Nu Holdings rated buy as stock dip seen as a long-term buying chance amid strong growth.

Nu Holdings is initiated with a buy rating due to its strong year-over-year customer and financial growth, including 42% revenue increase and improved efficiency. Despite some mixed quarter-over-quarter trends, the company is expanding market share and investing heavily in Brazil. The forward price-to-earnings ratio of 13.83 suggests the market is overly pessimistic. Risks include rising energy costs and credit quality, but AI-driven underwriting and portfolio growth support a positive outlook.