Symbols

NU

Nu Holdings·NYSE

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NU fundamentals

NU Q4 2025 Earnings

Nu Holdings (NU) released its earnings on Feb 25, 2026: revenue was 4.53B (YoY +51.61%), missed estimates; EPS was 0.1892 (YoY +67.58%), missed estimates.

Revenue / YoY

4.53B

+51.61%

EPS / YoY

0.1892

+67.58%

Report date

Feb 25, 2026

NU Earnings Call Summary for Q4,2025

Record Q4 Performance: $4.9B revenue (45% YoY), $895M net income (50% YoY), 33% ROE, and 131M customers.
AI-Driven Growth: Unused credit limits +60% to $29B, 50bps market share gain in Brazil, and 10M MAUs for PIX with AI.
Efficiency & Capital: 19.9% efficiency ratio, $8.9B capital (3.6x regulatory), and $3B at holding level for global expansion.
2026 Focus: Core market dominance, U.S. infrastructure build, and scaling AI for cost savings and revenue growth.
Risks & Pressures: 80-100bps efficiency ratio pressure from office return, AI investments, and FGTS regulatory headwinds.

Earnings

EPS

Revenue

Revenue & Expenses

NU has released its 2025 Q4 earnings report, with revenue of 4.69B, reflecting a YoY change of 56.75%, and net profit of 894.80M, showing a YoY change of 61.91%. The Sankey diagram below clearly presents NU's revenue sources and cost distribution.

Key Indicators

Nu Holdings (NU) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Nu Holdings (NU)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Nu Holdings (NU)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Nu Holdings (NU)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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