Nu (NU) Q3 Earnings: Analyzing Key Metrics Against Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 14 2025
0mins
Should l Buy NU?
Source: NASDAQ.COM
Nu Holdings Financial Performance: For Q3 2025, Nu Holdings Ltd. reported a revenue of $4.17 billion, a 41.8% increase year-over-year, with an EPS of $0.17, surpassing both revenue and EPS estimates.
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Analyst Views on NU
Wall Street analysts forecast NU stock price to rise
9 Analyst Rating
7 Buy
2 Hold
0 Sell
Strong Buy
Current: 16.820
Low
16.00
Averages
18.80
High
22.00
Current: 16.820
Low
16.00
Averages
18.80
High
22.00
About NU
Nu Holdings Ltd is a Brazil-based holding company, which engages in the provision of digital banking services. The Company offers its customers products across the five financial seasons: spending, saving, investing, borrowing, and protecting. Its spending solutions are designed to help customers pay for goods and services in their everyday lives with a customized credit line or instantly through a mobile phone, while collecting loyalty points and rewards on applicable transactions. Its savings solutions are designed to help customers deposit, manage, and save their money in interest-earning accounts with complementary debit cards. Its investing solutions are designed to help customers invest their money in investment products and services. Its borrowing solutions are designed to provide customers with unsecured loans that are easy to receive, manage, and pay back. Its protecting solutions are designed to help customers secure life insurance and funeral benefits.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Investment Opportunities in Fintech Stocks
- Nu Holdings Rapid Growth: As of Q3 2025, Nu Holdings boasts 106 million active users, showcasing significant year-over-year growth that highlights its strong appeal in the Latin American market, with expectations for continued revenue expansion.
- SoFi Customer Base Expansion: SoFi's customer count reached 13.7 million by the end of 2025, reflecting a 35% year-over-year increase, indicating widespread acceptance of its online banking application and market penetration, with further revenue growth anticipated.
- Significant Revenue Growth: SoFi's revenue surged 2,900% over the past five years to $4.77 billion, achieving profitability, which underscores the sustainability of its business model and strong market demand.
- Improved Profitability: Nu Holdings reported a 42% year-over-year revenue increase to $4.2 billion in the last quarter, with net income rising to $783 million, demonstrating its ability to maintain profitability while rapidly expanding, suggesting greater profit growth potential ahead.
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Robinhood and Nu Holdings Show Strong Financial Performance
- Robinhood Customer Growth: In 2025, Robinhood's customer base grew by 7% year-over-year to over 27 million, while average revenue per user surged by 16%, indicating the company's ability to attract new clients while enhancing customer value, thereby strengthening its market competitiveness.
- Revenue and Profit Growth: Robinhood's revenue increased by 27% year-over-year, and despite a 38% drop in cryptocurrency revenue due to Bitcoin's slump, the trading volume in its prediction markets reached 8.5 billion in Q4, showcasing the company's growth potential in new business areas.
- Nu Holdings Market Leadership: As the largest online bank in Latin America, Nu Holdings serves over 60% of adults in Brazil, achieving a 39% year-over-year revenue growth in Q3 2025, with customer numbers rising to 127 million, reflecting its strong performance in a rapidly growing market.
- Margin Improvement: Nu Holdings' net income surged by 41% year-over-year, securing a net profit margin of 41%, while customer balances in credit cards and loans rose by 45% and 58%, respectively, indicating a promising outlook for the company in terms of high-growth product lines and rising margins.
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Druckenmiller's Duquesne Invests in Brazilian Stocks, U.S. Financial Sector, and Airlines
- New Investments: Investor Stanley Druckenmiller's Duquesne Family Office acquired new stakes in U.S. financial companies, Brazilian stocks, and U.S. airlines during the fourth quarter.
- Increased Holdings: The firm also increased its investments in major tech companies, specifically Google and Amazon.
See More
Analysis of Investment Opportunities in Digital Banks
- Latin American Market Potential: Nu Holdings offers various banking products in Latin America, achieving over 60% customer coverage in Brazil and 13 million and 4 million customers in Mexico and Colombia, respectively, indicating strong growth potential in the unbanked population, with revenue expected to rise 123% from 2025 to 2028.
- Profitability Improvement: Nu's net income margin reached 18.8% in Q3, a significant improvement from a net loss in the same period of 2021, with monthly revenue per active customer at $13.40, far exceeding the $0.90 cost to serve, showcasing excellent unit economics and risk management capabilities.
- Innovation-Driven Growth: SoFi Technologies achieved adjusted net revenue of $3.6 billion in 2025, up 38% year-over-year, and added 1 million net new customers in Q4, bringing total membership to 13.7 million, enhancing customer stickiness through a diverse product offering.
- Future Growth Expectations: SoFi's adjusted net income grew by 112% in 2025, with projections for a 72% increase in 2026, and management forecasts a compound annual growth rate of 40% in earnings per share from 2025 to 2028, indicating strong profitability growth potential.
See More
Future Potential of Digital Bank Stocks
- Nu Holdings Growth Momentum: As an all-digital bank in Brazil, Nu Holdings has attracted over 60% of the adult population, onboarding 1 million new users monthly, indicating significant potential in the Latin American market and expected to continue rewarding investors.
- Market Expansion Plans: Nu is applying for a banking charter in the U.S. to further expand its market, with substantial growth opportunities in Mexico and Colombia, strategically enhancing its competitive position.
- SoFi Customer Growth: SoFi added 1 million customers in Q4 2025, a 35% year-over-year increase, bringing total users to nearly 13.7 million, showcasing rapid expansion in the U.S. financial market with significant future growth potential.
- Significant Revenue Growth: SoFi's financial services revenue surged 78% year-over-year in Q4, with contribution profit doubling, indicating success in non-lending services and positioning it to continue outperforming other bank stocks.
See More
Analysis of Emerging South American Company Inter & Co
- Company Overview: Inter & Co (NASDAQ:INTR) is an emerging company from South America focused on fintech, aiming to enhance customer experience through innovative services and drive business growth.
- Market Comparison: The video compares Inter & Co with Nu Holdings, highlighting differences in market positioning and customer base, showcasing Inter & Co's potential in the competitive landscape.
- Latest Developments: The video also mentions recent news about CoreWeave, although details are sparse, it suggests advancements in technological innovation that could impact the industry.
- Viewing Recommendation: Viewers are encouraged to watch the video for more insights and consider subscribing for future updates, indicating the content creator's emphasis on audience engagement.
See More
Investment Opportunities in Fintech Stocks
- Nu Holdings Rapid Growth: As of Q3 2025, Nu Holdings boasts 106 million active users, showcasing significant year-over-year growth that highlights its strong appeal in the Latin American market, with expectations for continued revenue expansion.
- SoFi Customer Base Expansion: SoFi's customer count reached 13.7 million by the end of 2025, reflecting a 35% year-over-year increase, indicating widespread acceptance of its online banking application and market penetration, with further revenue growth anticipated.
- Significant Revenue Growth: SoFi's revenue surged 2,900% over the past five years to $4.77 billion, achieving profitability, which underscores the sustainability of its business model and strong market demand.
- Improved Profitability: Nu Holdings reported a 42% year-over-year revenue increase to $4.2 billion in the last quarter, with net income rising to $783 million, demonstrating its ability to maintain profitability while rapidly expanding, suggesting greater profit growth potential ahead.
See More
Robinhood and Nu Holdings Show Strong Financial Performance
- Robinhood Customer Growth: In 2025, Robinhood's customer base grew by 7% year-over-year to over 27 million, while average revenue per user surged by 16%, indicating the company's ability to attract new clients while enhancing customer value, thereby strengthening its market competitiveness.
- Revenue and Profit Growth: Robinhood's revenue increased by 27% year-over-year, and despite a 38% drop in cryptocurrency revenue due to Bitcoin's slump, the trading volume in its prediction markets reached 8.5 billion in Q4, showcasing the company's growth potential in new business areas.
- Nu Holdings Market Leadership: As the largest online bank in Latin America, Nu Holdings serves over 60% of adults in Brazil, achieving a 39% year-over-year revenue growth in Q3 2025, with customer numbers rising to 127 million, reflecting its strong performance in a rapidly growing market.
- Margin Improvement: Nu Holdings' net income surged by 41% year-over-year, securing a net profit margin of 41%, while customer balances in credit cards and loans rose by 45% and 58%, respectively, indicating a promising outlook for the company in terms of high-growth product lines and rising margins.
See More
Druckenmiller's Duquesne Invests in Brazilian Stocks, U.S. Financial Sector, and Airlines
- New Investments: Investor Stanley Druckenmiller's Duquesne Family Office acquired new stakes in U.S. financial companies, Brazilian stocks, and U.S. airlines during the fourth quarter.
- Increased Holdings: The firm also increased its investments in major tech companies, specifically Google and Amazon.
See More
Analysis of Investment Opportunities in Digital Banks
- Latin American Market Potential: Nu Holdings offers various banking products in Latin America, achieving over 60% customer coverage in Brazil and 13 million and 4 million customers in Mexico and Colombia, respectively, indicating strong growth potential in the unbanked population, with revenue expected to rise 123% from 2025 to 2028.
- Profitability Improvement: Nu's net income margin reached 18.8% in Q3, a significant improvement from a net loss in the same period of 2021, with monthly revenue per active customer at $13.40, far exceeding the $0.90 cost to serve, showcasing excellent unit economics and risk management capabilities.
- Innovation-Driven Growth: SoFi Technologies achieved adjusted net revenue of $3.6 billion in 2025, up 38% year-over-year, and added 1 million net new customers in Q4, bringing total membership to 13.7 million, enhancing customer stickiness through a diverse product offering.
- Future Growth Expectations: SoFi's adjusted net income grew by 112% in 2025, with projections for a 72% increase in 2026, and management forecasts a compound annual growth rate of 40% in earnings per share from 2025 to 2028, indicating strong profitability growth potential.
See More
Future Potential of Digital Bank Stocks
- Nu Holdings Growth Momentum: As an all-digital bank in Brazil, Nu Holdings has attracted over 60% of the adult population, onboarding 1 million new users monthly, indicating significant potential in the Latin American market and expected to continue rewarding investors.
- Market Expansion Plans: Nu is applying for a banking charter in the U.S. to further expand its market, with substantial growth opportunities in Mexico and Colombia, strategically enhancing its competitive position.
- SoFi Customer Growth: SoFi added 1 million customers in Q4 2025, a 35% year-over-year increase, bringing total users to nearly 13.7 million, showcasing rapid expansion in the U.S. financial market with significant future growth potential.
- Significant Revenue Growth: SoFi's financial services revenue surged 78% year-over-year in Q4, with contribution profit doubling, indicating success in non-lending services and positioning it to continue outperforming other bank stocks.
See More
Analysis of Emerging South American Company Inter & Co
- Company Overview: Inter & Co (NASDAQ:INTR) is an emerging company from South America focused on fintech, aiming to enhance customer experience through innovative services and drive business growth.
- Market Comparison: The video compares Inter & Co with Nu Holdings, highlighting differences in market positioning and customer base, showcasing Inter & Co's potential in the competitive landscape.
- Latest Developments: The video also mentions recent news about CoreWeave, although details are sparse, it suggests advancements in technological innovation that could impact the industry.
- Viewing Recommendation: Viewers are encouraged to watch the video for more insights and consider subscribing for future updates, indicating the content creator's emphasis on audience engagement.
See More
