Overall Performance - Nu reported a customer base of 123 million in Q2'25[17] - The company's revenue reached $3668 million in Q2'25, demonstrating a CAGR of 85%[22] - Gross profit amounted to $1548 million in Q2'25, with a CAGR of 78%[24] - Net income stood at $637 million in Q2'25[26] Key Metrics and Growth - Average Revenue Per Active Customer (ARPAC) increased to $12 in Q2'25[19] - The efficiency ratio was 28% in Q2'25[26] - Total portfolio reached $273 billion, showing a YoY growth of 40%[45] - Deposits totaled $366 billion, marking a YoY increase of 41%[57] Mexico Expansion - Mexico's customer base reached 12 million[90] - Deposits in Mexico amounted to $67 billion[92] - Credit card customers in Mexico numbered 66 million[94]

The Details: Nu Holdings reported quarterly earnings of 13 cents per share, in line with the analyst consensus estimate. Read Next: Retail Crowd's Top Stocks With Earnings This Week: Archer, Rigetti, Oklo And More Nu reported the following operational highlights: Nu Holdings Ltd. NU released its second-quarter results after Thursday's closing bell. Here's a look at the key figures from the quarter. NU istock is up after-hours. Get the details here. Quarterly revenue came in at $3.66 billion, which missed th ...

Credit Quality - Nu Holdings reported a decline in credit quality, aligning with analysts' expectations [1] - The company anticipates continued credit growth throughout the remainder of the year [1]

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of August, 2025 Commission File Number 001-41129 Nu Holdings Ltd. (Exact name of registrant as specified in its charter) Nu Holdings Ltd. (Translation of Registrant's name into English) Campbells Corporate Services Limited, Floor 4, Willow House, Cricket Square, KY1- 9010 Grand Cayman, Cayman Islands +1 345 949 2648 (Addres ...

Core Insights - Nu Holdings Ltd. (NU) is expected to report its second-quarter 2025 results on August 14, with earnings estimated at 13 cents, reflecting an 8.3% year-over-year growth, and revenues projected at $3.66 billion, indicating a 28.3% year-over-year growth [1][8] Earnings Performance - The company has a strong history of earnings surprises, having surpassed the Zacks Consensus Estimate in two of the last four quarters and matched it twice, with an average earnings surprise of 10% [2] Earnings Prediction - A likely earnings beat is anticipated for NU, supported by a positive Earnings ESP of +2.63% and a Zacks Rank of 2 (Buy), which enhances the probability of exceeding earnings expectations [3] Customer Growth - Significant year-over-year improvement in NU's top line is expected to be driven by strong customer growth, with the Zacks Consensus Estimate for active customers at 90 million, suggesting a 25.3% year-over-year increase [4][8] Business Model - NU's digital-first, scalable business model is designed for efficiency, with its flagship platform, NuBank, disrupting traditional banking in Brazil and establishing itself as a trusted financial brand in Latin America [5][9] Competitive Landscape - While NU continues to excel in Latin America, U.S.-based competitors like SoFi Technologies and Block are pursuing different growth strategies, with SoFi focusing on deepening customer relationships and Block enhancing its dual ecosystem approach [6][7] Market Positioning - NU's rapid customer acquisition in emerging markets distinguishes it from global fintech peers, presenting a compelling growth trajectory and positioning the company as a strong investment opportunity [9]

Financial Sector Performance - The S&P 500 Financials Sector index has delivered a total return of 25% over the past year, outperforming the S&P 500 index's gain of 20% [1][2] Upstart Holdings (UPST) - Upstart's stock is down 83% from its all-time high, despite posting strong Q2 results with earnings per share of $0.05 on sales of $257 million, exceeding analyst estimates [4][5] - Revenue increased by approximately 101% year-over-year, with loans originated up 159% to 372,599 [5] - The company achieved its first quarter of profitability in years, despite an operating loss of $4.5 million, which is an improvement from a $55.5 million loss in the same quarter last year [6] - Management's comments on inflation and competitive intensity led to a sell-off, but guidance suggests sales could increase by roughly 66% annually this year [7][9] Nu Holdings (NU) - Nu Holdings, a digital bank in Brazil, has about 60% of the adult population on its platform, with 85% of this group being active users [10][11] - The company holds only about 5% of the market share of gross profit, indicating significant growth potential through cross-selling and upselling [11] - In Mexico, customer count increased by 70% over the past year, with deposits more than doubling to $5 billion and revenue nearly doubling to $245 million [12] - Nu's cost to serve remains below $1, while average revenue per active customer has increased, reaching $25 for longtime customers compared to $40 for traditional banks [13] - The stock is down 23% from its high due to economic volatility in Brazil and the sale by Berkshire Hathaway, but continued high growth is expected to drive the stock higher over time [14]

Group 1 - The article discusses the cautious sentiment among investors regarding Nu Holdings due to interest rate hikes by the Brazilian Central Bank, which raised concerns about potential GDP growth slowdown [1] - The author has a long position in Nu Holdings, indicating a personal investment interest in the company's performance [1] Group 2 - There is no relevant content in this section regarding the company or industry [2]

Nu Holdings Ltd. (NU) closed the most recent trading day at $12.41, moving +1.55% from the previous trading session. The stock outpaced the S&P 500's daily loss of 0.08%. Elsewhere, the Dow lost 0.51%, while the tech-heavy Nasdaq added 0.35%. Prior to today's trading, shares of the company had lost 10.41% lagged the Finance sector's loss of 0.61% and the S&P 500's gain of 1.21%.Investors will be eagerly watching for the performance of Nu Holdings Ltd. in its upcoming earnings disclosure. The company's earni ...

Investment Strategy - The company focuses on identifying high-potential winners before they break out, emphasizing asymmetric opportunities with an upside potential of 2-3 times outweighing the downside risk [1] - The investment methodology includes leadership and management analysis, market disruption and competitive positioning, financial health and risk management, valuation and asymmetric risk/reward, and portfolio construction and risk control [1] Leadership & Management Analysis - Proven track record in scaling businesses is essential, along with smart capital allocation and insider ownership [1] - Consistent revenue growth and credible guidance are critical factors for evaluation [1] Market Disruption & Competitive Positioning - A strong technology moat and first-mover advantage are key competitive advantages [1] - Network effects that drive exponential growth and market penetration in high-growth industries are prioritized [1] Financial Health & Risk Management - Sustainable revenue growth with efficient cash flow is a focus area [1] - Maintaining a strong balance sheet and long-term survival runway is crucial [1] - Avoiding excessive dilution and financial weakness is emphasized [1] Valuation & Asymmetric Risk/Reward - Revenue multiples compared to peers and DCF modeling are used for valuation [1] - Institutional backing and market sentiment analysis are part of the evaluation process [1] - Ensuring downside protection while maximizing upside potential is a priority [1] Portfolio Construction & Risk Control - Core positions (50-70%) consist of high-confidence, stable plays [1] - Growth bets (20-40%) are allocated to high-risk, high-reward opportunities [1] - Speculative investments (5-10%) are made in moonshot disruptors with massive potential [1]

Group 1: Nu Holdings - Nu Holdings is an all-digital bank based in Brazil, also serving Mexico and Colombia, aiming to simplify banking for a broader population [4][5] - The bank has over half of Brazil's adult population as customers and is expanding rapidly in Mexico and Colombia, indicating significant growth potential [6] - In Q1 2025, Nu's revenue increased by 40% year over year, and net income rose by 74%, with 4.3 million new customers added in the quarter [7] - Nu's stock is currently trading at approximately $12.60 per share, making it accessible for investors with limited budgets [8] Group 2: SoFi Technologies - SoFi operates a digital financial services platform in the U.S., targeting a more affluent customer base with various financial products [9] - The company recently resumed cryptocurrency trading on its app, which could enhance customer engagement and product offerings [10] - In Q2 2025, SoFi added 850,000 new customers, a 34% increase year over year, and saw a significant rise in product adoption [11] - Adjusted net revenue for SoFi increased by 44% year over year to $858 million, with strong performance in both lending and financial services [12] - Financial services revenue surged by 106% year over year, contributing significantly to overall growth [13] - SoFi's stock is trading for less than $22 per share, presenting a potential investment opportunity for long-term growth [14]