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NUBEARISHFLIPPEDYET ANOTHER VALUE PODCAST · BULLISH IN AUGUST → BEARISH IN AUGUST

Nubank as Capital One 2006, not 1994

The host raised a bear case that Nubank may be analogous to Capital One in 2006 - a maturing fintech facing slower growth and ROE compression - rather than its high-growth early days.

YET ANOTHER VALUE PODCAST CHANGED ITS VIEW

BULLISH FOR 0 DAYS, THEN THE TURN
THEN17 AUG · BULLISHThe guest argued Mexico represents a second Brazil-sized growth opportunity for Nubank, with early metrics showing stronger traction than Brazil had at a comparable stage.NOW17 AUG · BEARISHThe host raised a bear case that Nubank may be analogous to Capital One in 2006 - a maturing fintech facing slower growth and ROE compression - rather than its high-growth early days.

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NOT INVESTMENT ADVICE · A SUMMARY OF WHAT WAS SAID ON THE PODCAST · VERIFY AGAINST THE SOURCE