Konstantinos Kousouris @Le_kousou: "📊 Nu Holdings ($NU) –..."

United Kingdom

📊 Nu Holdings ($NU (Nu Holdings Ltd.)) – Q4 & FY 2025 Earnings Breakdown Yesterday, Nu Holdings Ltd. (NU) reported Q4 & Full Year 2025 earnings — and in my opinion, this was a strategically strong report, not just a “good numbers” report. Let’s break it down 👇 📈 The Numbers (Quantitative Highlights) Q4 2025: • Revenue: $4.9B (+45% YoY) → beat expectations by ~7–8% • Net Income: $895M (+50% YoY) • EPS: $0.18 (+64% YoY) • ROE: 33% (record high) • Efficiency Ratio: 19.9% (improving scalability) Full Year 2025: • Revenue: $16.3B (+45% YoY) • Net Income: $2.9B (+47% YoY) • 131 million customers globally • +17 million customers added in 2025 This is not just growth. This is profitable scale. 🏦 Operational Strength • 83% monthly activity rate • ARPAC up 27% YoY • NPL ratios improving (asset quality getting stronger) • $8.9B total capital & strong liquidity position They’re growing fast — but they’re also controlling risk. That combination matters. 🎯 Vision & Strategy – Why This Is Bigger Than One Quarter CEO David Vélez described 2026 as an inflection year. Here’s what stood out to me: 1️⃣ Latin America Dominance Brazil is already massive for them. Mexico is scaling fast. Colombia is accelerating. They are deepening their leadership before expanding outward. 2️⃣ AI as a Structural Advantage AI underwriting (nuFormer), smarter credit decisions, cross-selling optimization, operational efficiency. This is not “AI hype.” It’s embedded in their core banking model. 3️⃣ U.S. Expansion They’ve already filed for a U.S. national bank charter and received conditional approval. That’s not a small ambition. That’s a long-term global platform vision. 💡 Why I’m Invested I invest in companies that: • Scale profitably • Reinforce competitive moats • Reinvest intelligently • Think long term NU checks those boxes. Yes — 2026 will likely be an investment year, which could pressure short-term efficiency. But I prefer management that invests for 5–10 years ahead rather than optimizing the next quarter. 131M customers. High engagement. Strong ROE. Expanding credit intelligently. AI integration. Global ambition. That’s not a small regional fintech anymore. That’s a platform in transition. The stock reaction was slightly negative after earnings (~-2%), likely due to near-term investment concerns. But structurally? I believe this company still has a lot to give long term. 📈 How did you find this post, let me know in the comments👇 $SPX500 $NU $BARC.L (Barclays) $WFC (Wells Fargo & Co) $V (Visa) $WISE.L (Wise Ltd)

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