Stone co or nu

**Nu Holdings (NU) appears to be the stronger buy between the two**, based on the following analysis:

1. **Financial Performance**: Nu Holdings (NU) reported a net income of $552.64 million and a diluted EPS of $2.26 in the most recent quarter, surpassing market expectations. In contrast, StoneCo (STNE) reported a net loss of $472.48 million and a diluted EPS of -$0.39 in the same quarter. Nu's positive earnings surprise reflects efficient management and market adaptation.

|code|Ticker|Name|Date|Total Revenue|market_code|
|---|---|---|---|---|---|
|NU|NU.N|Nu Holdings|2024 Q1|2.735901E9|169|
|STNE|STNE.O|StoneCo|2024 Q1|6.150998038617E8|185|
|NU|NU.N|Nu Holdings|2024 Q2|2.848691E9|169|
|STNE|STNE.O|StoneCo|2024 Q2|5.7663754285844E8|185|
|NU|NU.N|Nu Holdings|2024 Q3|2.943188E9|169|
|STNE|STNE.O|StoneCo|2024 Q3|6.1590433581402E8|185|
|NU|NU.N|Nu Holdings|2024 Q4|2.989295E9|169|
|STNE|STNE.O|StoneCo|2024 Q4|5.8367350290431E8|185|

|code|Ticker|Name|Date|Net Income|market_code|
|---|---|---|---|---|---|
|NU|NU.N|Nu Holdings|2024 Q1|3.78814E8|169|
|STNE|STNE.O|StoneCo|2024 Q1|7.449105848265E7|185|
|NU|NU.N|Nu Holdings|2024 Q2|4.87272E8|169|
|STNE|STNE.O|StoneCo|2024 Q2|8.962893246706E7|185|
|NU|NU.N|Nu Holdings|2024 Q3|5.53386E8|169|
|STNE|STNE.O|StoneCo|2024 Q3|9.959401033938E7|185|
|NU|NU.N|Nu Holdings|2024 Q4|5.5264E8|169|
|STNE|STNE.O|StoneCo|2024 Q4|-4.7248107260949E8|185|

|code|Ticker|Name|Date|Diluted EPS|market_code|
|---|---|---|---|---|---|
|NU|NU.N|Nu Holdings|2024 Q1|0.0775|169|
|STNE|STNE.O|StoneCo|2024 Q1|0.2352800466|185|
|NU|NU.N|Nu Holdings|2024 Q2|0.0998|169|
|STNE|STNE.O|StoneCo|2024 Q2|0.2841931148|185|
|NU|NU.N|Nu Holdings|2024 Q3|0.1132|169|
|STNE|STNE.O|StoneCo|2024 Q3|0.3265515732|185|

2. **Growth Prospects**: Nu Holdings (NU) has demonstrated robust revenue growth, with a nearly 49% increase over the last twelve months. This growth is bolstered by strategic expansions and technological innovations in digital banking. StoneCo (STNE), while leading in Brazil's fintech market, faced a 449.37% year-over-year net income decline in Q4 2024, indicating significant challenges.
3. **Market Position and Innovation**: Nu Holdings (NU) operates under the Nubank brand, with a strong market presence in Latin America and a growing customer base. Its innovative digital banking solutions and strategic expansions into new markets position it well for sustained growth. StoneCo (STNE), despite its market leadership in Brazil, faces macroeconomic challenges and competitive pressures that have impacted its financial performance.
4. **Valuation and Analyst Confidence**: Nu Holdings (NU) trades at a P/E ratio of 28.7, indicating investor confidence in its future profitability. The company maintains a healthy return on equity (ROE) of 28%, which is a positive sign for long-term investors. StoneCo (STNE)’s P/E ratio is 8.67, suggesting it may be undervalued relative to peers, but its challenging financial results and strategic uncertainties make it a higher-risk investment.
5. **Technical Indicators**: Nu Holdings (NU)’s stock has shown resilience, with a recent closing price above its 5-day, 10-day, and 20-day moving averages, indicating positive momentum. StoneCo (STNE)’s stock is trading below its moving averages, suggesting bearish pressure.

|code|Ticker|Name|Date|Closing Price|Support Level|Resistance Level|market_code|
|---|---|---|---|---|---|---|---|
|STNE|STNE.O|StoneCo|20250416|11.83|11.7200|12.0400|185|

|code|Ticker|Name|Date|Moving Average|market_code|
|---|---|---|---|---|---|
|STNE|STNE.O|StoneCo|20250416|11.6100|185|

In conclusion, while StoneCo (STNE) has shown resilience and potential for growth, Nu Holdings (NU) exhibits stronger financial performance, broader market reach, and more favorable valuation metrics, making it the more attractive investment option at this time.