Nu Holdings Ltd. · NU · Next earnings

Nu Holdings Ltd. reports Thursday, Nov 12, 2026

NU reports after market close with consensus EPS at $0.23 and revenue at $5.96B. Last quarter: Nu Holdings posts record Q2 profit as credit and deposits grow

Reports After market close7 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $0.23 Calendar consensus
Consensus revenue $5.96B Calendar consensus
Report date Nov 12, 2026 Thursday, date estimated
Session After market close 7 days away

Where NU left off: FY2026 Q2

Full report

Nu Holdings posts record Q2 profit as credit and deposits grow

EPS surprise +10.9% Reported $0.22 vs $0.20
Revenue surprise +9.1% Reported $5.88B vs $5.39B
Stock move +9.3% Event window
Subsequent drift -5.4% Up to 20 sessions

No guidance was provided in the supplied analysis.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • A macroeconomic slowdown could weaken credit demand and asset quality.
  • Regulatory changes in Brazil or Mexico could affect operations.
  • Execution risk remains around AI deployment, new-product adoption and international expansion.

Questions analysts left open

  • Whether the 12% risk-adjusted net interest margin is sustainable.
  • Credit-quality trends and loan-mix effects on nonperforming loans.
  • How much AI contributes to margin expansion and the risk of over-reliance.

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Recent NU quarters

All NU earnings
+9.3%FY2026 Q2-5.7%FY2026 Q1-9.5%FY2025 Q4+1.5%FY2025 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.