Nu Holdings reports Q4 revenue $4.9B, consensus $4.55B

“In Q4’25, we increased scale, deepened engagement, and expanded profitability, closing the year with 131 million customers and 17 million net adds in 2025, while ARPAC reached $15. Strong engagement and higher monetization drove record quarterly revenues of $4.9 billion. This performance, combined with operating leverage and disciplined risk management, resulted in an all-time high net income of $895 million and a ROE of 33%. These results reflect our ability to combine disciplined growth with sustained profitability, while continuing to invest in our core markets. As we enter 2026, we remain fully focused on winning in Latin America, while building the capabilities that will allow Nubank to evolve into a global digital banking platform over time,” says David Velez, founder and CEO of Nubank.