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Jun 30, 2025
Nu Q2 2025 Earnings Report
Nu reported strong Q2 2025 results with significant increases in both revenue and net income compared to the prior year.
Key Takeaways
Nu Holdings delivered robust financial performance in Q2 2025, with $3.67 billion in revenue and $637 million in net income, reflecting continued growth in its financial ecosystem across Latin America.
Total revenue reached $3.67 billion, up from $2.85 billion in Q2 2024.
Net income rose to $637 million, reflecting improved profitability.
Cash and cash equivalents grew to over $13.2 billion.
EPS increased to $0.13 per share from $0.10 in the same quarter last year.
Revenue by Segment
Forward Guidance
Nu expects continued customer growth and financial expansion, supported by strong demand for credit products and regional diversification.
Positive Outlook
- Reaching over 100 million customers milestone.
- Strong net income performance in Q2 2025.
- Robust growth in customer deposits and loan portfolio.
- Expansion into new geographies and product offerings.
- High liquidity with over $13.2 billion in cash reserves.
Challenges Ahead
- Potential macroeconomic headwinds in Latin America.
- Credit loss provisions remain elevated.
- Marketing expenses increased compared to prior year.
- Currency translation continues to introduce volatility.
- Competitive pressure in key financial markets persists.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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