Welcome back to another week of market analysis! Today, we'll be diving into some exciting developments surrounding Tesla, Grab, and NuBank.
Tesla and the Trump Effect
Trump's Support for Self-Driving Cars
Tesla recently experienced a significant surge, with its stock price climbing over 5%. This boost is attributed to news suggesting that the Trump team plans to ease regulations for self-driving cars. This move is seen as beneficial for Tesla, considering Elon Musk's close ties to the former president.
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Trump's transition team intends to prioritize federal frameworks for fully self-driving vehicles.
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This initiative aligns with the Republican party's focus on reducing excess regulations.
Implications for Uber and Grab
The news of Trump's support for Tesla's self-driving efforts caused Uber's stock to drop. A viewer asked why Grab, the Southeast Asian ride-hailing service, did not see similar effects, despite the FSD news for Tesla. Grab's operations are primarily in Southeast Asia, where road conditions and traffic patterns are less predictable than in the United States. This makes it more difficult for self-driving technology to be implemented in the short term. Also, the geographical market being the US, directly impacts Uber more.
Grab Analysis
Grab's Performance and Growth Potential
Grab is a leading provider of ride-hailing and financial services in Southeast Asia. It is a combination of Uber, Uber Eats, and PayPal. Despite the advancements in self-driving technology, Grab's business is expected to remain relatively unaffected in the near term due to the unique challenges of Southeast Asian traffic.
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Grab has a low market penetration rate in Southeast Asia, indicating significant growth potential.
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Grab's recent surge in stock price, with some viewers wondering if my audience followed the advice, I would like to say that one person's influence would not move the market. The channel is not designed to pump stocks for others.
Addressing Common Misconceptions
It's important to clarify that this channel is not intended to be used for "pumping" stocks. Instead, the goal is to share interesting investment ideas and personal holdings. The recent increase in Grab's stock price is likely due to broader market factors rather than any direct influence from this channel.
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The intention of the channel is not to push any stock.
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I invested the companies because of my belief.
NuBank: A Deep Dive
Recent Financial Performance
NuBank, a South American digital bank, recently released its earnings report. This led to a stock decline, prompting a review of the company's financial health and future prospects.
Key Metrics and Growth
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User Growth: NuBank added 5.2 million users, bringing its total customer base to 110 million. The year-over-year growth rate is 20.7 million.
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Revenue Growth: Revenue grew by 56% year-over-year. While still significant, this represents the slowest revenue growth in recent quarters.
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Profitability: The net income margin reached 30%, an all-time high, which is similar to the big banks in America.
Deposit Growth and Delinquency Rates
NuBank is experiencing rapid growth in deposits across Brazil, Mexico, and Colombia. The delinquency rate for loans overdue by 15-90 days has improved, while the rate for loans overdue by more than 90 days has slightly increased.
Expansion into Colombia
NuBank's expansion into Colombia is proving successful, with the customer base reaching 2 million users in just a few quarters. The quarter-over-quarter growth rate in Colombia exceeds 50%.
Marketing Efficiency
Despite increased marketing expenses, NuBank has managed to control its overall operating expenses. This indicates that the company is acquiring new users efficiently, largely through word-of-mouth referrals.
Future Outlook and Valuation
While NuBank's revenue growth is slowing, the company's profitability remains strong. Based on current valuation models, NuBank appears to be reasonably priced and offers potentially good return in the future. I will continue to hold it.
Final Thoughts on NuBank
While individual investment decisions are always a personal choice, the view here is that NuBank remains a worthwhile investment at its current price.
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