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Federico Suarez's avatar

Great analysis.

There is great lack of knowledge of what Nubank is building. With the efficiency ratios they command and ROE they are able to invest in the customer at laser speed.

The Tyme move is o e of the best strategic signals Nu is going East at scale and know one is noticing. Tyme leadership has a similar DNA 🚀

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Tony Cueva Bravo's avatar

Thanks Federico!

You nailed it - the market completely undervalues what Nubank is building. That 24.7% efficiency ratio gives them massive reinvestment capacity that competitors burning cash simply can't match.

The TymeBank move proves they're thinking globally while everyone else fights over saturated Western markets. Smart capital, smart strategy.

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