Nu Holdings Ltd (NU) Q1 2025 Earnings Call Highlights: Record Customer Growth and Strategic ...
Written by Emily J. Thompson, Senior Investment Analyst
Updated: May 14 2025
0mins
Source: Yahoo Finance
Customer Growth and Financial Performance: Nu Holdings Ltd added 4.3 million customers in Q1 2025, reaching a total of 119 million, with significant revenue growth in Mexico and a record loan origination of BRL20.2 billion, reflecting a 64% year-over-year increase.
Operational Efficiency and Risk Management: The company improved its efficiency ratio to 24.7% while facing challenges such as increased credit loss allowance and declining net interest margins; however, it remains optimistic about future growth in secured lending and profitability in key markets like Brazil, Mexico, and Colombia.
Analyst Views on NU
Wall Street analysts forecast NU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NU is 18.80 USD with a low forecast of 16.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
7 Buy
2 Hold
0 Sell
Strong Buy
Current: 18.000
Low
16.00
Averages
18.80
High
22.00
Current: 18.000
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.
