Down 12% This Year, Nubank Plans a ‘100b Pivot’ And Investors Are Taking Note | NU

Quick Read Nu Holdings (NU) reported Q4 2025 net income of $895M (+62% YoY), full-year revenue of $15.77B, and achieved an efficiency ratio of 19.9%—the first time below 20%—while serving 131M customers and receiving conditional OCC approval for a U.S. national bank charter. SoFi Technologies (SOFI) has declined 35.45% year-to-date, suggesting broader sector de-rating pressures on high-growth digital banks. Nu’s fully digital model and AI credit-decisioning system (nuFormer) deliver world-class operati ...