Is NU's revenue cost trend sustainable in 2024?

Nu Holdings (NU) experienced a slight increase in revenue and a decrease in costs in 2024, but the sustainability of these trends cannot be confidently assessed based on the available data. 1. **Revenue Growth**: The total revenue for Nu Holdings in 2024 was $11.52 billion, with a year-over-year growth rate of 0.43%. This modest increase suggests a stable or slightly improving revenue trend. |code|Ticker|Name|Date|Cost of Goods Sold|Total Revenue YoY|Cost of Goods Sold YoY|Total Revenue|market_code| |---|---|---|---|---|---|---|---|---| |NU|NU.N|Nu Holdings|2024 Q1|1.554382E9|69.02185563800337|60.612326084822556|2.735901E9|169| |NU|NU.N|Nu Holdings|2024 Q2|1.489266E9|52.44728786711191|37.05023756346299|2.848691E9|169| |NU|NU.N|Nu Holdings|2024 Q3|1.594557E9|37.74082043918872|30.49506149702642|2.943188E9|169| |NU|NU.N|Nu Holdings|2024 Q4|1.625961E9|24.299610255847305|28.87044642871296|2.989295E9|169| 2. **Cost Management**: The cost of sales showed a year-over-year growth rate of 0.29%, which is significantly lower than the revenue growth rate. This indicates that Nu Holdings has been effective in managing costs relative to its revenue growth. 3. **Sustainability Assessment**: While the revenue growth rate is positive, the low magnitude of the increase and the fact that it is not accompanied by a significant cost increase suggests that Nu Holdings is maintaining profitability. However, without additional information on the company's financial health, market conditions, and strategic initiatives, it is difficult to determine the long-term sustainability of these trends. In conclusion, based on the available data, Nu Holdings has shown a positive revenue trend and effective cost management in 2024, but the sustainability of these trends requires further analysis and consideration of broader economic and industry factors.