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Nu Holdings Ltd. Class A (NU)
:NU
Earnings Data
Report Date
Aug 14, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.13Last Year’s EPS
0.1Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 13, 2025
|% Change Since: -9.13%
|Next Earnings Date:Aug 14, 2025
Earnings Call Sentiment|Positive
The earnings call reflects strong customer growth and expansion, particularly in Mexico, along with significant improvements in operating efficiency and net income. However, there are challenges related to credit loss allowance increases and funding cost pressures in emerging markets.Company Guidance
During the first quarter of 2025, NU Holdings reported significant growth and expansion, adding 4.3 million customers to reach a total of 119 million across Brazil, Mexico, and Colombia. In Brazil, they now serve approximately 59% of the adult population, with 85% of these customers being active users. NU Holdings also achieved a monthly active customer activity ratio above 83%, reflecting deep engagement. In Mexico, customer growth surged by 70% over the past four quarters, reaching 11 million customers and exceeding $5 billion in deposits on an FX-neutral basis. The company's consolidated net interest income (NII) grew by 34% year-over-year, reaching $1.8 billion, although consolidated net interest margins (NIM) slightly declined to 17.5%. NU's credit portfolio expanded to $24.1 billion, driven by a strong 64% year-over-year increase in total loan originations. Despite a 3% sequential decline in gross profit due to higher credit loss allowances, NU maintained a robust 27% annualized return on equity (ROE). The company emphasized its strategic focus on Brazil, Mexico, and Colombia, highlighting the opportunity to further grow revenue and improve operating leverage. Looking forward, NU aims to continue investing in its growth, with a particular emphasis on secured lending opportunities and expanding its digital banking footprint across Latin America.Strong Customer Growth
NU Holdings added 4.3 million customers in Q1 2025, reaching a total of 119 million across all markets, with significant increases in Brazil, Mexico, and Colombia.
Expansion in Mexico
Customer base in Mexico grew by 70% over the past four quarters, with deposits exceeding $5 billion and revenues reaching $245 million.
Record Loan Origination
Total loan originations hit a record $20.2 billion, increasing by 64% year-over-year, driven by strong unsecured loan performance.
Operating Efficiency Improvement
Efficiency ratio improved to 24.7%, a 740 basis point improvement year-over-year, showcasing operational efficiencies.
Net Income Growth
Net income increased by 74% year-over-year, reaching $557 million, with an annualized ROI of 27%.
New Banking License in Mexico
NU Holdings received a banking license in Mexico, which will accelerate growth and product offerings.
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 |
|---|---|---|---|
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% |
Aug 13, 2024 | $12.71 | $13.38 | +5.27% |
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 Ltd. Class A (NU) report earnings?
Nu Holdings Ltd. Class A (NU) is schdueled to report earning on Aug 14, 2025, TBA Not Confirmed.
What is Nu Holdings Ltd. Class A (NU) earnings time?
Nu Holdings Ltd. Class A (NU) earnings time is at Aug 14, 2025, TBA Not 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 2025 (Q2) is 0.13.
