3 Growth Stocks Won't Be This Cheap For Long

Video published March 13, 2026 covers UiPath and Rubrik earnings and advocates Nu Holdings, Sea Limited, and DLocal as undervalued buying opportunities. The presenter (Neil Rozenbaum) and The Motley Fool hold positions in DLocal, Nu Holdings, and Rubrik; The Motley Fool recommends Nu Holdings, Rubrik, Sea Limited, UiPath and has specified DLocal option positions (long Jan 2027 $7 calls / short Jan 2027 $10 calls). Content is promotional/affiliate-driven and presents no new quantitative earnings metrics or guidance, so weigh conflict-of-interest risk and seek primary financials before acting.

Analysis

The non-obvious common thread is where revenue attaches to real economic activity: payments (DLO, NU, SE) scale linearly with TPV and benefit quickly from modest macro inflections, while enterprise software (PATH, RBRK) depends on lumpy capex and data-center refresh cycles tied to AI compute upgrades. That creates a timing bifurcation — payments names should see revenue flow through within 1–3 quarters, whereas meaningful re-rates for backup/data-management vendors require visible customer spend tied to GPU-led refresh cycles over 2–4 quarters.

Second-order winners include NVDA-facing data ops vendors (RBRK) that can sell compliance and backup-as-a-service into accelerated GPU deployments; losers include on-prem legacy automation footprints that struggle to justify incremental spend versus cloud-native AI tooling. FX and regulatory changes in LatAm/EM are the biggest exogenous toggles for fintech names — a 200–400bp swing in local rates or a material cross-border fee cap can erase a year of EBITDA in these models.

Catalysts and key risks line up by horizon: days–weeks = earnings guidance and TPV prints; months = customer cohort durability and fee re-pricing; 12–24 months = regulatory moves or a meaningful global growth slowdown that compresses consumer spend. The consensus underprices durability of payment moats (network effects + localized rails) and overprices near-term AI growth for some automation plays that lack sticky revenue, so position sizing should reflect asymmetric timing and policy risk.

Key Decisions for Investors

• Long DLO (DLocal) 6–12 months: buy a 3–4% position size on weakness around earnings; target +40–60% upside if TPV growth and take-rates hold, stop -25% on a single-quarter TPV or fee compression miss. Consider 9–12 month OTM call-buy for 2:1 asymmetric payoff if you prefer defined downside.
• Pair trade — Long RBRK / Short PATH, 6–9 months: size net exposure 2–3% with equal notional legs. Thesis: RBRK re-rates on NVDA-driven data center capex while PATH faces automation budget re-allocations; expect ~20–30% relative outperformance for RBRK if enterprise AI rollouts accelerate, cut pair if both raise 2026 guidance (signal of broad capex lift).
• Long SE selectively, 12 months with macro hedge: accumulate on any post-earnings gap down; target +50% if GMV and payments margins recover, cap losses at -30% or hedge with short EM FX exposure. Use position sizing to limit EM regulatory/FX tail to 3% of fund NAV.
• Contrarian long NU (Nu Holdings) 12–24 months: initiate a smaller starter stake (1–2%) given regulatory/competitive risk, scale toward conviction if NIM stabilizes and customer engagement metrics improve. Use covered-call overlays only after a 30–40% rally to monetize upside without ceding significant participation.