Nu Holdings Reports Robust Full-Year 2025 Financial Results with Significant Growth Across Key Metrics
NU sits 85% above its 52-week low of $9.01.
Summary
Nu Holdings Ltd. reported robust full-year 2025 financial results, showcasing significant growth in net income, revenue, and customer deposits, while maintaining strong capital adequacy.
Key Events · Earnings and Guidance · NU
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Record Net Income Growth
Net income for 2025 surged to $2.87 billion, a 45.6% increase from $1.97 billion in 2024, reflecting strong profitability.
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Substantial Revenue Expansion
Total revenue reached $15.77 billion in 2025, up 37.0% from $11.52 billion in 2024, driven by growth in interest and fee income.
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Strong Balance Sheet Growth
Total assets grew by 50.0% to $74.89 billion in 2025 from $49.93 billion in 2024, with total equity increasing by 48.1% to $11.32 billion.
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Healthy Capital Adequacy
The company's prudential conglomerate in Brazil, Nu Mexico Financiera, and Nu Colombia all reported capital ratios above minimum regulatory requirements, indicating strong financial health.
Analysis · NU · Finance
Nu Holdings Ltd. has filed its comprehensive annual financial statements for the year ended December 31, 2025, revealing exceptionally strong performance. The company demonstrated substantial growth in net income, revenue, and its overall balance sheet, reinforcing its position as a rapidly expanding financial institution. While expected credit losses increased in absolute terms, this appears proportional to the significant expansion of its credit card and loan portfolios, with coverage ratios remaining stable. The company maintains healthy regulatory capital ratios across its operating regions and received a clean audit opinion. This detailed report provides the underlying financial data supporting the robust Q4 2025 results previously or concurrently announced, and confirms the strategic conditional approval for a US national bank, positioning Nu for continued expansion.
At the time of this filing, NU was trading at $16.70 on NYSE in the Finance sector, with a market capitalization of approximately $80.7B. The 52-week trading range was $9.01 to $18.98. This filing was assessed with positive market sentiment and an importance score of 9 out of 10.