Fintech is currently one of the most attractive sectors in the entire market. These are my top picks: $NU - One of Latin America's biggest financial institutions. - 37.5% FWD EPS Growth - 16.8x NTM P/E - 42% Net-margin $DLO - Fintech Platform for Emerging Markets - 33% FWD Revenue growth - 15.3x NTM P/E - 34% FCF-Margin $SOFi - Disruptive All-in-one digital bank - 43% FWD EPS Growth - 0.7 PEG - 83.5% Gross Margin You won't see these companies trading near these prices ever again.

Brazilian fintech is going through a period similar to what US fintech had in 2023. TLDR: It’s a great buying opportunity. Remember, many analysts expected the Fed to start cutting rates in H2 2023 after violent hikes in 2022. That didn’t happen, and US fintech names like $SOFI and $HOOD dipped. That proved to be the perfect buying opportunity as they became multibaggers after the Fed started cutting in 2024. Brazil is going through a similar period. Interest rates were at decade high 15% starting this year and analysts originally expected a cutting cycle this year. Brazilian Central Bank delivered two cuts to protect the growth and investments after Iran War broke out but further cuts this year are unlikely as inflation is still around 4.5% while the target is 3%. This is driving increments in delinquincies and the market responds by pricing fintech for permanent slow down and higher risk. That’s the opportunity. They’ll probably seriously cut rates starting from later this year since inflation will likely move down as the effects of Iran War subside. The market will have to re-rate Brazilian fintech for lower risk and higher growth as happened to US fintech after rate cuts started in 2024. $NU and $INTR will easily double when this happens. I am long both and it’s a great time to accumulate.

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