Group 1 - Nu Holdings Ltd. reported second-quarter earnings of 13 cents per share, aligning with analyst estimates, while revenue was $3.66 billion, missing expectations [1] - The company's customer base increased by 17% year-over-year to 122.7 million, with Monthly Average Revenue per Active Customer reaching $12.2, up 18% year-over-year [1] - Goldman Sachs analyst Tito Labarta maintained a Buy rating on Nu Holdings and raised the price forecast from $19 to $20, citing robust loan growth and stable asset quality as key drivers for potential net interest margin (NIM) expansion [2][3] Group 2 - Nu Holdings anticipates stable NIMs in Brazil, with potential gains in Mexico and Colombia, supported by recent deposit growth from stronger customer engagement [3] - Management expects funding costs in Brazil to remain stable, while lower deposit rates in Mexico and Colombia, along with product enhancements, are expected to reduce funding costs without significant outflows [3] - Labarta kept the 2025 reported net income forecast at $2.8 billion, with 2026 and 2027 estimates at $4.5 billion and $6.1 billion respectively [4] Group 3 - NU shares increased by 10.07% to $13.22 [5]