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Nu Holdings (NU)
NYSE:NU
Earnings Data
Report Date
May 14, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.2Last Year’s EPS
0.11Same Quarter Last Year
Strong Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a strongly positive operating performance: robust customer growth, significant revenue and profit expansion, improving monetization (ARPAC), large credit and deposit growth, strong capital/liquidity buffers, and tangible AI/product progress. Near‑term headwinds and noise include regulatory changes to FGTS that reduced secured originations, several one‑time charges (Prosofipo, return‑to‑office provisions), and expected short‑term pressure on the efficiency ratio from deliberate investments in AI, global expansion and office reopening. Asset quality trends are broadly stable but subject to normal seasonality and higher provisions driven by growth. Overall, positive fundamentals and strategic positioning outweigh the manageable and largely explicit near‑term challenges.Company Guidance
Strong Customer Growth and Engagement
Total customers reached 131 million, +17 million net adds in 2025; activity rate at 83%, supporting scale and engagement metrics across markets.
Revenue and Profitability Expansion
Q4 revenues reached $4.9 billion, +45% year‑over‑year; gross profit nearly $2.0 billion, +38% year‑over‑year; net income $895 million, +50% year‑over‑year, delivering a record ROE of 33%.
Higher Monetization per Active Customer
ARPAC reached $15 per active customer, up ~9% quarter‑over‑quarter and +27% year‑over‑year, driven by deeper cross‑sell and platform monetization.
Credit Portfolio and Originations Growth
Total loan portfolio $32.7 billion, +40% year‑over‑year; unsecured lending balances surpassed $8 billion with record originations of $4.0 billion in Q4; credit cards grew 12.2% quarter‑over‑quarter (strongest quarterly growth since end‑2023).
Deposit Base and Funding Resilience
Total deposits $41.9 billion, +29% year‑over‑year with geographic diversification; available funding $38.8 billion (~2x net credit portfolio of $19 billion), and consolidated funding cost improved (deposit cost declined to 87% of interbank rate).
Operational Leverage — Efficiency Ratio Improvement
Under the new managerial methodology, the efficiency ratio fell to 19.9% (below 20% for first time), reflecting net revenues growing faster than operating expenses despite Q4 seasonality.
Asset Quality Trends and Coverage
Early‑stage delinquencies (15–90 days) improved 20 bps to 4.1%; 90+ NPLs declined 10 bps to 6.6%; coverage ratios remain strong and management reports no signs of deterioration.
Strategic Product and Tech Advances
Launched >100 new products/features in 2025; nuFormer foundation model in production for credit decisioning in Brazil and testing in other use cases; Pix with AI surpassed 10 million MAUs; conditional OCC approval for a U.S. national bank charter to support international expansion.
Capital Strength and Liquidity
Holdings level capital $8.9 billion (including $3.6 billion for regulatory requirements and $3.0 billion unrestricted at Nu Holdings level); $2.2 billion excess capital in operating entities to fund growth and global plans.
Managerial P&L and Disclosure Enhancement
Introduced a managerial P&L framework (reconciled to IFRS) to improve visibility on margins, operating leverage and cross‑product value creation; historical data restated back to Q1 2021.
NU Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NU Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 25, 2026 | $16.65 | $15.06 | -9.55% |
Nov 13, 2025 | $15.59 | $15.82 | +1.48% |
Aug 14, 2025 | $12.01 | $13.10 | +9.08% |
May 13, 2025 | $13.14 | $13.49 | +2.66% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Nu Holdings (NU) report earnings?
Nu Holdings (NU) is schdueled to report earning on May 14, 2026, After Close (Confirmed).
What is Nu Holdings (NU) earnings time?
Nu Holdings (NU) earnings time is at May 14, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NU EPS forecast?
NU EPS forecast for the fiscal quarter 2026 (Q1) is 0.2.
