Pre-earnings brief
Reports
Thu, May 14, 2026
Est. EPS
$0.21
Est. revenue
$5.1B
Implied move
±11.1%
EPS beat rate
63%
Nu Holdings Ltd. is a financial services company operating in the diversified banks sector. It focuses on providing innovative banking solutions to consumers in Latin America, which is increasingly important as digital banking continues to grow in popularity.
Last quarter
In the last quarter, Nu Holdings reported an EPS of $0.16, slightly beating expectations. However, the stock experienced a decline of 3.65% the following day.
EPS beat streak
1Q
EPS beat rate
63%
Avg EPS surprise
-7.64%
Avg 1-day reaction
-0.90%
Analysts are cautiously optimistic about Nu Holdings' upcoming earnings, expecting it to meet or slightly exceed EPS and revenue estimates.
Bull case
If Nu Holdings can demonstrate strong customer growth and improved profitability, it could lead to a significant positive reaction in the stock price.
Bear case
Conversely, if the company fails to meet expectations or provides weak guidance, it may face a negative market reaction.
Key metrics to watch
Earnings Per Share (EPS)
$0.21EPS is a key indicator of the company's profitability and is closely watched by investors.
Revenue
$5.1BRevenue growth reflects the company's ability to attract and retain customers, which is crucial for its expansion.
The print will turn on these.
Q1
Will EPS exceed the consensus estimate of $0.21?
A beat on EPS could signal strong operational performance and boost investor confidence.
Q2
What is the outlook for revenue growth given the current economic conditions?
Revenue growth is critical for sustaining the company's expansion and attracting new investors.
—
Est. EPS
$6.60
Est. Rev
$249M
Impl. Move
±4.1%
Why consensus could be wrong
The Street may underestimate Nu's ability to leverage its digital banking platform for rapid customer acquisition, which could lead to stronger-than-expected revenue growth.
Supporting evidence
The options market is pricing a larger move than historical averages, indicating heightened expectations.
Nu's recent performance trends suggest a potential for exceeding revenue targets.
Key risk
If revenue growth significantly outpaces expectations, it could challenge the current consensus.
Pre-commit to what would confirm each case.
This quarter's performance is crucial as it will provide insights into the company's growth trajectory amidst a competitive landscape.
Bull confirmed if
An EPS of $0.22 or higher would confirm strong profitability and growth.
Bear confirmed if
An EPS below $0.20 would indicate potential issues with profitability.
What the market is pricing for the move.
Implied Move
±11.11%
Historical Avg
±3.3%
The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings report.
Options are pricing ±11.1% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.
ATM IV
0.5%
30d HV
35.4%
Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.
Bought
$0.00
0 sh
0 insiders
Sold
$375,362.50
25,000 sh
1 insider
Net
$375,362.50
Net selling
Most Active Insiders· 1 open-market trade
$375,362.50
Net selling
Smart-money positioning from the most recent 13F filings.
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%
Likely market behavior by outcome. Not investment advice.
Beat & raise
If Nu beats expectations, history suggests the stock could rise around 1.5% on the first day, confirming a positive outlook.
In line / cautious
If results are in line but cautious, the stock may see muted movement as investors await further guidance.
Miss
A miss could lead to a decline, with historical patterns suggesting an average drop of around 0.3%.
The lines on the call that would change the story.
Recent Transactions
Oct 5, 2026 · @ $15.01
25,000 sh
$375,362.50
Open-market trades only (Form 4 codes P/S). Awards, exercises, and tax-withholding excluded as routine compensation noise.
BAILLIE GIFFORD & CO
257,256,952 sh · $3.7B
6.71%
2.3%
Capital Research Global Investors
164,099,198 sh · $2.4B
4.28%
-11.1%
Morgan Stanley
121,350,701 sh · $1.8B
3.17%
2.9%
State Street Corporation
91,544,751 sh · $1.3B
2.39%
0.1%
13F filings updated quarterly. Position deltas show change in shares vs. the prior quarter.