Nu Holdings Ltd (NU) Q4 2025 Earnings Call Highlights: Record Growth and Strategic Expansion [Yahoo! Finance]
Nu Holdings Ltd. (NU)
Company Research
Source: Yahoo! Finance
This article first appeared on GuruFocus Revenue: $4.9 billion in Q4 2025, up 45% year-over-year. Gross Profit: Nearly $2 billion in Q4 2025, up 38% year-over-year. Net Income: $895 million in Q4 2025, with a record 33% return on equity. Customer Base: 131 million customers, with 17 million net new customers added in 2025. ARPAC (Average Revenue Per Active Customer): $15, up 9% quarter-over-quarter and 27% year-over-year. Total Portfolio: $32.7 billion, up 40% year-over-year. Deposits: $41.9 billion, up 29% year-over-year. Net Interest Income: Increased 13% quarter-over-quarter. Efficiency Ratio: 19.9%, falling below 20% for the first time. Capital and Liquidity: Total capital of $8.9 billion, with $3 billion as unrestricted cash at Nu Holdings level. Warning! GuruFocus has detected 6 Warning Signs with FLUIF. Is NU fairly valued? Test your thesis with our free DCF calculator. Release Date: February 25, 2026 For the complete transcript of the earnings call
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News
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NU
Earnings
- 11/13/25 - Beat
NU
Sec Filings
- 2/25/26 - Form 6-K
- 2/25/26 - Form 6-K
- 2/25/26 - Form 6-K
- NU's page on the SEC website