FN2 Earnings Intelligence

Nu Holdings Ltd. earnings overview

Latest Nu Holdings Ltd. (NU) earnings intelligence, including the newest scorecard, market reaction, and transcript analysis.

Next reportNu Holdings Ltd. reports Thursday, Nov 12, 2026 · After market closeConsensus EPS $0.23 · consensus revenue $5.94B
NU FY2026 Q2 · Calendar Q3 2026

Nu Holdings Ltd.

The supplied analysis supports a constructive operating trajectory: customer growth, expanding credit and deposits, AI-enabled efficiency, and higher-income products provide potential growth drivers. The case remains conditional on sustaining risk-adjusted margins, maintaining credit quality, and executing new products and geographic expansion.

EPS surprise+10.9%
Market move+9.3%
NU FY2026 Q1 · Calendar Q2 2026

Nu Holdings Ltd.

The supplied analysis supports a constructive operating thesis for Nu: record revenue and net income, customer growth, AI-enabled efficiency, and SME expansion show continued demand and monetization. The thesis remains conditional on credit quality, provisions, regulatory conditions and disciplined execution of the U.S. rollout.

EPS surprise-3.6%
Market move-5.7%
NU FY2025 Q4 · Calendar Q1 2026

Nu Holdings Ltd.

The evidence supports a constructive but conditional view: strong demand, deeper product engagement, and AI-enabled execution can sustain growth, but the next phase depends on managing investment costs, regulation, and credit risk.

EPS surprise-4.9%
Market move-9.5%
NU FY2025 Q3 · Calendar Q4 2025

Nu Holdings Ltd.

The latest analysis supports a constructive operating thesis: customer growth, credit expansion, deeper engagement and AI-enabled underwriting are reinforcing Nu Holdings' growth and profitability profile. The case is tempered by margin pressure, regulatory changes and the absence of explicit forward guidance.

EPS surprise+6.3%
Market move+1.5%
NU FY2025 Q2 · Calendar Q3 2025

Nu Holdings Ltd.

The supplied analysis supports a constructive growth case for NU, but the durability of that case depends on deposit funding, credit quality and disciplined expansion.

EPS surprise+5.0%
Market move+9.1%

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