Nu Holdings 2025 Q3 Earnings Beats Expectations with 41.4% Net Income Surge

Nu Holdings (NU) reported fiscal 2025 Q3 earnings on Nov 14, 2025, surpassing expectations with 41.8% year-over-year revenue growth to $4.17 billion and 41.4% net income expansion to $782.68 million. The results exceeded analyst forecasts, with KeyBanc and Susquehanna raising price targets to $19, reflecting strong market confidence in the fintech leader’s performance.

Revenue

Nu Holdings’ total revenue surged 41.8% to $4.17 billion in Q3 2025, driven by robust contributions from its core segments. Interest income and gains on financial instruments accounted for $3.58 billion, while fee and commission income added $595.24 million. This performance underscores the company’s scalable business model, supported by customer growth and disciplined monetization strategies.

Earnings/Net Income

The company’s EPS rose 40.2% to $0.16, with net income expanding 41.4% to $782.68 million, marking a six-year high for Q3 net income. The strong earnings growth reflects Nu Holdings’ ability to balance expansion with profitability.

Post-Earnings Price Action Review

The strategy of buying NU shares when revenues beat expectations has shown favorable performance, supported by a 3.3% pre-market price jump to $16.10 and analyst upgrades from KeyBanc and Susquehanna. The 30-day holding period aligns with short-term gains potential, as the stock has climbed 4.22% month-to-date. While the Mexican market expansion and AI integration position Nu Holdings for long-term growth, investors should remain mindful of market volatility.

CEO Commentary

CEO David Velez-Osomo highlighted 127 million customers and $4.17 billion in revenue, driven by customer growth and ARPU expansion. He emphasized Brazil’s maturity and Mexico’s scale-up phase, alongside AI-driven innovation and U.S. bank charter progress, positioning Nu Holdings as a fintech leader.

Guidance

The company reaffirmed its focus on AI integration, disciplined monetization, and cross-market expansion, though no quantitative targets were provided. Qualitative guidance emphasized long-term value creation through technological differentiation and customer-centric execution.

Additional News

Nu Holdings’ Officer Olivier Vitor Guarino filed to sell 709,565 shares via Morgan Stanley, signaling potential insider activity. Analysts including KeyBanc and Susquehanna raised price targets to $19, reflecting optimism about the fintech’s growth trajectory. Additionally, Nu Holdings submitted a U.S. national bank charter application, signaling ambitions for international expansion and regulatory sophistication. These moves highlight strategic shifts toward diversification and operational complexity.