Nu Holdings Ltd./$NU

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About Nu Holdings Ltd.

Nu Holdings Ltd provides digital banking services. It offers several financial services such as Credit cards, Personal accounts, Investments, Personal Loans, Insurance, Mobile payments, Business Accounts, and Rewards. The company earns the majority of its revenue in Brazil.

Ticker

$NU
Sector

Primary listing

NYSE

Employees

-

Headquarters

São Paulo, Brazil

Nu Holdings Ltd. Metrics

BasicAdvanced
$75B
32.92
$0.47
1.06
-

What the Analysts think about Nu Holdings Ltd.

Analyst ratings (Buy, Hold, Sell) for Nu Holdings Ltd. stock.

Bulls say / Bears say

Revenues in Q2 2025 reached a record $3.7 billion, marking a 40% year-over-year increase driven by higher interest income and gains on financial instruments (Reuters).
Net profit for Q2 2025 rose 42% year-over-year to $637 million, outperforming expectations and sending shares up over 8% in after-hours trading (Reuters).
Nu Holdings has applied for a U.S. national bank charter, positioning it to expand beyond Latin America into the American market and diversify its revenue base (Reuters).
Nu Holdings’ adjusted net profit of $606.5 million in Q1 2025 missed analysts’ consensus of $630.5 million, reflecting pressure on net interest margins and underperformance in Colombia (Reuters).
Asset quality showed signs of strain as the over-90-day delinquency ratio in Brazil’s consumer credit portfolio rose to 6.6% in Q2 2025, up 0.1 percentage point sequentially (Reuters).
CFO Guilherme Lago warned that, unlike the past three to five years where growth was driven by new customer additions, future revenue growth in Brazil will depend on deepening relationships with existing customers, potentially slowing the pace of top-line expansion (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.

Nu Holdings Ltd. Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Nu Holdings Ltd. Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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