growth. - Nu achieved 61% primary banking relationship status among monthly active customers. - Efficiency ratio improved to 36.0% in Q4’23, showcasing operational strength. 𝘽𝙧𝙖𝙯𝙞𝙡 𝙊𝙥𝙚𝙧𝙖𝙩𝙞𝙤𝙣𝙨: - Customer base in Brazil reached 87.8 million, 53% of the adult population. - Successful scaling of lending business, doubling originations in a year. - Significant strides in gaining share of wallet in the upmarket segment. 𝙄𝙣𝙩𝙚𝙧𝙣𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙀𝙭𝙥𝙖𝙣𝙨𝙞𝙤𝙣: 𝙈𝙚𝙭𝙞𝙘𝙤: Surpassed 5.5 million customers; deposits exceeded $1 billion. 𝘾𝙤𝙡𝙤𝙢𝙗𝙞𝙖: Customer base exceeded 800,000, with plans for accelerated growth. 𝙈𝙪𝙡𝙩𝙞-𝙋𝙧𝙤𝙙𝙪𝙘𝙩 𝙋𝙡𝙖𝙩𝙛𝙤𝙧𝙢: - Product portfolio includes credit cards (41 million users), NuAccounts (69 million users), and personal loans (7 million users). - Over 1 million active insurance policies and 15 million active investment customers. - Substantial progress in the financing space with Pix adoption. 𝙊𝙪𝙩𝙡𝙤𝙤𝙠: Focused on surpassing 100 million customers in 2024. Investments in new growth avenues for continued transformation and profitability. $BAC (Bank of America Corp) $PBR.A (Petroleo Brasileiro ADR) $LLY (Eli Lilly & Co) $BSBR (Banco Santander Brasil SA)

5 Mentioned

Nu Holdings Ltd.

PBR.A

Petroleo Brasileiro ADR

LLY

Eli Lilly & Co

BSBR

Banco Santander Brasil SA