Nu Holdings (NU) Is Up 8.6% After Amazon Brazil Partnership and Record Q3 Results – What's Changed

• Nu Holdings recently presented at the Bloomberg New Economy Forum in Singapore, announcing a partnership with Amazon Brazil to integrate NuPay and highlighting its record Q3 2025 results, with net income reaching US$783 million and a growing customer base of 127 million.
• This collaboration with Amazon further advances Nu’s presence in digital payments, while extensive customer growth underscores its position in Latin America’s evolving fintech landscape.
• We'll explore how the Amazon Brazil partnership may strengthen Nu Holdings' investment narrative through expanding digital payments reach.

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Nu Holdings Investment Narrative Recap

To be a Nu Holdings shareholder, an investor needs to believe in the continued rise of digital banking and payment adoption across Latin America, fueled by technology and a large, underbanked population. The recent Amazon Brazil partnership and record Q3 2025 earnings reinforce Nu’s growth story, and may boost its payments reach, yet the primary short-term catalyst remains rapid digital payments adoption, while the top risk is increasing exposure to subprime credit markets; this news does not materially alter either dynamic.

One of the most relevant recent developments is Nu’s appointment of Roberto Campos Neto, former President of the Central Bank of Brazil, to its board and as Global Head of Public Policy. This move signals a deeper focus on regulatory expertise just as the company expands partnerships and enters new markets, aligning closely with both expansionary catalysts and evolving compliance challenges.

In contrast, investors should be aware that rising loan exposure to riskier credit segments means that if economic conditions worsen or rates rise …

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

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

Uncover how Nu Holdings' forecasts yield a $17.98 fair value, a 4% upside to its current price.

Exploring Other Perspectives

Simply Wall St Community members produced 28 fair value estimates for Nu Holdings spanning US$10.15 to US$22.84 per share. While expectations for ongoing digital payment adoption remain strong, opinions on valuation and growth potential differ sharply, prompting you to consider multiple viewpoints before making decisions.

Explore 28 other fair value estimates on Nu Holdings - why the stock might be worth 41% less 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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