{"id":254420,"date":"2022-04-28T11:36:21","date_gmt":"2022-04-28T14:36:21","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=254420"},"modified":"2022-04-30T20:05:54","modified_gmt":"2022-04-30T23:05:54","slug":"nubank-nubr33-ubs-compra-preco","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-ubs-compra-preco\/","title":{"rendered":"Nubank (NUBR33) tem \u00edndice de inadimpl\u00eancia melhor do que a m\u00e9dia e valuation atrativo, diz UBS"},"content":{"rendered":"<p>Vendo o pre\u00e7o das a\u00e7\u00f5es dividir ao meio, o UBS recomenda a compra dos pap\u00e9is do <strong>Nubank<\/strong> (<a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/bdrs\/nubr33\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">NUBR33<\/a>) na NYSE, citando um cr\u00e9dito n\u00e3o produtivo (NPL) na melhor condi\u00e7\u00e3o da hist\u00f3ria da fintech.<\/p><div class=\"videoFull \">\n\t\t\t<div class=\"videoWrapper yt-lazyload center\"\n\t\t\t\tdata-width=\"960\"\n\t\t\t\tdata-height=\"540\"\n\t\t\t\tdata-id=\"i684SRJ5Smg\"\n\t\t\t\tdata-alt=\"V\u00eddeo do YouTube - clique para reproduzir\"\n\t\t\t\tdata-logo=\"3\"\n\t\t\t\tdata-imagequality=\"maxres\">\n\t\t\t<\/div>\n\t\t<\/div><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"VideoObject\",\"name\":\"NUBR33 | COMO ENCONTRAR EMPRESAS BARATAS | Buffett + @Nubank\",\"description\":\"\ud83d\udca1 {\ud835\udfd1\ud835\udfd1% \ud835\udc0e\ud835\udc05\ud835\udc05} Invista com intelig\u00eancia e ganhe 1 ano gr\u00e1tis em nossas principais assinaturas! + \ud835\udc0f\ud835\udc11\ud835\udc04\ud835\udc12\ud835\udc04\ud835\udc0d\ud835\udc13\ud835\udc04\ud835\udc12 \ud83c\udf81 \ud835\udc02\ud835\udc1e\ud835\udc25\ud835\udc1e\ud835\udc1b\ud835\udc2b\ud835\udc1e \ud835\udc28 \ud835\udfd3\u00ba \ud835\udc00\ud835\udc27\ud835\udc22\ud835\udc2f\ud835\udc1e\ud835\udc2b\ud835\udc2c\u00e1\ud835\udc2b\ud835\udc22\ud835\udc28 \ud835\udc1d\ud835\udc1a \ud835\udc12\ud835\udc2e\ud835\udc27\ud835\udc28 #SunoAno5 \ud83d\udc49 https:\/\/lp.suno.com.br\/pv\/aniversario-suno\/?utm_source=youtube.suno&utm_medium=video&utm_campaign=RS.ANV22.ns.20220214&utm_content= \ud83d\uddfd [\ud835\udc1e\ud835\udc01\ud835\udc28\ud835\udc28\ud835\udc24 \ud835\udc06\ud835\udc2b\ud835\udc1a\ud835\udc2d\ud835\udc2e\ud835\udc22\ud835\udc2d\ud835\udc28] \ud835\udc00\ud835\udc0f\ud835\udc11\ud835\udc04\ud835\udc0d\ud835\udc03\ud835\udc00 \ud835\udc00 \ud835\udc08\ud835\udc0d\ud835\udc15\ud835\udc04\ud835\udc12\ud835\udc13\ud835\udc08\ud835\udc11 \ud835\udc0d\ud835\udc0e \ud835\udc04\ud835\udc17\ud835\udc13\ud835\udc04\ud835\udc11\ud835\udc08\ud835\udc0e\ud835\udc11 \ud83d\udc49 https:\/\/lp.suno.com.br\/ebook-gratuito-investindo-no-exterior\/?utm_source=youtube.suno&utm_medium=video&utm_campaign=ebookinvestindonoexterior.20220210&utm_content= \ud83e\udd11 [\ud835\udc04\ud835\udc1b\ud835\udc28\ud835\udc28\ud835\udc24 \ud835\udc20\ud835\udc2b\ud835\udc1a\ud835\udc2d\ud835\udc2e\ud835\udc22\ud835\udc2d\ud835\udc28] \ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1a \ud835\udc02\ud835\udc28\ud835\udc26\ud835\udc29\ud835\udc25\ud835\udc1e\ud835\udc2d\ud835\udc28: \ud835\udc03\ud835\udc22\ud835\udc2f\ud835\udc22\ud835\udc1d\ud835\udc1e\ud835\udc27\ud835\udc1d\ud835\udc28\ud835\udc2c \ud83d\udc49 https:\/\/lp.suno.com.br\/lm\/ebook\/guia-completo-dividendos\/?utm_source=youtube.suno&utm_medium=video&utm_campaign=ebook-guiacompleto:dividendos.20211218&utm_content= COMO ENCONTRAR EMPRESAS BARATAS | Buffett + Nubank #WarrenBuffett #Nubank\u2026\",\"duration\":\"PT39M27S\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/i684SRJ5Smg\",\"regionsAllowed\":\"pt-BR\",\"interactionStatistic\":{\"@type\":\"InteractionCounter\",\"interactionType\":{\"@type\":\"WatchAction\"},\"userInteractionCount\":2259},\"thumbnailUrl\":\"https:\/\/i.ytimg.com\/vi\/i684SRJ5Smg\/default.jpg\",\"uploadDate\":\"2022-02-17T21:46:02Z\"}<\/script>\n\n\t<p>\n\t\t<a href=\"\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"\"\n\t\t\t\t\tdata-promo-id=\"138420\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\talt=\"\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n<p>Para os analistas do <strong>UBS<\/strong>, o \u00edndice geral de inadimpl\u00eancia do Nubank fica acima da m\u00e9dia das demais <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/instituicoes-financeiras\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">institui\u00e7\u00f5es financeiras<\/a> brasileiras &#8211; o que justifica uma melhora na avalia\u00e7\u00e3o da casa.<\/p>\n<p>No parecer, o banco de investimento projeta um pre\u00e7o-alvo de US$ 11,50 em 12 meses. Se a cota\u00e7\u00e3o for alcan\u00e7ada, os investidores que comprarem o papel agora ter\u00e3o rentabilidade de 91%, dado que as a\u00e7\u00f5es <strong>NU <\/strong>est\u00e3o sendo negociadas na <strong>NYSE<\/strong> a um pre\u00e7o de US$ 6,02.<\/p>\n<p>&#8220;Esse \u00edndice de inadimpl\u00eancia se deve ao alto n\u00edvel de crescimento no portf\u00f3lio da Nu, embora outros players com crescimento semelhante (por exemplo, o Banco Inter) tenham um \u00edndice de inadimpl\u00eancia muito maior. Por isso analisamos a import\u00e2ncia dos mixes de produto e renda para o \u00edndice geral de inadimpl\u00eancia da Nu&#8221;, diz o relat\u00f3rio do UBS.<\/p>\n<p>Segundo o relat\u00f3rio, o <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/mix-de-produtos\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">mix de produtos<\/a> atual tem um efeito positivo significativo no \u00edndice de inadimpl\u00eancia.<\/p>\n<figure id=\"attachment_254478\" aria-describedby=\"caption-attachment-254478\" style=\"width: 1117px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-254478\" src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/inad.jpg\" alt=\"\u00cdndices de inadimpl\u00eancia do Nubank - Foto: Reprodu\u00e7\u00e3o\/UBS\" width=\"1117\" height=\"449\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/inad.jpg 1117w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/inad-300x121.jpg 300w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/inad-1024x412.jpg 1024w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/inad-768x309.jpg 768w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/inad-150x60.jpg 150w\" sizes=\"(max-width: 1117px) 100vw, 1117px\" \/><figcaption id=\"caption-attachment-254478\" class=\"wp-caption-text\">\u00cdndices de inadimpl\u00eancia do Nubank &#8211; Foto: Reprodu\u00e7\u00e3o\/UBS<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&#8220;O Nubank tem uma parcela muito maior de receb\u00edveis de cart\u00e3o sem juros (69% para Nu, 52% no sistema financeiro). Estes t\u00eam um \u00edndice de NPL de zero e, portanto, reduzem o \u00edndice geral de inadimpl\u00eancia&#8221;, explica.<\/p>\n<p>Outro ponto positivo para a companhia \u00e9 o mix de renda que &#8220;destaca padr\u00f5es de cr\u00e9dito superiores&#8221;.<\/p>\n<p>&#8220;Estimamos que o \u00edndice de inadimpl\u00eancia da Nu seria muito melhor do que o relatado pela fintech \u20146,1% no 4T21 versus os 3,5% relatados. Vemos isso como uma indica\u00e7\u00e3o clara de que Nu tem um padr\u00e3o de cr\u00e9dito muito melhor do que o sistema (quando ajustado pela renda)&#8221;.<\/p>\n\n\t<div data-element=\"shortcode-read-more\" class=\"readToo\">\n\t\t\t\t<span class=\"readToo__title\">Leia mais<\/span>\n\t\t\t\t<ul class=\"readToo__list\">\n\t\t\t<li><a href=\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-cartao-credito-concorrencia\/\">Nubank (NUBR33) reduz depend\u00eancia do cart\u00e3o de cr\u00e9dito e v\u00ea crescer a concorr\u00eancia<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-inter-bidi4-melhores-bancos-2022\/\">Nubank (NUBR33), Inter (BIDI4): conhe\u00e7a o top 15 dos melhores bancos do Brasil em 2022<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/velez-nubank-nubr33-industrias-dominadas-empresas-tecnologia\/\">V\u00e9lez, do Nubank (NUBR33): \u2018Ind\u00fastrias ser\u00e3o dominadas por empresas de tecnologia\u2019<\/a><\/li>\t\t<\/ul>\n\t<\/div>\n\n\n<p>Al\u00e9m disso, os m\u00faltiplos do banco mostram uma compra atrativa, j\u00e1 que as <strong>a\u00e7\u00f5es do Nubank<\/strong> s\u00e3o negociadas um <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/valor-de-mercado\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">valor de mercado<\/a> de US$ 500 por cliente.<\/p>\n<p>&#8220;Consideramos esse indicador relativamente atraente em compara\u00e7\u00e3o com outros nomes digitais globais, como Jago (Indon\u00e9sia),<br \/>\nque negocia a um valor de mercado de cerca de US$ 8.500 por cliente; KakaoBank (Coreia), com cerca de US$ 1.100 por cliente; Kaspi (Cazaquist\u00e3o), US$ 700 por cliente; e Capitec (\u00c1frica do Sul), em cerca de US$ 1.000&#8221;, analisa o time de <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/equity-research\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">equity research<\/a> do banco.<\/p>\n<p>A concorr\u00eancia do Nubank, vale lembrar, negocia a m\u00faltiplos na faixa de US$ 550 a US$ 800 por cliente.<\/p>\n<figure id=\"attachment_254479\" aria-describedby=\"caption-attachment-254479\" style=\"width: 1095px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-254479\" src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/nubank.jpg\" alt=\"Principais indicadores do Nubank - Foto: Reprodu\u00e7\u00e3o\/UBS\" width=\"1095\" height=\"319\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/nubank.jpg 1095w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/nubank-300x87.jpg 300w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/nubank-1024x298.jpg 1024w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/nubank-768x224.jpg 768w, https:\/\/files.sunoresearch.com.br\/n\/uploads\/2022\/04\/nubank-150x44.jpg 150w\" sizes=\"(max-width: 1095px) 100vw, 1095px\" \/><figcaption id=\"caption-attachment-254479\" class=\"wp-caption-text\">Principais indicadores do Nubank &#8211; Foto: Reprodu\u00e7\u00e3o\/UBS<\/figcaption><\/figure>\n<h2>Ita\u00fa BBA vai na contram\u00e3o recomendando venda do Nubank<\/h2>\n<p>O Ita\u00fa BBA revisou sua recomenda\u00e7\u00e3o para as a\u00e7\u00f5es do Nubank e optou por manter uma vis\u00e3o cautelosa em rela\u00e7\u00e3o ao crescimento do banco digital. Os analistas optaram por reiterar a vis\u00e3o underperform, de \u201cvenda\u201d dos pap\u00e9is, com rebaixamento do pre\u00e7o-alvo de US$ 7,0 para US$ 6,6.<\/p>\n<p>A equipe de an\u00e1lise do BBA, liderada por Pedro Leduc, indica que a incerteza sobre a qualidade do<strong>\u00a0cr\u00e9dito do Nubank<\/strong>\u00a0est\u00e1 aumentando, enquanto os custos de financiamento est\u00e3o pressionando a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/o-que-receita-liquida\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">receita l\u00edquida<\/a> com juros (NIIs).<\/p>\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/planilha-controle-gastos\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/400x300-Planilha-controle-de-gastos.png\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/1420x240-Planilha-controle-de-gastos.png\"\n\t\t\t\t\tdata-promo-id=\"101751\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/1420x240-Planilha-controle-de-gastos.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n<p>Em relat\u00f3rio, os especialistas ainda falam que se sentiram tentados a mudar a\u00a0<strong>recomenda\u00e7\u00e3o para o Nubank<\/strong>\u00a0ap\u00f3s a queda das a\u00e7\u00f5es e a valoriza\u00e7\u00e3o do real, mas optaram por esperar para ver os n\u00fameros do resultado do primeiro trimestre (1T22). Eles esperam um preju\u00edzo ajustado de R$ 193 milh\u00f5es frente os R$ 7 milh\u00f5es observados no 4T21.<\/p>\n<p>Para os analistas do BBA, a alta c\u00edclica da inadimpl\u00eancia j\u00e1 foi parcialmente precificada nas\u00a0<a href=\"https:\/\/statusinvest.com.br\/bdrs\/nubr33\"><strong>a\u00e7\u00f5es do Nubank<\/strong><\/a>, mas est\u00e1 apenas come\u00e7ando a aparecer nos relat\u00f3rios. Dados marginais sugerem que o aumento pode ser mais r\u00e1pido e mais forte do que o esperado anteriormente.<\/p>\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/planilha-da-vida-financeira\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/400x300-Planilha-vida-financeira-true.png\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/1420x240-Planilha-vida-financeira-true.png\"\n\t\t\t\t\tdata-promo-id=\"106682\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/1420x240-Planilha-vida-financeira-true.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n<p>Na vis\u00e3o deles, a precifica\u00e7\u00e3o do Nubank se baseia em desafios c\u00edclicos e estruturais para justificar avalia\u00e7\u00f5es melhores. \u201cOs dados do 1T22 ser\u00e3o fundamentais para verificar esses n\u00fameros\u201d. A\u00a0<strong>previs\u00e3o de inadimpl\u00eancia<\/strong>\u00a0no roxinho entre janeiro e mar\u00e7o, segundo o BBA, \u00e9 de 5,3%.<\/p>\n<p>\u201cO Nubank provavelmente permanecer\u00e1 abaixo da ind\u00fastria geral (especialmente os\u00a0<strong>bancos digitais<\/strong>) na m\u00e9trica de inadimpl\u00eancia, gra\u00e7as aos seus modelos inovadores, crescimento e abordagem ao cliente. Mas ver\u00e1 a inadimpl\u00eancia por alguns trimestres, independentemente\u201d, diz o relat\u00f3rio.<\/p>\n<h2>Desempenho de NU e de NUBR33<\/h2>\n<p>Desde o IPO, as a\u00e7\u00f5es do Nubank caem 49,1% na NYSE, cotadas a atuais US$ 6,02. Somente nos \u00faltimos 30 dias foram 25% de baixa nas a\u00e7\u00f5es.<\/p>\n<p>J\u00e1 os <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/bdrs\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">BDRs<\/a>, que representam os pap\u00e9is dos EUA no Brasil, caem 55,6% desde a estreia da fintech no <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/mercado-de-capitais-conceito\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">mercado de capitais<\/a>. A queda dos BDRs do <strong>Nubank<\/strong> no \u00faltimo m\u00eas, contudo, foi menor do que nos EUA, com 19% de baixa a atuais R$ 5,10.<\/p>\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/ebook-como-analisar-uma-acao\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Mobile-1.jpg\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Desktop-1.jpg\"\n\t\t\t\t\tdata-promo-id=\"171998\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='286'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Desktop-1.jpg\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Vendo o pre\u00e7o das a\u00e7\u00f5es dividir ao meio, o UBS recomenda a compra dos pap\u00e9is do Nubank (NUBR33) na NYSE, citando um cr\u00e9dito n\u00e3o produtivo (NPL) na melhor condi\u00e7\u00e3o da hist\u00f3ria da fintech. IPO do Nubank. Foto: SUNO Not\u00edcias Para os analistas do UBS, o \u00edndice geral de inadimpl\u00eancia do Nubank fica acima da m\u00e9dia [&hellip;]<\/p>\n","protected":false},"author":73,"featured_media":214028,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[64],"tags":[105816,848,747],"suno_strategy":[],"class_list":["post-254420","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios","tag-especialistas","tag-nubank","tag-ubs-ubsg34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nubank: UBS v\u00ea alta de 91% com inadimpl\u00eancia e pre\u00e7o atrativo<\/title>\n<meta name=\"description\" content=\"Com valuation por cliente abaixo da concorr\u00eancia e melhor \u00edndice de inadimpl\u00eancia, Nubank ganha recomenda\u00e7\u00e3o de compra. 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