Nu Holdings Ltd.(NU)Earnings, Financials & Key RatiosNu Holdings Ltd. (NU) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the bank exhibits strong growth with a 63.6% EPS increase in 2026Q1, the high provision-to-net-income ratio of 1.95 warrants caution regarding the long-term quality of the unsecured loan book.
Nu Holdings Ltd. (NU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Nu Holdings Ltd. (NU) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 14, 2026 | $0.19vs $0.20-3.6% | $5.0Bvs $5.1B-1.8% |
| Q1 2026 | Feb 25, 2026 | $0.19vs $0.20-4.9% | $4.9Bvs $4.6B+7.7% |
| Q4 2025 | Nov 13, 2025 | $0.17vs $0.16+6.3% | $4.0Bvs $3.5B+13.7% |
| Q3 2025 | Aug 14, 2025 | $0.14vs $0.13+5.0% | $3.5Bvs $3.2B+11.0% |
Recent stock market news and headlines for Nu Holdings Ltd. (NU)
Nu Holdings Ltd. remains a buy due to robust growth metrics and a long runway targeting Latin America's unbanked. NU's digital-only model and strong capital structure provide a competitive edge over less efficient Latin American banks, supporting sustained 20%+ earnings growth. NU's valuation has improved: it trades at a 21x P/E and a 0.44 PEG, reflecting high margins and growth potential relative to peers.
Nu is growing fast and expanding into new markets. It had been getting expensive, but it's not anymore.
Nu continues its rapid expansion across Latin America, reaching 135 million customers by early 2026. OneMain maintains a steady presence in the U.S. nonprime lending market through its hybrid digital and branch network.
Nu Holdings is rapidly expanding in Latin America, driving strong net income growth and customer monetization through credit portfolio expansion. NU trades at a deeply discounted 11.8x P/E, well below both U.S. Fintech peers and its own historical average, signaling significant undervaluation. Robust credit card and unsecured lending growth have fueled a 12% Q/Q increase in net interest income, reaching $3.3B last quarter.
Nu Holdings remains a Strong Buy despite an 18% stock decline and delayed bull case realization. Top and bottom-line acceleration, undervaluation, and premium fundamentals underpin my bullish stance on NU. The fintech market's potential to triple offers a significant multi-year tailwind for NU's growth prospects.
Key metrics vs top competitors for Nu Holdings Ltd. (NU)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $13.61 | $65.91B | 23.47 | 42.99% | 18.07% | 30.25% | — | |
| $17.75 | $22.77B | 45.51 | 28.78% | 11.22% | 6.25% | — | |
| $83.62 | $27.85B | 557.47 | 38.8% | 11.95% | 11.17% | — | |
| $33.06 | $3.16B | 73.47 | 58.87% | 4.25% | 6.59% | — | |
| $19.21 | $2.21B | 16.70 | 14.97% | 10.17% | 9.47% | — | |
| $383.96 | $5.16B | 28.38 | 47.49% | 40.81% | 84.53% | — |
Nu Holdings Ltd. (NU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Nu Holdings Ltd. (NU) stock FAQ — growth, dividends, profitability & financials explained
Nu Holdings Ltd. (NU) grew revenue by 43.0% over the past year. This is strong growth.
Yes, Nu Holdings Ltd. (NU) is profitable, generating $3.18B in net income for fiscal year 2025 (18.1% net margin).
Nu Holdings Ltd. (NU) has a return on equity (ROE) of 30.2%. This is excellent, indicating efficient use of shareholder capital.
Nu Holdings Ltd. (NU) has a net interest margin (NIM) of 9.9%. This indicates healthy earnings from lending activities.
Nu Holdings Ltd. (NU) has an efficiency ratio of 20.5%. This is excellent, indicating strong cost control.
