Nu Holdings Ltd. ( NU ) Q3 2025 Earnings Call November 13, 2025 5:00 PM EST Company Participants Guilherme Souto - Investor Relations Officer & Director of Market Intelligence David Velez-Osomo - Founder, Chairman & CEO Guilherme Marques do Lago - Chief Financial Officer Conference Call Participants Yuri Fernandes - JPMorgan Chase & Co, Research Division Jorge Kuri - Morgan Stanley, Research Division Pedro Leduc - Itaú Corretora de Valores S.A.
While the top- and bottom-line numbers for Nu (NU) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Nu Holdings Ltd. (NU) came out with quarterly earnings of $0.17 per share, beating the Zacks Consensus Estimate of $0.15 per share.
Nu (NU) could produce exceptional returns because of its solid growth attributes.
NU's expanding customer base, strong Latin American presence and scalable digital model position it for sustained growth ahead of Q3 results.
Investors often turn to recommendations made by Wall Street analysts before making a Buy, Sell, or Hold decision about a stock. While media reports about rating changes by these brokerage-firm employed (or sell-side) analysts often affect a stock's price, do they really matter?
Nu Holdings remains a Strong Buy due to exceptional unit economics, rapid customer growth, and robust recurring revenue streams in Latin America. NU's low customer acquisition costs, high margins, and strong cross-sell strategy have driven impressive revenue and earnings growth. Despite a premium P/E valuation, the company's growth trajectory supports 30% annualized returns through 2030, with a potential price target above $60 in five years.
Nu (NU) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Nu Holdings' Q3 results (scheduled for November 13) come as the bank enters a mature phase of profitable scaling, with margins and efficiency back in focus. Risk-adjusted NIM is set to improve as front-loaded provisions in 1H25 fade and funding costs decline across Brazil, Mexico, and Colombia. Gross margin expansion and a stable cost to serve highlight NU's strong operating leverage, supporting sustained earnings growth despite higher credit expenses.
On Sept. 30, Nu Holdings Ltd. NYSE: NU announced that it had applied for a national bank license in the United States.
Nu (NU) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
Nu (NU) could produce exceptional returns because of its solid growth attributes.