Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$73.2B

May14Thu

Pre-Earnings Brief

UpcomingQ1-2026After Close5:00 PM EDT

Company Snapshot

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

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

0.21

Revenue

Total revenue reflects the company's ability to grow its customer base and increase sales, which is critical for its long-term success.

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 banking sector. With a market cap of $73 billion, it focuses on providing digital banking solutions in emerging markets, catering to a growing base of consumers seeking modern financial services.

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 the last quarter, Nu Holdings reported an EPS of $0.16, slightly beating expectations. However, the stock reacted negatively, dropping 3.65% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Nu Holdings to report solid earnings this quarter, with a consensus EPS of $0.21 and revenue of $5.1 billion. The market is closely watching how the company continues to grow in a competitive landscape.

Bull Case

If Nu can exceed EPS expectations and show strong revenue growth, it could signal robust demand for its services, potentially leading to a positive stock reaction.

Bear Case

Conversely, if the company misses earnings or revenue targets, it may raise concerns about its growth trajectory, leading to a negative market response.

Key Metrics to Watch

EPS

0.21

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

5.1B

Total revenue reflects the company's ability to grow its customer base and increase sales, which is critical for its long-term success.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $0.21?

A beat on EPS could indicate strong operational performance and boost investor confidence.

What revenue growth will be reported compared to the consensus of $5.1 billion?

Revenue growth is crucial for assessing the company's market position and future prospects.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Nu's ability to capture market share in emerging markets, especially given recent trends in digital banking adoption.

Supporting Evidence

The options market is pricing a larger move than historical averages, suggesting heightened expectations.

Nu's recent performance has shown resilience in a challenging environment, which may not be fully reflected in analyst estimates.

Key Risk

If revenue growth comes in significantly above $5.1 billion, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical in determining whether Nu can maintain its growth trajectory in a competitive market.

Bull Confirmed If

An EPS of $0.22 or higher with revenue exceeding $5.2 billion would confirm the bull case.

Bear Confirmed If

An EPS below $0.20 and revenue below $4.9 billion would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±11.11%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a significant move around the earnings report, suggesting that traders expect volatility based on the results.

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 first day, but it would confirm strong growth prospects.

In-Line / Cautious

If results are in line with expectations, the stock may react neutrally, reflecting cautious optimism in the market.

Miss

If Nu misses expectations, history suggests a potential increase of around 0.31% on the first day, indicating a negative market reaction.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer growth and retention rates.
2Insights into competitive pressures in the digital banking space.
3Management's outlook on future revenue growth and market expansion.
4Details on cost management and operational efficiency improvements.
5Any commentary on regulatory challenges or opportunities.

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Company Snapshot

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

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

0.21

Revenue

Total revenue reflects the company's ability to grow its customer base and increase sales, which is critical for its long-term success.

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 the last quarter, Nu Holdings reported an EPS of $0.16, slightly beating expectations. However, the stock reacted negatively, dropping 3.65% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If Nu can exceed EPS expectations and show strong revenue growth, it could signal robust demand for its services, potentially leading to a positive stock reaction.

Bear Case

Conversely, if the company misses earnings or revenue targets, it may raise concerns about its growth trajectory, leading to a negative market response.

Key Metrics to Watch

EPS

0.21

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

5.1B

Total revenue reflects the company's ability to grow its customer base and increase sales, which is critical for its long-term success.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $0.21?

A beat on EPS could indicate strong operational performance and boost investor confidence.

What revenue growth will be reported compared to the consensus of $5.1 billion?

Revenue growth is crucial for assessing the company's market position and future prospects.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Nu's ability to capture market share in emerging markets, especially given recent trends in digital banking adoption.

Supporting Evidence

The options market is pricing a larger move than historical averages, suggesting heightened expectations.

Nu's recent performance has shown resilience in a challenging environment, which may not be fully reflected in analyst estimates.

Key Risk

If revenue growth comes in significantly above $5.1 billion, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical in determining whether Nu can maintain its growth trajectory in a competitive market.

Bull Confirmed If

An EPS of $0.22 or higher with revenue exceeding $5.2 billion would confirm the bull case.

Bear Confirmed If

An EPS below $0.20 and revenue below $4.9 billion would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±11.11%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a significant move around the earnings report, suggesting that traders expect volatility based on the results.

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 first day, but it would confirm strong growth prospects.

In-Line / Cautious

If results are in line with expectations, the stock may react neutrally, reflecting cautious optimism in the market.

Miss

If Nu misses expectations, history suggests a potential increase of around 0.31% on the first day, indicating a negative market reaction.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer growth and retention rates.
2Insights into competitive pressures in the digital banking space.
3Management's outlook on future revenue growth and market expansion.
4Details on cost management and operational efficiency improvements.
5Any commentary on regulatory challenges or opportunities.