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Sep 30, 2025
Nu Q3 2025 Earnings Report
Nu reported strong Q3 2025 results with record net income and continued growth in revenues and customer base.
Key Takeaways
Nu Holdings delivered a robust Q3 2025, achieving $782.5 million in net income and growing total revenue to over $4.17 billion. The company demonstrated operational efficiency and scale across Latin America, especially in Brazil, while expanding its interest-earning portfolio and customer deposits.
Net income for the quarter reached $782.5 million, showing strong profitability.
Total revenue increased to $4.17 billion, driven by interest income and fees.
Nu expanded its interest-earning portfolio to $9.44 billion in Q3.
Customer deposits grew significantly to over $38.77 billion by quarter-end.
Forward Guidance
Nu expects continued growth in its core markets driven by product expansion and operational leverage, while closely monitoring macroeconomic conditions.
Positive Outlook
- Strong momentum in interest income generation
- Continued user and deposit growth across LatAm
- Efficient cost management despite higher scale
- Improving asset quality metrics and risk controls
- Expansion of secured lending and cross-sell opportunities
Challenges Ahead
- Higher credit loss allowances reflecting portfolio growth
- Macroeconomic volatility in Latin America
- Potential FX headwinds in non-USD markets
- Regulatory uncertainties in Brazil and Mexico
- Increased competition in digital banking sector
Historical Earnings Impact
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Avg. Return Before/After Earnings
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