From a GARP principles perspective I thought maybe Nubank, trading on the New York Stock Exchange, starts to look interesting since it recently came down below PE 25 level. Nubank is a digital bank in Latin America. You have no physical offices where you can visit them as a bank customer, only online. They were founded 13 years ago, so they are pretty new, but they already had time to make a large impact in the financial sector in Latin America. In 2013 when they first started in Brazil they grew quickly purely through word of mouth without any advertising. One explanation to that could be that they are obsessed with making their customers happy. They often mention that "we want our customers to love us fanatically". In Brazil they already have 113 million customers. They stayed focused on their home market Brazil until they expanded to Mexico in 2019 and Colombia in 2020. Where they today have 14 million and 4 million respectively. They have been talking for years that they want to expand outside of Latin America. I have always been thinking that only being active in Latin America feels a bit risky and I got very happy when they announced recently that their next expansion will be to enter the US market. They have used the same playbook in the new countries as they used in Brazil. They have said that Mexico scaled faster than Brazil. Then Colombia has scaled even faster than Mexico on a population-adjusted basis. It seems like they learn and improve for each new country they enter into. If they can just get some kind of traction in the US financial sector which is huge, I think the future looks very exciting for them. Before David Vélez founded Nubank (who is CEO and has 73% voting power) he worked at places like Morgan Stanley and Goldman Sachs, but always wanted to start his own company. He then quit to "take a break" in 2010 by reading a MBA at Stanford where he was supposed to brainstorm regarding which business he would like to start. A few months into the MBA, Sequoia, one of the largest and most famous venture capital firms in the world, got to know that he started the MBA and recruited him. In parallel with his MBA he worked for Sequoia to setup their VC business in Brazil, from scratch, by investing in start ups in Brazil. In the summer of 2012, only a few month after he finished his MBA, Sequoia decided to shut down their Brazil initiative due to the lack of interesting start up companies in Brazil at the time. He founded Nubank in 2013 and he is now 45 years old. My feeling is that building Nubank is what he will do for the rest of his life and he wants to do something big!

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