南美贷款蓝海前景广阔大摩坚定看涨数字银行Nu Holdings(NU.US)

智通财经2025-06-25

智通财经APP获悉，华尔街大行摩根士丹利近日发布研报称，Nu Holdings Ltd.(NU.US)乃该机构编制的“适合长期持有的12只最佳股票”名单标的之一。摩根士丹利分析师Jorge Kuri领导的股票分析团队重申对于Nu Holdings Ltd. 的“买入”评级，目标价则设定为18美元，Kuri团队的看涨观点基于该公司在南美洲贷款“蓝海”——即薪资贷款市场上的重大潜在机遇。截至周二美股...

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(NU.US)","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"161121":1,"NU":1},"content_text":"智通财经APP获悉，华尔街大行摩根士丹利近日发布研报称，Nu Holdings Ltd.(NU.US)乃该机构编制的“适合长期持有的12只最佳股票”名单标的之一。摩根士丹利分析师Jorge Kuri领导的股票分析团队重申对于Nu Holdings Ltd. 的“买入”评级，目标价则设定为18美元，Kuri团队的看涨观点基于该公司在南美洲贷款“蓝海”——即薪资贷款市场上的重大潜在机遇。截至周二美股收盘，Nu Holdings股价涨幅高达8.83%，收于13.430美元。公开资料显示，Nu Holdings Ltd.是一家总部位于巴西的金融控股公司，主要提供Nubank数字银行服务，涵盖个人定制化信贷额度、移动支付系统、计息储蓄账户、投资级别全球金融产品组合等。Nu Holdings旗下的最核心子公司——即数字银行Nubank，是一家以巴西市场为核心的拉美数字银行平台，依托全线上应用和数据驱动风控，能够为个人与小微企业提供定制化信用卡产品、活期与高息储蓄，还能为客户们提供消费及薪资贷款、保险、投资、跨境汇款等一站式数字化金融服务，累计客户数已超 1.18 亿，横跨巴西、墨西哥和哥伦比亚等南美最大规模市场。Nu Holdings所经营的Nubank数字银行核心产品主要包括免年费信用卡、无最低余额活期账户、收益型“Money Boxes”储蓄、二维码与 NFC 支付、分期消费贷、薪资贷、公积金(巴西FGTS)抵押贷、投资基金、保险等。Nubank的数字化银行生态平台基于强大的100% 原生移动 App+云原生系统、实时反欺诈与 AI 风控，以及开户流程100%线上便捷模式，这也是为何该数字银行的平均获客成本远远小于10美元，远低于南美传统银行。在 2025 财年第一季度业绩电话会议上，Nu Holdings的高级管理层指出，其公共薪资贷款规模环比大幅增长50%，并表示在巴西推出的全新私人薪资贷款产品亦蕴含其独家的增长机遇。大摩分析师 Jorge Kuri领导的团队强调，他认为到2026 年，该数字化银行有望在南美洲的薪资贷款市场取得高达10% 的份额，主要基于其凭借庞大客户基数、纯线上获客成本优势与低价策略。该公司管理层表示，截至一季度，公司在该薪资贷款市场的份额仍不足 1%，与此同时Kuri领导的团队认为市场普遍预测的3%–4%份额预期完全低估了 Nu Holdings数字银行平台的真正增长潜力。该分析师领导的团队指出，数字银行Nubank的无比庞大客户群、高效的数字化线上分销模式以及具有成本优势的定价策略，是其赢得该机构所预期的市场份额的关键竞争优势。摩根士丹利非常看好Nubank以超亿级用户与数据驱动的低成本模型切入违约率极低的薪资贷款市场，摩根士丹利测算显示，Nubank 若占 10% 份额，对应大约30亿美元的年放款规模，可贡献大于10亿美元的净利息收入，显著抬升盈利基数以及整体估值。Nubank拥有拉美最大规模的数字银行用户池，可在现有线上App内一键上架薪资贷，获客成本极低，同时可通过刷卡数据精准定价风险。此外，纯线上流程免除复杂的实体网点建设与中介佣金，Nubank能以更低利率抢占更大规模南美市场，同时保持较高净息差，来自大摩的Kuri分析师团队指出现有对手成本结构难以匹配其报价能力。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":1,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; 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南美贷款蓝海前景广阔 大摩坚定看涨数字银行Nu Holdings(NU.US)

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南美贷款蓝海前景广阔大摩坚定看涨数字银行Nu Holdings(NU.US)