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Nu Holdings ( (NU) ) has issued an update.
Nu Holdings reported strong fourth-quarter and full-year 2025 results on February 25, 2026, highlighting rapid customer growth to 131 million, deepening engagement and solid asset quality. The company maintained an 83% activity rate and kept average monthly cost to serve per active customer at $0.80, underscoring the operating leverage of its digital banking model.
Quarterly revenue reached a record $4.9 billion and full-year revenue rose 45% year over year to $16.3 billion, driving 2025 net income to $2.9 billion and a record 33% return on equity. Deposits climbed 29% to $41.9 billion and the credit portfolio expanded 40% to $32.7 billion, leaving Nu with funding roughly twice its net credit book and ample liquidity to sustain growth.
Nu accelerated product and platform expansion in 2025, rolling out more than 100 new products and features, from payroll loans and expanded credit card offerings to under-18 cards and SME-focused tools, to boost monetization and engagement. The group cemented leadership in Brazil, expanded share in Mexico and Colombia, and advanced its AI-driven underwriting model, nuFormer, which supported the largest quarterly gain in Brazilian credit card market share in ten quarters.
Strategically, management framed 2026 as an inflection year, with Nu intent on consolidating dominance in core Latin American markets while building reusable, country-agnostic infrastructure for global scale. The company also progressed its U.S. ambitions, securing conditional OCC approval for a national bank charter in early 2026, even as it warned that stepped-up investment and platformization could create some near-term upward pressure on its efficiency ratio.
The most recent analyst rating on (NU) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on Nu Holdings stock, see the NU Stock Forecast page.
Spark’s Take on NU Stock
According to Spark, TipRanks’ AI Analyst, NU is a Outperform.
Nu Holdings’ strong financial performance and positive earnings call insights are the primary drivers of its high score. While technical indicators show bullish momentum, caution is advised due to potential overvaluation and regulatory challenges.
To see Spark’s full report on NU stock, click here.
More about Nu Holdings
Nu Holdings Ltd., listed on the NYSE as NU, operates one of the world’s largest digital financial services platforms, with a primary focus on Latin America. Through its Nubank brand, it offers digital banking, credit cards, lending, deposits, SME services and financial planning tools, targeting mass-market, SME and higher-income customers in Brazil, Mexico, Colombia and, increasingly, global markets.
Headquartered in São Paulo and incorporated in the Cayman Islands, Nu has become the largest private financial institution in Brazil by number of customers. The company is expanding rapidly in Mexico and Colombia and is laying groundwork for a future U.S. presence, positioning itself as a scalable global digital banking platform built on low-cost, AI-driven infrastructure.
Average Trading Volume: 43,317,514
Technical Sentiment Signal: Buy
Current Market Cap: $80.1B
See more data about NU stock on TipRanks’ Stock Analysis page.