How Strong Third-Quarter Earnings Growth Will Impact Nu Holdings (NU) Investors

• Nu Holdings Ltd. announced quarterly earnings on November 13, 2025, reporting third-quarter net income of US$782.47 million and basic earnings per share of US$0.1617, both higher than the prior-year period.
• The strong year-over-year gains in both net income and earnings per share point to sustained momentum as Nu Holdings expanded its digital banking footprint across key markets.
• Next, we explore how Nu Holdings’ robust third-quarter earnings performance could influence the company’s outlook and future growth prospects.

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Nu Holdings Investment Narrative Recap

Owning Nu Holdings requires conviction in the long-term adoption of digital banking across Latin America, despite ongoing sector competition and risks tied to credit quality in underpenetrated markets. The company's third-quarter earnings surprise, with sharply higher net income and EPS, strengthens confidence in customer growth and operating scale, but does not materially change the immediate focus on managing credit risk and defending market share as competitors scale up their digital offerings.

Among recent announcements, the appointment of Roberto Campos Neto, former President of the Central Bank of Brazil, as Chairman stands out. This move is particularly relevant given regulatory complexity, and could help Nu Holdings anticipate and navigate evolving rules in its key geographies, a critical factor for sustaining long-term growth amid rapid customer and product expansion.

However, investors should also be mindful that, despite strong results, heightened exposure to subprime and mass-market lending could mean...

Read the full narrative on Nu Holdings (it's free!)

Nu Holdings' narrative projects $33.0 billion revenue and $6.1 billion earnings by 2028. This requires 78.1% yearly revenue growth and a $3.8 billion earnings increase from $2.3 billion today.

Uncover how Nu Holdings' forecasts yield a $17.98 fair value, a 17% upside to its current price.

Exploring Other Perspectives

Private investors in the Simply Wall St Community set fair value estimates for Nu Holdings between US$10.14 and US$26.26, drawing on 30 unique perspectives. With many anticipating rapid digital adoption in key markets, your outlook on competition and credit risk will shape whether you see current valuations as a signal to pause or pursue additional research.

Explore 30 other fair value estimates on Nu Holdings - why the stock might be worth as much as 71% more than the current price!

Build Your Own Nu Holdings Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Nu Holdings research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision.
• Our free Nu Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Nu Holdings' overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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