{"id":530785,"date":"2024-03-07T13:55:06","date_gmt":"2024-03-07T16:55:06","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=530785"},"modified":"2024-03-07T19:34:49","modified_gmt":"2024-03-07T22:34:49","slug":"nubank-roxo34-risco-credito-portfolio-xp-evm","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/","title":{"rendered":"Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?"},"content":{"rendered":"<p>Em an\u00e1lise sobre as a\u00e7\u00f5es do <strong>Nubank<\/strong> (<a href=\"https:\/\/statusinvest.com.br\/bdrs\/roxo34\">ROXO34<\/a>) especialistas da XP reiteraram sua recomenda\u00e7\u00e3o neutra para os pap\u00e9is. Na ocasi\u00e3o, levantaram discuss\u00f5es sobre a deteriora\u00e7\u00e3o nos <a class=\"suno-keyword\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/indicadores-de-qualidade\/\" target=\"_blank\" rel=\"noopener\">indicadores de qualidade<\/a> de cr\u00e9dito.<\/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=\"6d-3auUSjFY\"\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\":\"\ud83d\udd34NOVO CEO DA VALE (VALE3)? | Azul (AZUL4) abre o jogo sobre compra da Gol (GOLL4) | Ibovespa sobe\",\"description\":\"#mercadofinanceiro #a\u00e7\u00f5es #investimentos #bolsadevalores #ibovespa #dinheiro #finan\u00e7as #pol\u00edtica #d\u00f3lar #livedas19h #petr4 #petr3 #petrobras #vale3 #vale #a\u00e7\u00f5es #economia #dividendos #min\u00e9riodeferro #min\u00e9rio #petr\u00f3leo #commodities #proventos #azul #azul4 #compra #gol #goll4 #impostoderenda #irpf #impostoderenda2024 #receitafederal \ud83d\udd34ANIVERS\u00c1RIO DA SUNO: https:\/\/lp.suno.com.br\/cl\/distribuicao-aniversario-7-anos\/?utm_source=youtube.noticias&utm_medium=live&utm_campaign=RS.ANV24.ns.20240222&utm_content=livedas19h 00:00 In\u00edcio do v\u00eddeo 02:05 Fechamento de preg\u00e3o 06:40 Novo CEO da Vale? 12:52 Azul abre o jogo sobre\u2026\",\"duration\":\"PT25M34S\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/6d-3auUSjFY\",\"regionsAllowed\":\"en-US\",\"interactionStatistic\":{\"@type\":\"InteractionCounter\",\"interactionType\":{\"@type\":\"WatchAction\"},\"userInteractionCount\":10347},\"thumbnailUrl\":\"https:\/\/i.ytimg.com\/vi\/6d-3auUSjFY\/default.jpg\",\"uploadDate\":\"2024-03-06T22:31:39Z\"}<\/script>\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>&#8220;Reconhecemos que a modelagem de <strong>risco <\/strong>\u00e9 um campo complexo e que certas decis\u00f5es comerciais podem impactar as pr\u00e1ticas de provisionamento. No entanto, acreditamos que as pr\u00e1ticas recentes para lidar com uma potencial <strong>deteriora\u00e7\u00e3o na qualidade de cr\u00e9dito<\/strong> aumentam o risco do caso&#8221;, diz a XP sobre o Nubank.<\/p>\n\n\n\n<p>A tese da XP para as <strong>a\u00e7\u00f5es do Nubank<\/strong> \u00e9 que &#8216;as coisas melhoram antes de piorar&#8217;.<\/p>\n\n\n\n<p>&#8220;No Brasil, os titulares de cart\u00f5es geralmente pagam suas compras em dinheiro ou em parcelas sem juros, gerando receita de interc\u00e2mbio. Quando esses clientes encontram <strong>dificuldades para pagar suas faturas<\/strong>, recorrem a <strong>empr\u00e9stimos<\/strong>, o que gera receita de juros para o banco. Em outras palavras, antes de entrar em inadimpl\u00eancia, esses clientes se tornam mais lucrativos para a institui\u00e7\u00e3o financeira&#8221;, diz a casa.<\/p>\n\n\n\n<p>&#8220;No final de 2022, cerca de 20% da carteira do banco estava exposta a juros (em compara\u00e7\u00e3o com 26% do SFN). Hoje esse n\u00famero subiu para cerca de 30% da carteira do Nubank, enquanto o SFN caiu para 23%. Portanto, temos d\u00favidas sobre a sustentabilidade do ROE de 40% para as opera\u00e7\u00f5es no Brasil. A carteira \u00e9 fortemente influenciada pelo crescimento, mas as provis\u00f5es podem n\u00e3o refletir o per l de risco mais elevado&#8221;, completa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Desempenho das a\u00e7\u00f5es do Nubank<\/h2>\n\n\n\n<p>As <a href=\"https:\/\/statusinvest.com.br\/acoes\/eua\/nu\">a\u00e7\u00f5es do <strong>Nubank<\/strong><\/a> subiram 2,23% nesta quinta-feira (7) na NYSE. Em uma janela de 12 meses, os pap\u00e9is sobem 136%.<\/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>Em an\u00e1lise sobre as a\u00e7\u00f5es do Nubank (ROXO34) especialistas da XP reiteraram sua recomenda\u00e7\u00e3o neutra para os pap\u00e9is. Na ocasi\u00e3o, levantaram discuss\u00f5es sobre a deteriora\u00e7\u00e3o nos indicadores de qualidade de cr\u00e9dito. &#8220;Reconhecemos que a modelagem de risco \u00e9 um campo complexo e que certas decis\u00f5es comerciais podem impactar as pr\u00e1ticas de provisionamento. No entanto, acreditamos [&hellip;]<\/p>\n","protected":false},"author":73,"featured_media":213519,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[64],"tags":[105816,848,107160],"suno_strategy":[],"class_list":["post-530785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios","tag-especialistas","tag-nubank","tag-nubank-roxo34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?<\/title>\n<meta name=\"description\" content=\"A tese da XP para as a\u00e7\u00f5es do Nubank \u00e9 que &#039;as coisas melhoram antes de piorar&#039;; analistas destacam din\u00e2mica de inadimpl\u00eancia do banco\" \/>\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-roxo34-risco-credito-portfolio-xp-evm\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?\" \/>\n<meta property=\"og:description\" content=\"A tese da XP para as a\u00e7\u00f5es do Nubank \u00e9 que &#039;as coisas melhoram antes de piorar&#039;; analistas destacam din\u00e2mica de inadimpl\u00eancia do banco\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-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\/cristina-1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\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=\"2 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-roxo34-risco-credito-portfolio-xp-evm\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/\"},\"author\":{\"name\":\"Eduardo Vargas\",\"@id\":\"https:\/\/www.suno.com.br\/noticias\/#\/schema\/person\/7f4d362bf3518e76090143ae77bb49a5\"},\"headline\":\"Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?\",\"datePublished\":\"2024-03-07T16:55:06+00:00\",\"dateModified\":\"2024-03-07T22:34:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/\"},\"wordCount\":293,\"publisher\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2021\/12\/cristina-1-scaled.jpg\",\"keywords\":[\"Especialistas\",\"Nubank (NUBR33)\",\"Nubank (ROXO34)\"],\"articleSection\":[\"Neg\u00f3cios\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/\",\"url\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/\",\"name\":\"Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?\",\"isPartOf\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2021\/12\/cristina-1-scaled.jpg\",\"datePublished\":\"2024-03-07T16:55:06+00:00\",\"dateModified\":\"2024-03-07T22:34:49+00:00\",\"description\":\"A tese da XP para as a\u00e7\u00f5es do Nubank \u00e9 que 'as coisas melhoram antes de piorar'; 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No YouTube e no Instagram, \u00e9 respons\u00e1vel pela produ\u00e7\u00e3o de Reels e Shorts do Suno Not\u00edcias. Anteriormente, trabalhou cobrindo economia e cotidiano no ND+ e para o ND, maior jornal impresso de Santa Catarina. Cursou um semestre letivo de Estudos de M\u00eddia na Universidad de Buenos Aires.","url":"https:\/\/www.suno.com.br\/noticias\/author\/eduardo-vargas\/"}]}},"default_loop_html":"<div class=\"cardsPage__listCard__boxs\"><div class=\"cardsPage__listCard__boxs__img\"><a href=\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/\"><img class=\"mask\" src=\"https:\/\/www.suno.com.br\/noticias\/wp-content\/themes\/suno\/resources\/images\/spotlight\/spotlight1img\/bg-mask.png\" alt=\"Image Mask\"\/><img src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2021\/12\/cristina-1-400x200.jpg\" alt=\"Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?\"\/><\/a><span class=\"spotlightCategory\"><a href=\"https:\/\/www.suno.com.br\/noticias\/negocios\/\">Neg\u00f3cios<\/a><\/span><\/div><div class=\"cardsPage__listCard__boxs__content\"><a href=\"https:\/\/www.suno.com.br\/noticias\/nubank-roxo34-risco-credito-portfolio-xp-evm\/\"><h2 class=\"content__title\">Nubank (ROXO34) tem alto risco de cr\u00e9dito no portf\u00f3lio?<\/h2><\/a><div class=\"newsContent__article__meta\"><div class=\"newsContent__article__meta__authorBox\"><a href=\"https:\/\/www.suno.com.br\/noticias\/author\/eduardo-vargas\/\" class=\"authorBox__avatar noMobi\"><img src=\"https:\/\/secure.gravatar.com\/avatar\/dac340933427a22924c9f99d1eb2e3f2?s=96&#038;r=g\" alt=\"Eduardo Vargas\"><\/a><div class=\"authorBox__name\"><span>por\n\t\t\t<a href=\"https:\/\/www.suno.com.br\/noticias\/author\/eduardo-vargas\/\"><span itemprop=\"author\">Eduardo Vargas<\/span><\/a><\/span><time datetime=\"2024-03-07T13:55:06-03:00\" itemprop=\"datePublished\">07\/03\/2024 13:55<\/time><\/div><\/div><\/div><\/div><\/div>","single_layout":"posts","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts\/530785"}],"collection":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/users\/73"}],"replies":[{"embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/comments?post=530785"}],"version-history":[{"count":2,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts\/530785\/revisions"}],"predecessor-version":[{"id":530997,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/posts\/530785\/revisions\/530997"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/media\/213519"}],"wp:attachment":[{"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/media?parent=530785"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/categories?post=530785"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/tags?post=530785"},{"taxonomy":"suno_strategy","embeddable":true,"href":"https:\/\/www.suno.com.br\/noticias\/wp-json\/wp\/v2\/suno_strategy?post=530785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}