{"id":433798,"date":"2023-07-26T14:22:29","date_gmt":"2023-07-26T17:22:29","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=433798"},"modified":"2023-07-26T14:59:10","modified_gmt":"2023-07-26T17:59:10","slug":"nubank-nubr33-xp-inadimplencia-roe-2t23-xp-evm","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-xp-inadimplencia-roe-2t23-xp-evm\/","title":{"rendered":"Nubank (NUBR33) ter\u00e1 &#8216;mais inadimpl\u00eancia&#8217; no 2T23, mas vai reverter preju\u00edzo com lucro de US$ 191 milh\u00f5es, diz XP"},"content":{"rendered":"<p>Analistas da XP Investimentos, olhando para o nicho de fintechs, destacaram que a expectativa \u00e9 de que o pr\u00f3ximo balan\u00e7o do <strong>Nubank<\/strong> (<a class=\"suno-keyword\" data-force=\"yes\" data-priority=\"2\" href=\"https:\/\/www.suno.com.br\/bdrs\/nubr33\/\" target=\"_blank\" rel=\"noopener\">NUBR33<\/a>), referente ao segundo trimestre deste ano, mostre ainda um crescimento na aquisi\u00e7\u00e3o de clientes.<\/p>\t<div class=\"wrapper-featured-image\">\n\t\t<figure class=\"spotlightImg\">\n\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 768px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2021\/12\/Nubank-B3-400x200.jpg\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"newsContent__article__imgCapa lazyloadDisabled \" src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2021\/12\/Nubank-B3-800x450.jpg\" width=\"800\" height=\"450\" alt=\"Nubank (NUBR33) ter\u00e1 &#8216;mais inadimpl\u00eancia&#8217; no 2T23, mas vai reverter preju\u00edzo com lucro de US$ 191 milh\u00f5es, diz XP\" fetchpriority=high \/>\n\t\t\t<\/picture>\n\n\t\t\t<figcaption class=\"wp-caption-text wp-caption-text--show\">Fundadores do Nubank: Edward Wible, David V\u00e9lez e Cristina Junqueira. <\/figcaption>\n\t\t<\/figure>\n\t<\/div>\n\n\n\n\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=\"265278\"\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\n\n\n\n\n<p>Apesar disso, mesmo que os novos clientes do Nubank tenham um custo menor, considerando o indicador de Receita M\u00e9dia Mensal por Cliente Ativo (ARPAC, na sigla em ingl\u00eas), a expectativa \u00e9 de que a evolu\u00e7\u00e3o das safras antigas deve compensar esse efeito, elevando o indicador de ARPAC.<\/p>\n\n\n\n<p>&#8220;Isso deve levar o Nubank a reportar mais um trimestre de ROE crescente na opera\u00e7\u00e3o brasileira. Por fim, embora prevejamos uma inadimpl\u00eancia ainda crescente, esperamos que a expans\u00e3o da margem financeira (NII) de Nu se destaque e mantenha a boa in\u00e9rcia de resultados&#8221;, diz a casa.<\/p>\n\n\n\n<p>A expectativa da casa \u00e9 de US$ 191 milh\u00f5es de lucro para o <strong>resultado do Nubank no 2T23<\/strong>, al\u00e9m de uma <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/margem-bruta-entenda-sua-importancia\/\" rel=\"noopener\">margem bruta<\/a> de 46%.<\/p>\n\n\n\n<p>Em igual etapa do ano anterior, o banco registrou preju\u00edzo de US$ 30 milh\u00f5es, ao passo que o <strong>lucro do Nubank<\/strong> foi de US$ 152 milh\u00f5es no primeiro trimestre deste ano.<\/p>\n\n\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-milhoes-clientes-banco-do-brasil-bbas3-evm\/\">Nubank (NUBR33) chega a 80 milh\u00f5es de clientes e ultrapassa Banco do Brasil (BBAS3)<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/fundos-renda-variavel-pesquisa-xp-corte-juros-aumenta-interesse-ar\/\">Corte da Selic aumenta interesse por fundos de renda vari\u00e1vel, aponta pesquisa da XP<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-mantido-carteira-acoes-bdrs-itau-evm\/\">Nubank (NUBR33) \u00e9 mantido em carteira de BDRs do Ita\u00fa BBA<\/a><\/li>\t\t<\/ul>\n\t<\/div>\n\n\n\n\n<p>&#8220;Prevemos um crescimento robusto da carteira de cr\u00e9dito de +10% na base trimestral e +62% na base anual, \u00e0 medida que o banco consegue manter a inadimpl\u00eancia sob controle&#8221;, observa a XP, sobre os resultados do banco.<\/p>\n\n\n\n<p>&#8220;Dito isto, esperamos apenas um aumento marginal na inadimpl\u00eancia juntamente com um custo de financiamento ligeiramente maior. Nosso <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/lucro-liquido\/\" rel=\"noopener\">Lucro L\u00edquido<\/a> projetado acima do consenso implica um crescimento de 35% no trimestre e reflete o s\u00f3lido momento de ganhos da empresa, consistente com sua estrat\u00e9gia de aumentar a monetiza\u00e7\u00e3o de sua grande base de clientes, completa.<\/p>\n\n\n\n<p>Atualmente a XP tem recomenda\u00e7\u00e3o neutra para os <a class=\"suno-keyword\" target=\"_blank\" data-force=\"yes\" data-priority=\"2\" href=\"https:\/\/www.suno.com.br\/bdrs\/\" rel=\"noopener\">BDRs<\/a> do Nubank, com <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/preco-alvo\/\" rel=\"noopener\">pre\u00e7o alvo<\/a> de R$ 5,90 para o ano de 2023.<\/p>\n\n\n\n<p>A tese da casa \u00e9 de que a a\u00e7\u00e3o est\u00e1 bem precificada nos patamares atual, dada parte do seu valor potencial, de 5,6x o Pre\u00e7o sobre <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/valor-patrimonial\/\" rel=\"noopener\">Valor Patrimonial<\/a> (P\/VP) para 2023.<\/p>\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/ebook-gratuito-investindo-no-exterior\/\" 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-Investindo-no-exterior.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-Investindo-no-exterior.png\"\n\t\t\t\t\tdata-promo-id=\"383161\"\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-Investindo-no-exterior.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">Al\u00e9m do Nubank, XP v\u00ea Inter &#8216;moderado&#8217; e M\u00e9liuz (CASH3) com peso negativo do varejo<\/h2>\n\n\n\n<p>Olhando para outros &#8216;neobancos&#8217;, a XP destaca que espera resultados moderados para o Inter (INBR32), mas recomenda compra das <a class=\"suno-keyword\" target=\"_blank\" data-force=\"yes\" data-priority=\"2\" href=\"https:\/\/www.suno.com.br\/bdrs\/\" rel=\"noopener\">BDRs<\/a> com pre\u00e7o-alvo de R$ 20,30.<\/p>\n\n\n\n<p>&#8220;Esperamos outro conjunto de resultados modestos para o Inter no 2T23. Prevemos um crescimento de receita de um d\u00edgito alto no trimestre, desacelerando em rela\u00e7\u00e3o aos trimestres anteriores. Esse aumento deve ser impulsionado, em grande parte, pelo crescimento da carteira de cr\u00e9dito, ainda concentrada em linhas mais defensivas, como <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/home-equity\/\" rel=\"noopener\">home equity<\/a> e consignado&#8221;, diz a casa.<\/p>\n\n\n\n<p>&#8220;Assim, esperamos que a <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/o-que-receita-bruta\/\" rel=\"noopener\">Receita Bruta<\/a> alcance R$ 1,9 bilh\u00e3o e a <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/o-que-receita-liquida\/\" rel=\"noopener\">Receita L\u00edquida<\/a> atinja R$ 1,05 bilh\u00e3o. Prevemos que o crescimento do GMV do Inter Shop desacelere de forma semelhante \u00e0 da ind\u00fastria. As taxas de inadimpl\u00eancia devem manter a tend\u00eancia observada neste ano e chegar a 5%, o que vemos em linha com a ind\u00fastria&#8221;, completa.<\/p>\n\n\n\n<p>Assim, a proje\u00e7\u00e3o \u00e9 de lucro l\u00edquido recorrente de R$ 34,7 milh\u00f5es no trimestre, implicando um ROE de 0,8%.<\/p>\n\n\n\n<p>Para o M\u00e9liuz, que fica fora do nicho de bancos (que inclui <strong>Nubank<\/strong> e Inter), a XP estima um trimestre fraco, com receita l\u00edquida crescendo 21% e um preju\u00edzo l\u00edquido recorrente de R$ 11,9 milh\u00f5es. A recomenda\u00e7\u00e3o \u00e9 neutra com pre\u00e7o-alvo de R$ 20 para os pap\u00e9is <a href=\"https:\/\/statusinvest.com.br\/acoes\/cash3\" target=\"_blank\" rel=\"noreferrer noopener\">CASH3<\/a>.<\/p>\n\n\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.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.jpg\"\n\t\t\t\t\tdata-promo-id=\"378302\"\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.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>Analistas da XP Investimentos, olhando para o nicho de fintechs, destacaram que a expectativa \u00e9 de que o pr\u00f3ximo balan\u00e7o do Nubank (NUBR33), referente ao segundo trimestre deste ano, mostre ainda um crescimento na aquisi\u00e7\u00e3o de clientes. Fundadores do Nubank: Edward Wible, David V\u00e9lez e Cristina Junqueira. Apesar disso, mesmo que os novos clientes do [&hellip;]<\/p>\n","protected":false},"author":73,"featured_media":214207,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[64],"tags":[105816,1629,848],"suno_strategy":[],"class_list":["post-433798","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios","tag-especialistas","tag-fintechs","tag-nubank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nubank (NUBR33) ter\u00e1 &#039;mais inadimpl\u00eancia&#039; e lucrar\u00e1 US$ 191 milh\u00f5es<\/title>\n<meta name=\"description\" content=\"Analistas da XP esperam movimenta\u00e7\u00e3o no ARPAC do Nubank, com ROE e inadimpl\u00eancia subindo, resultado em um lucro de US$ 191 milh\u00f5es no 2T23\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-xp-inadimplencia-roe-2t23-xp-evm\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nubank (NUBR33) ter\u00e1 &#039;mais inadimpl\u00eancia&#039; e lucrar\u00e1 US$ 191 milh\u00f5es\" \/>\n<meta property=\"og:description\" content=\"Analistas da XP esperam movimenta\u00e7\u00e3o no ARPAC do Nubank, com ROE e inadimpl\u00eancia subindo, resultado em um lucro de US$ 191 milh\u00f5es no 2T23\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-xp-inadimplencia-roe-2t23-xp-evm\/\" \/>\n<meta property=\"og:site_name\" content=\"Suno Not\u00edcias\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/sunoresearch\" \/>\n<meta property=\"og:image\" content=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2021\/12\/Nubank-B3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eduardo Vargas\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@sunoresearch\" \/>\n<meta name=\"twitter:site\" content=\"@sunoresearch\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eduardo Vargas\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-xp-inadimplencia-roe-2t23-xp-evm\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-nubr33-xp-inadimplencia-roe-2t23-xp-evm\/\"},\"author\":{\"name\":\"Eduardo Vargas\",\"@id\":\"https:\/\/www.suno.com.br\/noticias\/#\/schema\/person\/7f4d362bf3518e76090143ae77bb49a5\"},\"headline\":\"Nubank (NUBR33) ter\u00e1 &#8216;mais inadimpl\u00eancia&#8217; 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