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Dec 31, 2025
Nu Q4 2025 Earnings Report
Nu delivered record quarterly revenue and profitability in Q4 2025, driven by strong customer growth, higher monetization and operating leverage.
Key Takeaways
Nu reported record Q4 revenue of 4900000000 and net income of 894800000, supported by rising ARPAC, expanding credit portfolio and disciplined cost control. The company reached 131000000 customers and achieved a 33% ROE.
Revenue reached 4900000000 in Q4 2025.
Net income rose to 894800000, up 50% year over year.
Gross profit totaled 1960000000, up 38% year over year.
Customer base expanded to 131000000 with ARPAC at 15.
Forward Guidance
Nu views 2026 as an inflection year focused on strengthening leadership in core markets, expanding SME and high-income segments, advancing its Mexico banking license and building capabilities to evolve into a global digital banking platform.
Positive Outlook
- Continued focus on Brazil and Mexico growth.
- Expansion into SME and high-income segments.
- Advancement of Mexico banking license.
- Operational foundations for U.S. opportunity.
- Deeper AI adoption to drive long-term growth.
Challenges Ahead
- Near-term upward pressure on efficiency ratio from strategic investments.
- Execution risks tied to international expansion.
- Regulatory approval dependencies in multiple jurisdictions.
- Macroeconomic sensitivity across Latin America.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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