Nubank: Leveraging AI-Centric Transformation and Data Scale to Reinforce Growth and Competitive Moat

Morgan Stanley analyst Jorge Kuri has reiterated their bullish stance on NU stock, giving a Buy rating on February 28.

Jorge Kuri has given his Buy rating due to a combination of factors tied to Nubank’s strategic push from a digital-first to an AI-centric business model. He believes that embedding artificial intelligence across product design, credit underwriting, and core operations should reinforce Nubank’s growth trajectory and enhance efficiency, strengthening its long-term competitive moat.

Kuri also highlights Nubank’s scale, proprietary data depth, and ability to attract specialized AI talent as structural advantages that are difficult for rivals to match. In his view, the firm’s extensive behavioral dataset and founder-driven cultural shift toward redesigning processes around AI, rather than simply adding tools, position NU to capture outsized value as financial services undergo an AI-driven transformation.

In another report released on February 28, TipRanks – Google also reiterated a Buy rating on the stock with a $17.50 price target.