The earnings call highlighted strong growth in customer base, revenue, and profit, alongside efficient scaling and expansion in key markets like Mexico and Colombia. However, challenges related to credit loss allowances, disruptions in the INSS system, and asset quality concerns were noted. The highlights significantly outweigh the lowlights, indicating a robust performance overall.

Company Guidance -

Q3 2025

During the second quarter of 2025, Nu Holdings reported strong financial performance, highlighted by an 85% annualized growth in revenues since 2021, reaching $3.7 billion. The company achieved a gross profit of $1.5 billion, reflecting a 78% annual increase, and reduced its efficiency ratio to 28.3%. Net income almost tripled over two years, reaching $637 million. Nu's customer base expanded to nearly 123 million, with a 34% ARPAC CAGR since 2021. The credit portfolio saw a 40% year-over-year growth, with secured lending up 200% and unsecured loans up 70%. The company maintained strong deposit growth, with total deposits at $36.6 billion, a 41% increase year-over-year. Despite ongoing investments, Nu Holdings emphasized sustainable results alongside growth, enhancing its multiproduct and multigeo platform.

Strong Customer Base Expansion

Nu Holdings' customer base expanded to nearly 123 million with over 4.1 million net additions, maintaining an activity rate above 83%.

Revenue and Profit Growth

Revenues reached $3.7 billion in Q2, representing an 85% annualized growth rate since 2021. Gross profit rose 78% annually, reaching $1.5 billion, and net income almost tripled to $637 million.

Efficient Scaling

Nu Holdings cut its efficiency ratio by more than half to 28.3% in Q2 2025, showcasing efficient scaling with strong earnings.

Expansion in Mexico and Colombia

In Mexico, Nu surpassed 12 million customers, serving 13% of the adult population. In Colombia, nearly 10% of the population uses Nu.

Nu Holdings (NU) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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NU Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 18, 2025	2025 (Q3)	0.15 / -	0.113	―	―	―
Aug 14, 2025	2025 (Q2)	0.13 / 0.13	0.1	30.00% (+0.03)
May 13, 2025	2025 (Q1)	0.12 / 0.11	0.078	46.15% (+0.04)
Feb 20, 2025	2024 (Q4)	0.12 / 0.11	0.08	41.25% (+0.03)
Nov 13, 2024	2024 (Q3)	0.11 / 0.11	0.062	82.26% (+0.05)
Aug 13, 2024	2024 (Q2)	0.10 / 0.10	0.05	100.00% (+0.05)
May 14, 2024	2024 (Q1)	0.08 / 0.08	0.039	100.00% (+0.04)
Feb 22, 2024	2023 (Q4)	0.08 / 0.08	0.02	300.00% (+0.06)
Nov 14, 2023	2023 (Q3)	0.06 / 0.06	0.01	520.00% (+0.05)
Aug 15, 2023	2023 (Q2)	0.04 / 0.05	0.004	1150.00% (+0.05)

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
Aug 14, 2025	$12.01	$13.10	+9.08%
May 13, 2025	$13.14	$13.49	+2.66%
Feb 20, 2025	$13.34	$10.82	-18.89%
Nov 13, 2024	$15.64	$15.19	-2.88%

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.