NU vs PYPL

Nu Holdings (NU) maintains its high conviction rating, demonstrating continued strong execution and market leadership in Latin America's digital finance sector. Q4 2025 earnings significantly beat estimates with 62.5% YoY revenue growth and robust profitability, including an 18.19% net margin and 30.68% ROE. The company's strategic focus on financial inclusion, superior user experience, and expans...

PayPal, despite its solid financial health (2025 FCF $5.6B, operating margin 18.7%), faces significant headwinds hindering any prospect of 10x growth within 3-5 years. The core 'branded checkout' TPV growth of 1% in Q4 2025, coupled with projected 2026 revenue growth of only 3% and EPS decline, is far from exponential. The sudden termination of CEO Chriss, withdrawal of 2027 guidance due to 'opera...