Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$58.2B

May14Thu

Pre-Earnings Brief

UpcomingQ1-2026After Close5:00 PM EDT

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banks sector....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

$0.21

Revenue

Revenue growth is crucial for assessing the company's ability to expand its customer base and market share.

$5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q1-2026 Earnings Preview

Context

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banks sector. It focuses on providing innovative banking solutions, primarily targeting underserved markets in Latin America. As digital banking continues to grow, Nu Holdings plays a significant role in shaping the future of financial services in the region.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In Q3-2025, Nu Holdings reported an EPS of $0.16, slightly beating expectations. However, the stock experienced a decline of 3.65% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are cautiously optimistic about Nu Holdings' upcoming earnings, expecting a modest EPS of $0.21 and revenue of $5.1B. The market is closely watching for any signs of growth in customer acquisition and retention.

Bull Case

If Nu Holdings exceeds EPS expectations and shows strong revenue growth, it could signal robust demand for its services, leading to increased investor confidence and a potential stock rally.

Bear Case

Conversely, if the company misses EPS or revenue targets, it may raise concerns about its growth strategy and market competition, potentially leading to a sell-off.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.21

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

Revenue

$5.1B

Revenue growth is crucial for assessing the company's ability to expand its customer base and market share.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu Holdings achieve an EPS of $0.21 or higher?

This EPS figure is critical for validating the company's growth strategy and could influence investor sentiment significantly.

What is the revenue growth rate compared to last quarter?

Revenue growth is essential for assessing the company's market position and ability to attract new customers, which will be closely scrutinized by investors.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Nu Holdings' ability to capture market share in the growing digital banking space, particularly in underserved regions.

Supporting Evidence

The company has shown a consistent ability to surprise on EPS, with a 63% beat rate over the last eight quarters.

Options pricing suggests a significant move, indicating that traders expect volatility that could favor a positive outcome.

Nu's innovative approach to banking could lead to higher customer acquisition rates than anticipated.

Key Risk

If customer acquisition rates exceed expectations, it could invalidate the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Nu Holdings can sustain its growth trajectory amidst increasing competition and economic pressures.

Bull Confirmed If

An EPS of $0.22 or higher, along with revenue exceeding $5.2B, would confirm strong demand and growth potential.

Bear Confirmed If

An EPS below $0.20 or revenue falling short of $4.9B would raise serious concerns about the company's competitive position.

Pre-Earnings Positioning

Options Market

Implied Move

±11.11%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±11.1% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.5%

30d HV

35.4%

Calls (3.9M)P/C Ratio: 1.41Puts (784K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the day, but this would confirm strong operational performance.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future growth prospects.

Miss

A miss on earnings could lead to a slight uptick in the stock, as history shows an average reaction of +0.31% when they miss, but investor confidence may be shaken.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on customer acquisition and retention metrics.
2Any commentary on competitive pressures in the digital banking space.
3Insights into operational efficiency and cost management.
4Future growth strategies and market expansion plans.
5Management's outlook on macroeconomic factors affecting the business.

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Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banks sector....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

$0.21

Revenue

Revenue growth is crucial for assessing the company's ability to expand its customer base and market share.

$5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q1-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In Q3-2025, Nu Holdings reported an EPS of $0.16, slightly beating expectations. However, the stock experienced a decline of 3.65% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If Nu Holdings exceeds EPS expectations and shows strong revenue growth, it could signal robust demand for its services, leading to increased investor confidence and a potential stock rally.

Bear Case

Conversely, if the company misses EPS or revenue targets, it may raise concerns about its growth strategy and market competition, potentially leading to a sell-off.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.21

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

Revenue

$5.1B

Revenue growth is crucial for assessing the company's ability to expand its customer base and market share.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu Holdings achieve an EPS of $0.21 or higher?

This EPS figure is critical for validating the company's growth strategy and could influence investor sentiment significantly.

What is the revenue growth rate compared to last quarter?

Revenue growth is essential for assessing the company's market position and ability to attract new customers, which will be closely scrutinized by investors.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Nu Holdings' ability to capture market share in the growing digital banking space, particularly in underserved regions.

Supporting Evidence

The company has shown a consistent ability to surprise on EPS, with a 63% beat rate over the last eight quarters.

Options pricing suggests a significant move, indicating that traders expect volatility that could favor a positive outcome.

Nu's innovative approach to banking could lead to higher customer acquisition rates than anticipated.

Key Risk

If customer acquisition rates exceed expectations, it could invalidate the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Nu Holdings can sustain its growth trajectory amidst increasing competition and economic pressures.

Bull Confirmed If

An EPS of $0.22 or higher, along with revenue exceeding $5.2B, would confirm strong demand and growth potential.

Bear Confirmed If

An EPS below $0.20 or revenue falling short of $4.9B would raise serious concerns about the company's competitive position.

Pre-Earnings Positioning

Options Market

Implied Move

±11.11%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±11.1% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.5%

30d HV

35.4%

Calls (3.9M)P/C Ratio: 1.41Puts (784K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the day, but this would confirm strong operational performance.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future growth prospects.

Miss

A miss on earnings could lead to a slight uptick in the stock, as history shows an average reaction of +0.31% when they miss, but investor confidence may be shaken.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on customer acquisition and retention metrics.
2Any commentary on competitive pressures in the digital banking space.
3Insights into operational efficiency and cost management.
4Future growth strategies and market expansion plans.
5Management's outlook on macroeconomic factors affecting the business.