Marc Santigosa

[Marc Santigosa @MarcSantigosa]

Just published a new write-up on $OZK, one of the best-run financial institutions in the US.

Outstanding credit quality.

Compounded at 17% p.a. over L27Y.

And yet, one of the lowest P/E ratios among all US banks.

You can read it here: https://t.co/qPAzeg7Oh8

[Kairos Investment Research ♟️ @LDiscernment]

$NU

Livia Chanes, CEO of Nubank Brazil details their high income strategy and highlights how important this customer segment is.

[Fede Sandler @FedexSTi]

Killer slides here:

1). $NU revolving is half the market. They care about customers not making absurd amounts of money from them.

2). Secured lending is growing like gangbusters. Dis product has lower rates of default and better spreads. Hence better bottom line.

3) Mexico deposits on 🔥

4). Cohort curves are absolutely INSANE. Going fucking. VERTICAL 🚀🚀🚀🚀

I love investing in companies that walk the walk and talk the talk.

Not investing advice. I’m a nobody and I suck at spreadsheet moving. 🥷🇦🇷🦅

[Marc Santigosa @MarcSantigosa]

@LDiscernment I recently published a write-up on $OZK, in case you are interested. You can find it here -> https://t.co/JiC4IFC084

[Marc Santigosa @MarcSantigosa]

@Aureliusltd28 I recently published a write-up on $OZK, in case you are interested. You can find it here -> https://t.co/Fd6fWgotES

[Crwe World @CrweWorld]

Bank OZK Announces Record Second Quarter 2024 Earnings and $200 Million Stock Repurchase Program $OZK, #BankOZK https://t.co/uDQpsqgC3D

[Marc Santigosa @MarcSantigosa]

At 1.1x Tangible Book Value and 6.8x 2024 Earnings, we believe Bank OZK is a safe bank to own, and it is likely to outperform the S&P 500 over the coming decade.

[Marc Santigosa @MarcSantigosa]

Just published a new write-up on $OZK, one of the best-run financial institutions in the US.

Outstanding credit quality.

Compounded at 17% p.a. over L27Y.

And yet, one of the lowest P/E ratios among all US banks.

You can read it here: https://t.co/qPAzeg7Oh8

[Marc Santigosa @MarcSantigosa]

(iv) Its current balance sheet would be able to absorb losses amounting to 22x their current level of non-performing-assets, or 6x the peak level of loan losses experienced during the GFC.

[Fede Sandler @FedexSTi]

In April, Nu surpassed 2 million active insurance policies in Brazil, with Nu Vida – the first product co-created with Chubb and launched in 2020 – achieving 1 million active policies. In May, Nu Colombia surpassed 1 million customers 

Also $Nu's initiative focused on teens and kids has reached 3 million users in less than 3 years. The product saw explosive sixfold growth in 2023 and continues to innovate with features like Gift Cards and real-time transaction notifications, empowering the next generation with financial autonomy while maintaining parental oversight

Thank god I dont work in a 9-5 but boy is $NU a fantastic company. Not even Pago will beat it. But the good news is that it does not have to in order to destroy retail banks and unlock billions in value trapped.

Aguante man child! Do your homework! NOT INVESTMENT ADVICE! 🥷🛫✌️🔥

[Marc Santigosa @MarcSantigosa]

@Finishurbkfst23 Return on Tangible Equity!

[Marc Santigosa @MarcSantigosa]

The Brazilian Central Bank just published April-24 data. $NU achieving 72% annualized RoTE in Brazil.

That's better than the RoTE of Microsoft, Meta, Alphabet, Workday, Amazon and Tesla.

[Colarion @colarion]

Apparently the $915mln $OZK loan is $555mln funded due to TI holdbacks per Sandler, with about $900mln cash invested subordinate.

That’s a fair amount of cash.

[Marc Santigosa @MarcSantigosa]

@MMMTwealth Check-out my write-up on $NU here -> https://t.co/sRTa0xvo0P