Down 37%, Is Nu Holdings Stock Finally a Bargain?

Nu Holdings stock has declined 37% from its 52-week high, creating a potential bargain opportunity for long-term investors. The digital banking company is expanding aggressively across Latin America and the U.S., with management initiating a $1 billion share buyback program. Despite risks from Latin American economic volatility, analysts project net income could grow from $3.2 billion to $10 billion within five years if the company maintains its record-low 17.6% efficiency ratio, potentially making the stock a multibagger.