CapexAndChill

CapexAndChill@CapexAndChill

$NU is just in another league in Brazil against incumbents. The gap continues to widen.

tweeted Thu, Sep 3 · counted from Fri, Sep 4 close

CapexAndChill@CapexAndChill

Still early for $NU. This is also like a multiplier for $MELI

tweeted Tue, Sep 1 · counted from Wed, Sep 2 close

CapexAndChill@CapexAndChill

To achieve a 24/7 reliable grid without dispatchable thermal or nuclear energy, the market requires an order of magnitude more renewable capacity than is currently modeled. This suggests that existing dispatchable baseload like Vistra’s nuclear and gas fleets possess an

tweeted Mon, Aug 31 · counted from Tue, Sep 1 close

CapexAndChill@CapexAndChill

Nu Mexico is executing Brazil's playbook at a faster pace: "...we also participate in opening new markets. As the bank looks for new countries, we evaluate these new countries, the new opportunities, and see what the similarities or differences are compared to Brazil, and also to

tweeted Sun, Aug 30 · counted from Mon, Aug 31 close

CapexAndChill@CapexAndChill

The more I dug into Nu this past quarter, the clearer it was that the market is essentially not even pricing in the opportunity for Mexico or Colombia. Even if Nu never entered another country, Brazil's core credit and secured lending growth provides years of structural runway.

tweeted Sun, Aug 30 · counted from Mon, Aug 31 close

CapexAndChill@CapexAndChill

In my latest update on Nu I project the potential revenue growth that Nu Mexico could expect over the next 5 years. We are looking at anywhere from a 3x to over a 7x. Mexico could easily account for over a fifth of Nu’s revenue in just five years from now and thats with the

tweeted Sun, Aug 30 · counted from Mon, Aug 31 close

CapexAndChill@CapexAndChill

Just last year Velez mentioned how early the opportunity in Brazil is: "While we have one of the largest, if not the largest fully digital consumer base in Brazil, we still only have something like 3% of revenues... So while it might seem that we're big, we're actually tiny."

tweeted Sun, Aug 30 · counted from Mon, Aug 31 close

CapexAndChill@CapexAndChill

Buy businesses with management that live by these words and sleep at night easy: "I believe that in the long run, culture is the great competitive advantage of any organization." $NU

tweeted Sat, Aug 29 · counted from Mon, Aug 31 close