View ValuationNu Holdings 향후 성장Future 기준 점검 6/6Nu Holdings (는) 각각 연간 20% 및 43.2% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 21.5% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 32% 로 예상됩니다.핵심 정보20.0%이익 성장률21.45%EPS 성장률Banks 이익 성장12.1%매출 성장률43.2%향후 자기자본이익률32.00%애널리스트 커버리지Good마지막 업데이트17 Jul 2026최근 향후 성장 업데이트Breakeven Date Change • Jul 07Forecast breakeven date moved forward to 2023The 12 analysts covering Nu Holdings previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of US$17.3m in 2023. Average annual earnings growth of 70% is required to achieve expected profit on schedule.Breakeven Date Change • Jun 17Forecast breakeven date pushed back to 2024The 14 analysts covering Nu Holdings previously expected the company to break even in 2023. New consensus forecast suggests losses will reduce by 50% per year to 2023. The company is expected to make a profit of US$630.6m in 2024. Average annual earnings growth of 76% is required to achieve expected profit on schedule.모든 업데이트 보기Recent updates공고 • Jul 07Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026. Location: rua capote valente, 39, pinheiros, sao paulo - sp, 05409-000, sao paulo Brazil공고 • Jun 19Nu Holdings Ltd. to Report Q2, 2026 Results on Aug 13, 2026Nu Holdings Ltd. announced that they will report Q2, 2026 results on Aug 13, 2026공고 • Jun 17Nu Holdings Ltd. to Report Q3, 2026 Results on Nov 12, 2026Nu Holdings Ltd. announced that they will report Q3, 2026 results on Nov 12, 2026공고 • Jun 05Nu Holdings Ltd. (NYSE:NU) announces an Equity Buyback for $1,000 million worth of its shares.Nu Holdings Ltd. (NYSE:NU) announces a share repurchase program. Under the program, the company will repurchase up to $1,000 million worth of its shares. The repurchases will be funded using cash balances derived from retained and future earnings and the acquired shares will either be retained in treasury or canceled. The program is valid for a 12 month period ending on June 3, 2027.공고 • Jun 02Nubank Announces CFO ChangesNubank announced the appointment of Rob Livingston as Chief Financial Officer, effective July 13, 2026, succeeding Guilherme Lago, who transitioned to the role of Special Advisor after five years as CFO and seven years at Nu. Lago will support the transition through August 31, 2026, and will remain as a Special Advisor to the Management Team of Nu Holdings and to its Audit and Risk Committee, advising on corporate development and other strategic matters. Livingston will be responsible for leading Nubank’s global finance organization, including capital and liquidity planning, financial reporting, corporate development, tax and investor relations. Rob Livingston brought more than 30 years of experience in financial services across North America, Europe and Asia. He joined Nubank from Visa, where he recently served as CFO for North America, the company's largest business. Over more than 12 years at Visa, he also led Corporate Finance and Investor Relations for Visa Inc., served as CFO for Visa Europe and board member of Visa Europe Limited, and had business leadership roles in China and Canada. Prior to Visa, Livingston spent 18 years at Capital One, with deep experience in credit, marketing and finance and senior leadership roles including President of Capital One Canada, Divisional CFO, and serving as a Senior Credit Officer at the company. He holds a BA in Economics from Yale University. Under Lago’s tenure as CFO, Nubank scaled from a regional fintech to one of the world’s largest digital banking platforms, broadened its product portfolio across Brazil, Mexico and Colombia, and strengthened its balance sheet, profitability and capital position.Reported Earnings • May 17First quarter 2026 earnings released: EPS: US$0.18 (vs US$0.12 in 1Q 2025)First quarter 2026 results: EPS: US$0.18 (up from US$0.12 in 1Q 2025). Revenue: US$1.98b (up 44% from 1Q 2025). Net income: US$872.1m (up 56% from 1Q 2025). Profit margin: 44% (up from 40% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 65% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.Reported Earnings • Feb 26Full year 2025 earnings released: EPS: US$0.59 (vs US$0.41 in FY 2024)Full year 2025 results: EPS: US$0.59 (up from US$0.41 in FY 2024). Revenue: US$6.99b (up 27% from FY 2024). Net income: US$2.87b (up 46% from FY 2024). Profit margin: 41% (up from 36% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 52% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 44% per year, which means it is significantly lagging earnings growth.New Risk • Feb 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.공고 • Jan 30+ 1 more updateNu Holdings Appoints Roberto Campos Neto as Chairman of the Board of Directors for US National Bank SubsidiaryNu Holdings announced that Roberto Campos Neto, former President of the Central Bank of Brazil, will serve as Chairman of the Board of Directors for its newly approved US national bank, Nubank, N.A. The US organization will be led by Nu's co-founder Cristina Junqueira, who has relocated to the US to spearhead the bank’s development and long-term growth.공고 • Jan 22+ 1 more updateNu Holdings Ltd. to Report Q4, 2025 Results on Feb 25, 2026Nu Holdings Ltd. announced that they will report Q4, 2025 results at 4:00 PM, US Eastern Standard Time on Feb 25, 2026Reported Earnings • Nov 14Third quarter 2025 earnings released: EPS: US$0.16 (vs US$0.12 in 3Q 2024)Third quarter 2025 results: EPS: US$0.16 (up from US$0.12 in 3Q 2024). Revenue: US$1.92b (up 36% from 3Q 2024). Net income: US$782.5m (up 41% from 3Q 2024). Profit margin: 41% (up from 39% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 51% per year, which means it is significantly lagging earnings growth.공고 • Oct 01+ 1 more updateNubank Announces Board Appointments for United States BusinessNubank announced that the Board of Directors of the United States business will be composed by Roberto Campos Neto, former President of the Central Bank of Brazil, who will serve as Chairman of the Board; Cristina Junqueira; Youssef Lahrech, former Nu President and COO and current Nu Audit and Risk Committee observer; Brian Brooks, former Acting Comptroller of the Currency and current Chairman and CEO of Meridian Capital Group; and Kelley Morrell, former Blackstone Senior Managing Director, Chief Strategy Officer of CIT Group, and U.S. Treasury Department executive, and current Founder and Managing Partner of Highline Capital Management.공고 • Sep 25Nu Holdings Ltd. to Report Q3, 2025 Results on Nov 13, 2025Nu Holdings Ltd. announced that they will report Q3, 2025 results at 4:00 PM, US Eastern Standard Time on Nov 13, 2025Reported Earnings • Aug 15Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.10 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.10 in 2Q 2024). Revenue: US$1.63b (up 14% from 2Q 2024). Net income: US$636.8m (up 31% from 2Q 2024). Profit margin: 39% (up from 34% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 39% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 38% per year, which means it is significantly lagging earnings growth.공고 • Aug 11Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025. Location: rua capote valente, 39 pinheriros, sao paulo-sp, 05409-000, sao paulo BrazilNew Risk • Aug 06New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 5.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.공고 • Jun 30+ 1 more updateNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth IndexReported Earnings • May 14First quarter 2025 earnings released: EPS: US$0.12 (vs US$0.079 in 1Q 2024)First quarter 2025 results: EPS: US$0.12 (up from US$0.079 in 1Q 2024). Revenue: US$1.38b (up 11% from 1Q 2024). Net income: US$557.2m (up 47% from 1Q 2024). Profit margin: 41% (up from 30% in 1Q 2024). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 107% per year but the company’s share price has only increased by 50% per year, which means it is significantly lagging earnings growth.Buy Or Sell Opportunity • May 13Now 20% overvaluedOver the last 90 days, the stock has fallen 8.8% to Mex$256. The fair value is estimated to be Mex$213, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 58% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 41% per annum. Earnings are also forecast to grow by 24% per annum over the same time period.공고 • May 07Nu Holdings Appoints Roberto Campos Neto as Vice Chairman and Global Head of Public Policy, Effective July 1, 2025Nu Holdings announced the expected appointment of former Brazilian Central Bank president Roberto Campos Neto to its Management Team and to the Board of Directors, effective July 1, 2025, after completing a six-month cooling-off period as determined by Brazilian legislation. Reporting directly to David Vélez, founder and CEO of Nubank, Campos Neto will serve as Vice Chairman of Nubank and Global Head of Public Policy. His role will involve supporting Nu’s international expansion program, engaging with global financial regulators, representing Nu Holdings in international forums and boards, elevating economic and risk analysis for Nu’s operations in Brazil and Latin America, and contributing to the design of Nu’s long-term business strategy. Campos Neto has an extensive career in the financial sector, having served as the President of the Central Bank of Brazil from 2019 to the end of 2024. During his tenure, the organization received the award for “Central Bank of the Year” in 2024 by Central Banking Magazine. He is the only person to have received the “Best Central Banker of the Year” award from LatinFinance magazine for three consecutive years. In 2020, he was recognized by The Banker magazine as the Central Bank President of the Year for his leadership in addressing inflation during the pandemic. At the Central Bank, Campos Neto implemented a broad agenda focused on financial inclusion, financial education, increased competition, and sustainability. His efforts led to the inclusion of millions of Brazilians in the financial sector and increased access to credit. He oversaw the launch and development of the instant payment method Pix, advanced the Open Finance agenda, and promoted Drex, a digital real utilizing blockchain technology. The Brazilian Central Bank received numerous local and international awards for its work in curbing inflation, modernizing the financial system, combating climate change, and fostering international collaboration. Before his tenure at the Central Bank, Campos Neto held major leadership roles in the financial sector for over two decades, including positions at Santander, Claritas Investments, and Bozano Simonsen. He earned a Bachelor's and Master's degree in Economics from the University of California, Los Angeles (UCLA).공고 • Mar 03Nu Holdings Ltd. to Report Q2, 2025 Results on Aug 14, 2025Nu Holdings Ltd. announced that they will report Q2, 2025 results on Aug 14, 2025Valuation Update With 7 Day Price Move • Feb 27Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to Mex$231, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in South America. Total returns to shareholders of 22% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$234 per share.Reported Earnings • Feb 21Full year 2024 earnings releasedFull year 2024 results: Revenue: US$4.79b (up 31% from FY 2023). Net income: US$1.51b (up 26% from FY 2023). Profit margin: 32% (down from 33% in FY 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 56% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Banks industry in South America.Buy Or Sell Opportunity • Feb 05Now 20% overvaluedOver the last 90 days, the stock has fallen 7.4% to Mex$280. The fair value is estimated to be Mex$232, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 63% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 236% in 2 years. Earnings are forecast to grow by 99% in the next 2 years.공고 • Dec 21Nu Holdings Ltd. to Report Q1, 2025 Results on May 13, 2025Nu Holdings Ltd. announced that they will report Q1, 2025 results on May 13, 2025New Risk • Nov 29New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 6.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.Valuation Update With 7 Day Price Move • Nov 20Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to Mex$270, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 6x in the Banks industry in South America. Total returns to shareholders of 90% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$187 per share.Reported Earnings • Nov 14Third quarter 2024 earnings released: EPS: US$0.12 (vs US$0.064 in 3Q 2023)Third quarter 2024 results: EPS: US$0.12 (up from US$0.064 in 3Q 2023). Revenue: US$1.41b (up 45% from 3Q 2023). Net income: US$553.4m (up 83% from 3Q 2023). Profit margin: 39% (up from 31% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 46% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.공고 • Oct 02Nu Holdings Ltd. to Report Q4, 2024 Results on Feb 20, 2025Nu Holdings Ltd. announced that they will report Q4, 2024 results on Feb 20, 2025Reported Earnings • Aug 14Second quarter 2024 earnings released: EPS: US$0.10 (vs US$0.048 in 2Q 2023)Second quarter 2024 results: EPS: US$0.10 (up from US$0.048 in 2Q 2023). Revenue: US$1.42b (up 73% from 2Q 2023). Net income: US$487.3m (up 117% from 2Q 2023). Profit margin: 34% (up from 27% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.New Risk • Aug 02New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.공고 • Jul 15Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024. Location: rua capote valente, 39, pinheiros, sao paulo-sp, 05409-000, sao paulo Brazil공고 • Jul 03Nu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value Index공고 • May 29Nu Holdings Ltd. to Report Q3, 2024 Results on Nov 13, 2024Nu Holdings Ltd. announced that they will report Q3, 2024 results on Nov 13, 2024Reported Earnings • May 16First quarter 2024 earnings released: EPS: US$0.079 (vs US$0.03 in 1Q 2023)First quarter 2024 results: EPS: US$0.079 (up from US$0.03 in 1Q 2023). Revenue: US$1.24b (up 77% from 1Q 2023). Net income: US$378.8m (up 167% from 1Q 2023). Profit margin: 30% (up from 20% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America.공고 • Apr 04Nu Holdings Ltd. to Report Q2, 2024 Results on Aug 13, 2024Nu Holdings Ltd. announced that they will report Q2, 2024 results on Aug 13, 2024New Risk • Mar 27New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.Reported Earnings • Feb 26Full year 2023 earnings released: EPS: US$0.22 (vs US$0.078 loss in FY 2022)Full year 2023 results: EPS: US$0.22 (up from US$0.078 loss in FY 2022). Revenue: US$3.71b (up 101% from FY 2022). Net income: US$1.03b (up US$1.40b from FY 2022). Profit margin: 28% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Non-performing loans: 6.31% (up from 5.28% in FY 2022). Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Banks industry in South America.New Risk • Feb 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (5.3% average weekly change). Large one-off items impacting financial results.공고 • Dec 02Nu Holdings Ltd. to Report Q1, 2024 Results on May 14, 2024Nu Holdings Ltd. announced that they will report Q1, 2024 results on May 14, 2024공고 • Sep 01Nu Holdings Ltd. to Report Q4, 2023 Results on Feb 22, 2024Nu Holdings Ltd. announced that they will report Q4, 2023 results on Feb 22, 2024Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: US$47.54 (vs US$0.006 loss in 2Q 2022)Second quarter 2023 results: EPS: US$47.54 (up from US$0.006 loss in 2Q 2022). Revenue: US$824.8m (up 100% from 2Q 2022). Net income: US$224.9m (up US$254.6m from 2Q 2022). Profit margin: 27% (up from net loss in 2Q 2022). Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Banks industry in Mexico.Board Change • Aug 10High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.공고 • Jul 18Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023, at 17:00 Coordinated Universal Time. Location: Rua Capote Valente, 120, Pinheiros São Paulo Brazil Agenda: To consider and approve to resolve, as an ordinary resolution, that the Company’s audited financial statements and the Company’s Annual Report on Form 20-F for the fiscal year ended December 31, 2022 be approved and ratified and to resolve, as an ordinary resolution, that the reelection of the individuals listed from “a” to “i”,as directors of the Company, each to serve for a term ending on the date of the next annual general meeting of the Members, or until such person resigns or is removed in accordance with the terms of the Memorandum and Articles of Association of the Company, be approved David Velez Osorno; Douglas Mauro Leone;Anita Mary Sands;Daniel Krepel Goldberg;David Alexandre Marcus;Luis Alberto Moreno Mejia;Jacqueline Dawn Reses; Rogério Paulo Calderón Peres; and Thuan Quang Pham.공고 • May 19+ 1 more updateNu Holdings Ltd. to Report Q3, 2023 Results on Nov 14, 2023Nu Holdings Ltd. announced that they will report Q3, 2023 results on Nov 14, 2023Reported Earnings • May 17First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: US$1.14b (up 248% from 1Q 2022). Net income: US$141.8m (up US$186.9m from 1Q 2022). Profit margin: 12% (up from net loss in 1Q 2022). Revenue is forecast to grow 36% p.a. on average during the next 3 years, compared to a 7.4% growth forecast for the Banks industry in Mexico.Reported Earnings • Feb 17Full year 2022 earnings released: US$0.078 loss per share (vs US$0.10 loss in FY 2021)Full year 2022 results: US$0.078 loss per share. Revenue: US$1.84b (up 116% from FY 2021). Net loss: US$364.6m (loss widened 121% from FY 2021). Non-performing loans: 5.28% (up from 4.51% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in Mexico.공고 • Jan 06Nu Holdings Ltd. to Report Q4, 2022 Results on Feb 14, 2023Nu Holdings Ltd. announced that they will report Q4, 2022 results on Feb 14, 2023Board Change • Nov 16High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Director Rogério Paulo Peres was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Aug 17Second quarter 2022 earnings released: US$0.006 loss per share (vs US$0.011 loss in 2Q 2021)Second quarter 2022 results: US$0.006 loss per share. Revenue: US$411.6m (up 110% from 2Q 2021). Net loss: US$29.7m (loss widened 95% from 2Q 2021). Over the next year, revenue is forecast to grow 302%, compared to a 26% growth forecast for the Banks industry in Mexico.Breakeven Date Change • Jul 07Forecast breakeven date moved forward to 2023The 12 analysts covering Nu Holdings previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of US$17.3m in 2023. Average annual earnings growth of 70% is required to achieve expected profit on schedule.Breakeven Date Change • Jun 17Forecast breakeven date pushed back to 2024The 14 analysts covering Nu Holdings previously expected the company to break even in 2023. New consensus forecast suggests losses will reduce by 50% per year to 2023. The company is expected to make a profit of US$630.6m in 2024. Average annual earnings growth of 76% is required to achieve expected profit on schedule.Reported Earnings • May 17First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: US$328.5m (up 131% from 1Q 2021). Net loss: US$45.1m (loss narrowed 8.9% from 1Q 2021). Over the next year, revenue is forecast to grow 238%, compared to a 30% growth forecast for the industry in Mexico.Board Change • Apr 27High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.Board Change • Mar 12High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.이익 및 매출 성장 예측BMV:NU N - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202835,6777,012N/AN/A312/31/202727,0725,285N/AN/A912/31/202622,3484,037N/AN/A73/31/20267,5943,184-9,866-9,532N/A12/31/20256,9912,869-9,702-9,361N/A9/30/20256,3612,529-6,784-6,410N/A6/30/20255,8492,300-7,909-7,625N/A3/31/20255,6472,151-4,159-3,928N/A12/31/20245,5131,972-3,687-3,512N/A9/30/20245,2831,780-5,522-5,411N/A6/30/20244,8471,530-5,807-5,686N/A3/31/20244,2481,268-7,841-7,684N/A12/31/20233,7071,031-6,576-6,399N/A9/30/20233,128372-6,378-6,204N/A6/30/20232,62877-2,777-2,617N/A3/31/20232,215-178-2,944-2,798N/A12/31/20221,839-365-5,637-5,523N/A9/30/20221,471-133-7,702-7,602N/A6/30/20221,252-175-8,366-8,290N/A3/31/20221,037-161-8,259-8,221N/A12/31/2021850-165-6,959-6,931N/A9/30/2021706-206-4,968-4,950N/A6/30/2021553-204-3,591-3,581N/A3/31/2021475-188-3,131-3,118N/A12/31/2020454-171-1,905-1,897N/A12/31/2019327-93N/A-1,813N/A12/31/2018155-29N/A-652N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: NU N 의 연간 예상 수익 증가율(20%)이 saving rate(9%)보다 높습니다.수익 vs 시장: NU N 의 연간 수익(20%)이 MX 시장(9.5%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: NU N 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: NU N 의 수익(연간 43.2%)이 MX 시장(연간 6.3%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: NU N 의 수익(연간 43.2%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: NU N의 자본 수익률은 3년 후 32%로 높을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/17 21:27종가2026/07/17 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Nu Holdings Ltd.는 27명의 분석가가 다루고 있습니다. 이 중 14명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Ramsey El-AssalBarclaysJohn CoffeyBarclaysRafael ReisBB Banco de Investimento S.A.24명의 분석가 더 보기
Breakeven Date Change • Jul 07Forecast breakeven date moved forward to 2023The 12 analysts covering Nu Holdings previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of US$17.3m in 2023. Average annual earnings growth of 70% is required to achieve expected profit on schedule.
Breakeven Date Change • Jun 17Forecast breakeven date pushed back to 2024The 14 analysts covering Nu Holdings previously expected the company to break even in 2023. New consensus forecast suggests losses will reduce by 50% per year to 2023. The company is expected to make a profit of US$630.6m in 2024. Average annual earnings growth of 76% is required to achieve expected profit on schedule.
공고 • Jul 07Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026Nu Holdings Ltd., Annual General Meeting, Aug 06, 2026. Location: rua capote valente, 39, pinheiros, sao paulo - sp, 05409-000, sao paulo Brazil
공고 • Jun 19Nu Holdings Ltd. to Report Q2, 2026 Results on Aug 13, 2026Nu Holdings Ltd. announced that they will report Q2, 2026 results on Aug 13, 2026
공고 • Jun 17Nu Holdings Ltd. to Report Q3, 2026 Results on Nov 12, 2026Nu Holdings Ltd. announced that they will report Q3, 2026 results on Nov 12, 2026
공고 • Jun 05Nu Holdings Ltd. (NYSE:NU) announces an Equity Buyback for $1,000 million worth of its shares.Nu Holdings Ltd. (NYSE:NU) announces a share repurchase program. Under the program, the company will repurchase up to $1,000 million worth of its shares. The repurchases will be funded using cash balances derived from retained and future earnings and the acquired shares will either be retained in treasury or canceled. The program is valid for a 12 month period ending on June 3, 2027.
공고 • Jun 02Nubank Announces CFO ChangesNubank announced the appointment of Rob Livingston as Chief Financial Officer, effective July 13, 2026, succeeding Guilherme Lago, who transitioned to the role of Special Advisor after five years as CFO and seven years at Nu. Lago will support the transition through August 31, 2026, and will remain as a Special Advisor to the Management Team of Nu Holdings and to its Audit and Risk Committee, advising on corporate development and other strategic matters. Livingston will be responsible for leading Nubank’s global finance organization, including capital and liquidity planning, financial reporting, corporate development, tax and investor relations. Rob Livingston brought more than 30 years of experience in financial services across North America, Europe and Asia. He joined Nubank from Visa, where he recently served as CFO for North America, the company's largest business. Over more than 12 years at Visa, he also led Corporate Finance and Investor Relations for Visa Inc., served as CFO for Visa Europe and board member of Visa Europe Limited, and had business leadership roles in China and Canada. Prior to Visa, Livingston spent 18 years at Capital One, with deep experience in credit, marketing and finance and senior leadership roles including President of Capital One Canada, Divisional CFO, and serving as a Senior Credit Officer at the company. He holds a BA in Economics from Yale University. Under Lago’s tenure as CFO, Nubank scaled from a regional fintech to one of the world’s largest digital banking platforms, broadened its product portfolio across Brazil, Mexico and Colombia, and strengthened its balance sheet, profitability and capital position.
Reported Earnings • May 17First quarter 2026 earnings released: EPS: US$0.18 (vs US$0.12 in 1Q 2025)First quarter 2026 results: EPS: US$0.18 (up from US$0.12 in 1Q 2025). Revenue: US$1.98b (up 44% from 1Q 2025). Net income: US$872.1m (up 56% from 1Q 2025). Profit margin: 44% (up from 40% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 65% per year but the company’s share price has only increased by 22% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Feb 26Full year 2025 earnings released: EPS: US$0.59 (vs US$0.41 in FY 2024)Full year 2025 results: EPS: US$0.59 (up from US$0.41 in FY 2024). Revenue: US$6.99b (up 27% from FY 2024). Net income: US$2.87b (up 46% from FY 2024). Profit margin: 41% (up from 36% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 52% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 44% per year, which means it is significantly lagging earnings growth.
New Risk • Feb 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
공고 • Jan 30+ 1 more updateNu Holdings Appoints Roberto Campos Neto as Chairman of the Board of Directors for US National Bank SubsidiaryNu Holdings announced that Roberto Campos Neto, former President of the Central Bank of Brazil, will serve as Chairman of the Board of Directors for its newly approved US national bank, Nubank, N.A. The US organization will be led by Nu's co-founder Cristina Junqueira, who has relocated to the US to spearhead the bank’s development and long-term growth.
공고 • Jan 22+ 1 more updateNu Holdings Ltd. to Report Q4, 2025 Results on Feb 25, 2026Nu Holdings Ltd. announced that they will report Q4, 2025 results at 4:00 PM, US Eastern Standard Time on Feb 25, 2026
Reported Earnings • Nov 14Third quarter 2025 earnings released: EPS: US$0.16 (vs US$0.12 in 3Q 2024)Third quarter 2025 results: EPS: US$0.16 (up from US$0.12 in 3Q 2024). Revenue: US$1.92b (up 36% from 3Q 2024). Net income: US$782.5m (up 41% from 3Q 2024). Profit margin: 41% (up from 39% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 51% per year, which means it is significantly lagging earnings growth.
공고 • Oct 01+ 1 more updateNubank Announces Board Appointments for United States BusinessNubank announced that the Board of Directors of the United States business will be composed by Roberto Campos Neto, former President of the Central Bank of Brazil, who will serve as Chairman of the Board; Cristina Junqueira; Youssef Lahrech, former Nu President and COO and current Nu Audit and Risk Committee observer; Brian Brooks, former Acting Comptroller of the Currency and current Chairman and CEO of Meridian Capital Group; and Kelley Morrell, former Blackstone Senior Managing Director, Chief Strategy Officer of CIT Group, and U.S. Treasury Department executive, and current Founder and Managing Partner of Highline Capital Management.
공고 • Sep 25Nu Holdings Ltd. to Report Q3, 2025 Results on Nov 13, 2025Nu Holdings Ltd. announced that they will report Q3, 2025 results at 4:00 PM, US Eastern Standard Time on Nov 13, 2025
Reported Earnings • Aug 15Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.10 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.10 in 2Q 2024). Revenue: US$1.63b (up 14% from 2Q 2024). Net income: US$636.8m (up 31% from 2Q 2024). Profit margin: 39% (up from 34% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 39% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 38% per year, which means it is significantly lagging earnings growth.
공고 • Aug 11Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025Nu Holdings Ltd., Annual General Meeting, Sep 08, 2025. Location: rua capote valente, 39 pinheriros, sao paulo-sp, 05409-000, sao paulo Brazil
New Risk • Aug 06New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 5.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.
공고 • Jun 30+ 1 more updateNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell Midcap Growth Index
Reported Earnings • May 14First quarter 2025 earnings released: EPS: US$0.12 (vs US$0.079 in 1Q 2024)First quarter 2025 results: EPS: US$0.12 (up from US$0.079 in 1Q 2024). Revenue: US$1.38b (up 11% from 1Q 2024). Net income: US$557.2m (up 47% from 1Q 2024). Profit margin: 41% (up from 30% in 1Q 2024). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America. Over the last 3 years on average, earnings per share has increased by 107% per year but the company’s share price has only increased by 50% per year, which means it is significantly lagging earnings growth.
Buy Or Sell Opportunity • May 13Now 20% overvaluedOver the last 90 days, the stock has fallen 8.8% to Mex$256. The fair value is estimated to be Mex$213, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 58% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 41% per annum. Earnings are also forecast to grow by 24% per annum over the same time period.
공고 • May 07Nu Holdings Appoints Roberto Campos Neto as Vice Chairman and Global Head of Public Policy, Effective July 1, 2025Nu Holdings announced the expected appointment of former Brazilian Central Bank president Roberto Campos Neto to its Management Team and to the Board of Directors, effective July 1, 2025, after completing a six-month cooling-off period as determined by Brazilian legislation. Reporting directly to David Vélez, founder and CEO of Nubank, Campos Neto will serve as Vice Chairman of Nubank and Global Head of Public Policy. His role will involve supporting Nu’s international expansion program, engaging with global financial regulators, representing Nu Holdings in international forums and boards, elevating economic and risk analysis for Nu’s operations in Brazil and Latin America, and contributing to the design of Nu’s long-term business strategy. Campos Neto has an extensive career in the financial sector, having served as the President of the Central Bank of Brazil from 2019 to the end of 2024. During his tenure, the organization received the award for “Central Bank of the Year” in 2024 by Central Banking Magazine. He is the only person to have received the “Best Central Banker of the Year” award from LatinFinance magazine for three consecutive years. In 2020, he was recognized by The Banker magazine as the Central Bank President of the Year for his leadership in addressing inflation during the pandemic. At the Central Bank, Campos Neto implemented a broad agenda focused on financial inclusion, financial education, increased competition, and sustainability. His efforts led to the inclusion of millions of Brazilians in the financial sector and increased access to credit. He oversaw the launch and development of the instant payment method Pix, advanced the Open Finance agenda, and promoted Drex, a digital real utilizing blockchain technology. The Brazilian Central Bank received numerous local and international awards for its work in curbing inflation, modernizing the financial system, combating climate change, and fostering international collaboration. Before his tenure at the Central Bank, Campos Neto held major leadership roles in the financial sector for over two decades, including positions at Santander, Claritas Investments, and Bozano Simonsen. He earned a Bachelor's and Master's degree in Economics from the University of California, Los Angeles (UCLA).
공고 • Mar 03Nu Holdings Ltd. to Report Q2, 2025 Results on Aug 14, 2025Nu Holdings Ltd. announced that they will report Q2, 2025 results on Aug 14, 2025
Valuation Update With 7 Day Price Move • Feb 27Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to Mex$231, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 7x in the Banks industry in South America. Total returns to shareholders of 22% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$234 per share.
Reported Earnings • Feb 21Full year 2024 earnings releasedFull year 2024 results: Revenue: US$4.79b (up 31% from FY 2023). Net income: US$1.51b (up 26% from FY 2023). Profit margin: 32% (down from 33% in FY 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 56% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Banks industry in South America.
Buy Or Sell Opportunity • Feb 05Now 20% overvaluedOver the last 90 days, the stock has fallen 7.4% to Mex$280. The fair value is estimated to be Mex$232, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 63% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 236% in 2 years. Earnings are forecast to grow by 99% in the next 2 years.
공고 • Dec 21Nu Holdings Ltd. to Report Q1, 2025 Results on May 13, 2025Nu Holdings Ltd. announced that they will report Q1, 2025 results on May 13, 2025
New Risk • Nov 29New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Mexican stocks, typically moving 6.5% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. This is currently the only risk that has been identified for the company.
Valuation Update With 7 Day Price Move • Nov 20Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to Mex$270, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 6x in the Banks industry in South America. Total returns to shareholders of 90% over the past year. Simply Wall St's valuation model estimates the intrinsic value at Mex$187 per share.
Reported Earnings • Nov 14Third quarter 2024 earnings released: EPS: US$0.12 (vs US$0.064 in 3Q 2023)Third quarter 2024 results: EPS: US$0.12 (up from US$0.064 in 3Q 2023). Revenue: US$1.41b (up 45% from 3Q 2023). Net income: US$553.4m (up 83% from 3Q 2023). Profit margin: 39% (up from 31% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 46% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.
공고 • Oct 02Nu Holdings Ltd. to Report Q4, 2024 Results on Feb 20, 2025Nu Holdings Ltd. announced that they will report Q4, 2024 results on Feb 20, 2025
Reported Earnings • Aug 14Second quarter 2024 earnings released: EPS: US$0.10 (vs US$0.048 in 2Q 2023)Second quarter 2024 results: EPS: US$0.10 (up from US$0.048 in 2Q 2023). Revenue: US$1.42b (up 73% from 2Q 2023). Net income: US$487.3m (up 117% from 2Q 2023). Profit margin: 34% (up from 27% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in South America.
New Risk • Aug 02New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
공고 • Jul 15Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024Nu Holdings Ltd., Annual General Meeting, Aug 13, 2024. Location: rua capote valente, 39, pinheiros, sao paulo-sp, 05409-000, sao paulo Brazil
공고 • Jul 03Nu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value IndexNu Holdings Ltd.(NYSE:NU) dropped from Russell 3000E Value Index
공고 • May 29Nu Holdings Ltd. to Report Q3, 2024 Results on Nov 13, 2024Nu Holdings Ltd. announced that they will report Q3, 2024 results on Nov 13, 2024
Reported Earnings • May 16First quarter 2024 earnings released: EPS: US$0.079 (vs US$0.03 in 1Q 2023)First quarter 2024 results: EPS: US$0.079 (up from US$0.03 in 1Q 2023). Revenue: US$1.24b (up 77% from 1Q 2023). Net income: US$378.8m (up 167% from 1Q 2023). Profit margin: 30% (up from 20% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 43% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in South America.
공고 • Apr 04Nu Holdings Ltd. to Report Q2, 2024 Results on Aug 13, 2024Nu Holdings Ltd. announced that they will report Q2, 2024 results on Aug 13, 2024
New Risk • Mar 27New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 4.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
Reported Earnings • Feb 26Full year 2023 earnings released: EPS: US$0.22 (vs US$0.078 loss in FY 2022)Full year 2023 results: EPS: US$0.22 (up from US$0.078 loss in FY 2022). Revenue: US$3.71b (up 101% from FY 2022). Net income: US$1.03b (up US$1.40b from FY 2022). Profit margin: 28% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Non-performing loans: 6.31% (up from 5.28% in FY 2022). Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Banks industry in South America.
New Risk • Feb 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Mexican stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (5.3% average weekly change). Large one-off items impacting financial results.
공고 • Dec 02Nu Holdings Ltd. to Report Q1, 2024 Results on May 14, 2024Nu Holdings Ltd. announced that they will report Q1, 2024 results on May 14, 2024
공고 • Sep 01Nu Holdings Ltd. to Report Q4, 2023 Results on Feb 22, 2024Nu Holdings Ltd. announced that they will report Q4, 2023 results on Feb 22, 2024
Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: US$47.54 (vs US$0.006 loss in 2Q 2022)Second quarter 2023 results: EPS: US$47.54 (up from US$0.006 loss in 2Q 2022). Revenue: US$824.8m (up 100% from 2Q 2022). Net income: US$224.9m (up US$254.6m from 2Q 2022). Profit margin: 27% (up from net loss in 2Q 2022). Revenue is forecast to grow 47% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Banks industry in Mexico.
Board Change • Aug 10High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
공고 • Jul 18Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023Nu Holdings Ltd., Annual General Meeting, Aug 16, 2023, at 17:00 Coordinated Universal Time. Location: Rua Capote Valente, 120, Pinheiros São Paulo Brazil Agenda: To consider and approve to resolve, as an ordinary resolution, that the Company’s audited financial statements and the Company’s Annual Report on Form 20-F for the fiscal year ended December 31, 2022 be approved and ratified and to resolve, as an ordinary resolution, that the reelection of the individuals listed from “a” to “i”,as directors of the Company, each to serve for a term ending on the date of the next annual general meeting of the Members, or until such person resigns or is removed in accordance with the terms of the Memorandum and Articles of Association of the Company, be approved David Velez Osorno; Douglas Mauro Leone;Anita Mary Sands;Daniel Krepel Goldberg;David Alexandre Marcus;Luis Alberto Moreno Mejia;Jacqueline Dawn Reses; Rogério Paulo Calderón Peres; and Thuan Quang Pham.
공고 • May 19+ 1 more updateNu Holdings Ltd. to Report Q3, 2023 Results on Nov 14, 2023Nu Holdings Ltd. announced that they will report Q3, 2023 results on Nov 14, 2023
Reported Earnings • May 17First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: US$1.14b (up 248% from 1Q 2022). Net income: US$141.8m (up US$186.9m from 1Q 2022). Profit margin: 12% (up from net loss in 1Q 2022). Revenue is forecast to grow 36% p.a. on average during the next 3 years, compared to a 7.4% growth forecast for the Banks industry in Mexico.
Reported Earnings • Feb 17Full year 2022 earnings released: US$0.078 loss per share (vs US$0.10 loss in FY 2021)Full year 2022 results: US$0.078 loss per share. Revenue: US$1.84b (up 116% from FY 2021). Net loss: US$364.6m (loss widened 121% from FY 2021). Non-performing loans: 5.28% (up from 4.51% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Banks industry in Mexico.
공고 • Jan 06Nu Holdings Ltd. to Report Q4, 2022 Results on Feb 14, 2023Nu Holdings Ltd. announced that they will report Q4, 2022 results on Feb 14, 2023
Board Change • Nov 16High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Director Rogério Paulo Peres was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Aug 17Second quarter 2022 earnings released: US$0.006 loss per share (vs US$0.011 loss in 2Q 2021)Second quarter 2022 results: US$0.006 loss per share. Revenue: US$411.6m (up 110% from 2Q 2021). Net loss: US$29.7m (loss widened 95% from 2Q 2021). Over the next year, revenue is forecast to grow 302%, compared to a 26% growth forecast for the Banks industry in Mexico.
Breakeven Date Change • Jul 07Forecast breakeven date moved forward to 2023The 12 analysts covering Nu Holdings previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of US$17.3m in 2023. Average annual earnings growth of 70% is required to achieve expected profit on schedule.
Breakeven Date Change • Jun 17Forecast breakeven date pushed back to 2024The 14 analysts covering Nu Holdings previously expected the company to break even in 2023. New consensus forecast suggests losses will reduce by 50% per year to 2023. The company is expected to make a profit of US$630.6m in 2024. Average annual earnings growth of 76% is required to achieve expected profit on schedule.
Reported Earnings • May 17First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: US$328.5m (up 131% from 1Q 2021). Net loss: US$45.1m (loss narrowed 8.9% from 1Q 2021). Over the next year, revenue is forecast to grow 238%, compared to a 30% growth forecast for the industry in Mexico.
Board Change • Apr 27High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
Board Change • Mar 12High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 2 experienced directors. No highly experienced directors. Independent Director Doug Leone is the most experienced director on the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.