Nubank vs Apollo

Nubank and Apollo Asset Management Inc are compared here to show how their business models, financial performance, and market context differ and align, presented in neutral, accessible language for readers seeking clarity. Educational content, not financial advice.

Nubank and Apollo Asset Management Inc are compared here to show how their business models, financial performance, and market context differ and align, presented in neutral, accessible language for re...

Comparison Snapshot

Key Financial Metrics

NU

Metric

APO

$87.75B

Market Cap

$77.31B

N/A

Potential Profit

34.17%

N/A

Analyst Rating

Buy

Why It's Moving

Nu Holdings Hits All-Time High as Shares Surge on Fresh Analyst Optimism and Global Brand Push

Stock touched all-time high of 18.38 USD, signaling strong market conviction in Nu's ability to capture underserved banking customers across Latin America.
Multi-year partnership with Mercedes-AMG PETRONAS F1 Team kicks off in 2026, boosting international brand visibility to Formula 1's massive global audience.
Goldman Sachs reiterated Buy rating with $21 target, while BofA raised its target to $18 post-investor meetings, highlighting promising 2026 growth outlook.

Sentiment:

🐃Bullish

Apollo gears up for pivotal Q4 earnings reveal and CFO spotlight at UBS conference.

Q4 earnings set for Feb. 9 before market open, with 8:30 AM ET webcast—analysts expect results signaling strength in private credit and equity amid $908B AUM.
CFO Martin Kelly's UBS fireside chat on Feb. 10 offers fresh insights into deal flow and growth, building on recent refinancings and portfolio wins.
Moderate Buy consensus prevails with average target above $165, as recent sector deals highlight Apollo's active capital solutions despite mixed stock reactions.

Sentiment:

⚖️Neutral

Nu Holdings Hits All-Time High as Shares Surge on Fresh Analyst Optimism and Global Brand Push

Stock touched all-time high of 18.38 USD, signaling strong market conviction in Nu's ability to capture underserved banking customers across Latin America.
Multi-year partnership with Mercedes-AMG PETRONAS F1 Team kicks off in 2026, boosting international brand visibility to Formula 1's massive global audience.
Goldman Sachs reiterated Buy rating with $21 target, while BofA raised its target to $18 post-investor meetings, highlighting promising 2026 growth outlook.

Sentiment:

🐃Bullish

Apollo gears up for pivotal Q4 earnings reveal and CFO spotlight at UBS conference.

Q4 earnings set for Feb. 9 before market open, with 8:30 AM ET webcast—analysts expect results signaling strength in private credit and equity amid $908B AUM.
CFO Martin Kelly's UBS fireside chat on Feb. 10 offers fresh insights into deal flow and growth, building on recent refinancings and portfolio wins.
Moderate Buy consensus prevails with average target above $165, as recent sector deals highlight Apollo's active capital solutions despite mixed stock reactions.

Sentiment:

⚖️Neutral

Investment Analysis

Nubank

NU

Pros

Nu Holdings has demonstrated strong revenue growth, with a 48.7% year-on-year increase in 2024, driven by expanding customer bases in Latin America.
The company maintains a leading position in digital banking across Brazil, Mexico, and Colombia, benefiting from high customer engagement and low-cost operations.
Nu Holdings is profitable, reporting $1.97 billion in earnings for 2024, reflecting efficient cost management and scalable business models.

Considerations

Nu Holdings trades at a high valuation, with a forward P/E ratio above 23 and a price-to-sales ratio significantly above sector averages.
The company's growth is concentrated in emerging markets, exposing it to currency volatility, regulatory changes, and macroeconomic instability.
Nu Holdings does not pay a dividend, limiting income appeal for investors seeking regular returns.

Apollo

APO

Pros

Apollo Asset Management benefits from a diversified global asset base, providing exposure to multiple alternative investment strategies and geographies.
The firm has a strong track record in generating high fee-related earnings and deploying capital in private equity, credit, and real assets.
Apollo maintains a robust balance sheet with significant liquidity, supporting strategic acquisitions and resilience during market downturns.

Considerations

Apollo's performance is closely tied to market cycles, making earnings vulnerable to downturns in credit and equity markets.
The company faces intense competition from other large asset managers, which can pressure fee margins and asset growth.
Regulatory scrutiny on alternative asset managers has increased, potentially impacting operational flexibility and profitability.

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