Undervalued AI-driven consumer finance platform with global expansion potential

Ramp is valued at $60B at ~30x rev. Nubank is valued at $60B at ~2.5x rev. They are VERY different businesses. And this is not a knock on Ramp. Ramp is an AI winner / enterprise fintech AI neolab, with myriad innovations and advantages vs incumbents like AMEX / Brex / etc. They are just executing and taking share and winning. Nubank is (perceived as) AI neutral by the market, with credit cycle / EM risk overshadowing AI tailwinds. What if Nubank is Ramp for consumer finance, a neolab in its own right? "Advances in artificial intelligence and Nubank's low-cost operating model could enable a dramatic expansion beyond Latin America... [I envision] a global financial institution serving as many as 1 billion customers across 100 countries, operating with just 5,000 employees." - @velez_david https://colossus.com/episode/david-v-goliath/