For decades, September has been the market’s bogeyman, with investors bracing for seasonal declines. But this year, powerful tailwinds are in play — a likely Fed rate cut, surging AI infrastructure spending, and key earnings reports. These forces could flip the script entirely. Palantir, Apple, Chewy, and Nu Holdings each sit at the intersection of growth and resilience, making them potential winners in a month many fear. This September, history may not repeat — it may be rewritten.

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For nearly a century, September has carried a reputation as the market’s most unforgiving month. Since 1928, the S&P 500 has lost an average of 1.1% each September — a statistic that keeps many investors sidelined. But this year is shaping up differently.

September 2025 is bringing together three forces that rarely converge:

This combination hasn’t occurred in decades. Instead of retreating from markets, smart capital is quietly positioning for what could be one of the most lucrative Septembers in modern market history.

And four stocks, in particular, stand out as beneficiaries of this rare alignment.

Palantir has stunned even its strongest supporters. Trading at $154.90 and up 108% year-to-date, the company just posted its first $1 billion quarterly revenue, with U.S. revenue alone climbing 68% year-over-year.

The driver isn’t hype — it’s trust. Palantir has government relationships that no competitor can replicate, blending decades of security clearances, proprietary algorithms, and defense contracts. These aren’t short-term deals; they’re sticky, high-barrier partnerships that provide visibility far into the future.

Yes, the valuation is steep at a PE ratio of 481, but this is a business designed for longevity. With defense spending backlog in hand and an earnings report due November 3rd, Palantir sits squarely at the crossroads of AI expansion and national security.

For investors willing to stomach volatility, Palantir isn’t just riding the AI wave — it’s building the dam that channels it.

At $238.47 per share and a $3.54 trillion market cap, Apple is up 25% year-to-date and continues to prove why it’s more than a consumer tech company. Apple is a lifestyle monopoly.

Recent Q3 results underscore this resilience:

The overlooked catalyst? Apple’s AI strategy. While others fight for enterprise contracts, Apple is embedding AI directly into consumer devices, turning every iPhone into a personal assistant that learns user habits and behaviors. This integration deepens switching costs, locking customers tighter into the ecosystem.

With rate cuts lowering the cost of capital, Apple becomes both a growth and defensive play. Bank of America’s $260 price target may be conservative if the AI rollout gains traction across the product line.

Chewy, trading at $39.44 with a $15.9 billion market cap, is up 23% year-to-date and just earned the title of Morgan Stanley’s top pick for September.

The real story isn’t pet food delivery. It’s the subscription-like revenue model. Once customers set up recurring orders for essentials, switching away becomes highly unlikely — creating a steady, predictable cash flow profile.

Earnings on September 10th are the near-term catalyst. With market share gains and margin improvements underway, this quarter could highlight how Chewy is more than just e-commerce. It’s a consumer necessity with Netflix-like stickiness.

In downturns, people may cut back on luxuries, but pet spending endures. Chewy’s resilience makes it an attractive blend of defensive strength and growth potential, especially in uncertain markets.

While U.S. banks cautiously transition into digital, Latin America has already embraced it — and Nu Holdings is leading the charge. Trading at $14.90, up 42% this year, the company now serves over 100 million customers across the region.

This isn’t incremental innovation. Nu built a digital-first bank from scratch, free from legacy infrastructure. The result is a seamless customer experience that traditional banks can’t match without massive reinvestment.

Morgan Stanley projects a $100 billion valuation by 2026, compared to today’s $71.6 billion. With rate cuts lowering discount rates globally, fintech valuations stand to benefit directly. For investors looking beyond U.S. borders, Nu Holdings provides exposure to one of the fastest-growing digital banking markets in the world.

History says September should punish investors. But history also says markets reward those who spot when patterns are about to break.

Palantir delivers AI dominance through government contracts.
Apple turns devices into personal AI ecosystems.
Chewy monetizes loyalty with subscription-driven stability.
Nu Holdings reshapes digital banking across an entire continent.

Together, these four companies are positioned to do what most investors think impossible — make September not the worst month of the year, but the most profitable.

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