NU
Nu Holdings·NYSE
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NU fundamentals
Nu Holdings (NU) released its earnings on Nov 13, 2025: revenue was 4.17B (YoY +41.84%), beat estimates; EPS was 0.16 (YoY +45.45%), beat estimates.
Revenue / YoY
4.17B
+41.84%
EPS / YoY
0.16
+45.45%
Report date
Nov 13, 2025
NU Earnings Call Summary for Q3,2025
- Record Growth: 127 million customers, $4B revenue, $783M net income, and 31% ROE highlight scale and profitability.
- AI-Driven Efficiency: AI models reduce credit losses by 3x, enabling 20%+ credit limit increases in Brazil. Mexico's ARPAC of $12.5 mirrors Brazil's maturity.
- Mexico Expansion: 13M customers (14% adult pop), 34% YoY deposit growth, and 25% market share position for long-term growth.
- Risk Management: 6.8% 90+ NPL ratio, 27.7% efficiency ratio, and 9.9% risk-adjusted NIM reflect disciplined underwriting.
- Regulatory Challenges: Brazil FGTS headwinds offset by public payroll loans; Mexico interchange caps risk financial inclusion.
EPS
Revenue
Revenue & Expenses
NU has released its 2025 Q3 earnings report, with revenue of 4.17B, reflecting a YoY change of 41.78%, and net profit of 782.68M, showing a YoY change of 41.43%. 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.
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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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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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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Where does Nu Holdings (NU) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Nu Holdings (NU) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
You can ask Aime
What is the revenue and EPS growth rate for Nu Holdings year over year?What factors drove the changes in Nu Holdings's revenue and profit?What is Nu Holdings's gross profit margin?What guidance did Nu Holdings's management provide for the next earnings period?What is Nu Holdings's latest dividend and current dividend yield?What were the key takeaways from Nu Holdings’s earnings call?Did Nu Holdings beat or miss consensus estimates last quarter?What is the market's earnings forecast for Nu Holdings next quarter?
