Nubank Q4 2025: $895M Net Income, 19.9% Efficiency Ratio, and 131M Customers; Investors Debate Valuation
ByAinvest
Wednesday, Mar 25, 2026 12:59 am ET1min read
NU--
Nu Holdings reported Q4 2025 net income of $895M (+62% YoY), full-year revenue of $15.77B, and achieved an efficiency ratio of 19.9%. Despite serving 131M customers and receiving OCC approval for a US national bank charter, Nu's stock is down 12% this year due to concerns over high-growth fintech valuation premiums contracting.
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