Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$56.5B

Aug13Thu

Pre-Earnings Brief

UpcomingQ4-2025After 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 business and attract customers, which is crucial for its long-term success.

5.1B

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

NU Q4-2025 Earnings Preview

Context

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector. With a market cap of $58 billion, it focuses on providing digital banking solutions, primarily in Latin America, catering to a growing consumer base that values technology-driven 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 Q3-2025, Nu Holdings reported an EPS of $0.16, exceeding estimates by 6.33%. However, the stock fell 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 slight increase in EPS and revenue. The market will be closely watching for any signs of growth in customer acquisition and retention.

Bull Case

If Nu can exceed the EPS estimate and show strong revenue growth, it may indicate robust demand for its services, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it could raise concerns about its growth trajectory and lead to a sell-off.

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 business and attract customers, which is crucial for its long-term success.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu Holdings achieve an EPS of at least $0.21?

This number is crucial as it will indicate the company's profitability and efficiency in managing its operations.

What is the revenue outlook for the upcoming quarter?

Revenue growth is essential for assessing the company's market position and ability to attract new customers.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Nu's ability to capture market share in the digital banking space, especially in Latin America, where demand for such services is rapidly increasing.

Supporting Evidence

Recent trends show a growing consumer preference for digital banking solutions, which Nu is well-positioned to capitalize on.

The options market is pricing a significant move, indicating that traders expect more volatility than the consensus suggests.

Key Risk

If Nu's revenue significantly exceeds $5.1 billion, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Nu can sustain its growth trajectory amid increasing competition and economic challenges.

Bull Confirmed If

An EPS of $0.22 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $0.20 would raise concerns about profitability and growth potential.

Pre-Earnings Positioning

Options Market

Implied Move

±3.98%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a nearly 4% move in either direction, suggesting that traders expect significant volatility following the earnings report.

Options are pricing ±4.0% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

34.9%

Calls (3.2M)P/C Ratio: 0.68Puts (551K)

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 may see a slight decline of around 1.63% on the first day, indicating cautious optimism.

In-Line / Cautious

If results are in line with estimates, the stock may react neutrally as investors assess management's commentary.

Miss

A miss could lead to a potential decline of about 0.31%, reflecting disappointment in growth prospects.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on customer acquisition rates and retention strategies.
2Any commentary on competitive pressures in the digital banking space.
3Insights into cost management and operational efficiency.
4Future guidance on revenue growth and profitability targets.
5Details on market expansion plans, especially in new regions.

See the full picture

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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 business and attract customers, which is crucial for its long-term success.

5.1B

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

NU Q4-2025 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, exceeding estimates by 6.33%. However, the stock fell 3.65% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If Nu can exceed the EPS estimate and show strong revenue growth, it may indicate robust demand for its services, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it could raise concerns about its growth trajectory and lead to a sell-off.

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 business and attract customers, which is crucial for its long-term success.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu Holdings achieve an EPS of at least $0.21?

This number is crucial as it will indicate the company's profitability and efficiency in managing its operations.

What is the revenue outlook for the upcoming quarter?

Revenue growth is essential for assessing the company's market position and ability to attract new customers.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Nu's ability to capture market share in the digital banking space, especially in Latin America, where demand for such services is rapidly increasing.

Supporting Evidence

Recent trends show a growing consumer preference for digital banking solutions, which Nu is well-positioned to capitalize on.

The options market is pricing a significant move, indicating that traders expect more volatility than the consensus suggests.

Key Risk

If Nu's revenue significantly exceeds $5.1 billion, it could challenge the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Nu can sustain its growth trajectory amid increasing competition and economic challenges.

Bull Confirmed If

An EPS of $0.22 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $0.20 would raise concerns about profitability and growth potential.

Pre-Earnings Positioning

Options Market

Implied Move

±3.98%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a nearly 4% move in either direction, suggesting that traders expect significant volatility following the earnings report.

Options are pricing ±4.0% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

34.9%

Calls (3.2M)P/C Ratio: 0.68Puts (551K)

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 may see a slight decline of around 1.63% on the first day, indicating cautious optimism.

In-Line / Cautious

If results are in line with estimates, the stock may react neutrally as investors assess management's commentary.

Miss

A miss could lead to a potential decline of about 0.31%, reflecting disappointment in growth prospects.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on customer acquisition rates and retention strategies.
2Any commentary on competitive pressures in the digital banking space.
3Insights into cost management and operational efficiency.
4Future guidance on revenue growth and profitability targets.
5Details on market expansion plans, especially in new regions.