Is Nu Holdings Stock a Smart Buy Before Q3 Earnings Report?

Core Insights - Nu Holdings Ltd. (NU) is set to report its third-quarter 2025 results on November 13, with earnings expected to grow by 25% year-over-year to 15 cents and revenues projected at $4 billion, indicating a 37.2% year-over-year growth [1][8]. Financial Estimates - The Zacks Consensus Estimate for the current quarter (Q3 2025) is $4.04 billion in revenue, with a range between $4.02 billion and $4.05 billion [2]. - For the current year (2025), the revenue estimate stands at $15.22 billion, reflecting a year-over-year growth of 32.15% [2]. - The earnings per share (EPS) estimate for Q3 2025 is 15 cents, with a year-over-year growth of 25% from 12 cents in the previous year [3][8]. Customer Growth and Market Position - The anticipated revenue growth is attributed to strong customer expansion and increased market adoption of NU's services [12]. - NU's digital-first, scalable business model has disrupted traditional banking, particularly in Brazil, and is gaining traction in Mexico and Colombia, positioning the company as a regional leader in Latin America [13][16]. Competitive Landscape - NU's growth strategy contrasts with U.S.-based peers like SoFi Technologies and Block, which focus on deepening customer relationships and dual ecosystem approaches, respectively [14][15]. - NU's rapid customer acquisition in emerging markets highlights its distinct momentum in the global fintech landscape [15]. Investment Potential - The company is viewed as a compelling investment opportunity ahead of its earnings report, driven by an expanding customer base, rising engagement, and a strong market presence [16]. - NU's low-cost, scalable digital banking model supports profitability while enhancing financial inclusion in emerging markets, reinforcing its potential for long-term value creation [16][17].