The strong financial performance and U.S. expansion plans suggest continued growth momentum. Traders should monitor the execution of the U.S. bank launch and any regulatory developments that could impact the timeline.
Price Chart
Executive Summary
Nu Holdings Ltd. reported strong financial results for FY 2025, with revenue of $16.3 billion and net income of $2.9 billion, driven by significant customer growth to 131 million and record quarterly net income of $895 million. The company also received conditional approval for a U.S. national bank charter.
Key Facts
- Revenue for FY 2025 was $16.3 billion, up 45% YoY
- Net income for FY 2025 was $2.9 billion, up 45% from $2.0 billion in FY 2024
- Q4 2025 net income was $895 million, up 13% sequentially and 50% YoY
- Total customers reached 131 million as of December 31, 2025, with 17 million net adds in 2025
- Total deposits reached $41.9 billion, up 29% YoY
- Received conditional approval from the OCC for a U.S. national bank charter on January 29, 2026
Financial Impact
Revenue grew 45% YoY to $16.3 billion, net income grew 45% to $2.9 billion
Risk Factors
- Regulatory approval for the U.S. national bank is still pending final approval
- Execution risk in expanding operations to the United States
- Potential for increased competition in core markets
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 12 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 20-F Filing (Primary) | 0001292814-26-002166 |
| Exhibit: ex11-1.htm | 0001292814-26-002166 |
| Exhibit: ex2-1.htm | 0001292814-26-002166 |
| Exhibit: ex08-1.htm | 0001292814-26-002166 |
| Exhibit: ex97-1.htm | 0001292814-26-002166 |
| Exhibit: ex4-8.htm | 0001292814-26-002166 |
| Exhibit: ex12-2.htm | 0001292814-26-002166 |
| Exhibit: ex12-1.htm | 0001292814-26-002166 |
| Exhibit: ex13-2.htm | 0001292814-26-002166 |
| Exhibit: ex13-1.htm | 0001292814-26-002166 |
| Exhibit: ex23-1.htm | 0001292814-26-002166 |
| Document: 0001292814-26-002166-index-headers.html | 0001292814-26-002166 |
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Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 2d ago | 6-K | $15.18 | awaiting T+60 | — | $12.02 (−20.82%) |
Sep 10, 2026 6w ago | 6-K | $15.02 | awaiting T+60 | — | $12.02 (−19.97%) |
Sep 2, 2026 7w ago | 6-K | $15.68 | awaiting T+60 | — | $12.02 (−23.34%) |
Aug 18, 2026 9w ago | Insider Cluster | $14.61 | awaiting T+60 | — | $12.02 (−17.73%) |
Aug 13, 2026 10w ago | 6-K | $15.23 | awaiting T+60 | — | $12.02 (−21.08%) |
Aug 13, 2026 10w ago | 6-K | $15.23 | awaiting T+60 | — | $12.02 (−21.08%) |
Aug 13, 2026 10w ago | 6-K | $15.23 | awaiting T+60 | — | $12.02 (−21.08%) |
Jul 20, 2026 13w ago | 6-K | $14.39 $15.58 | ▲ +8.27% | ▲ +4.30% | $12.02 (−16.47%) |
Jul 10, 2026 15w ago | 6-K | $13.76 $15.18 | ▲ +10.32% | ▲ +7.69% | $12.02 (−12.65%) |
Jun 4, 2026 20w ago | 6-K | $12.12 $14.30 | ▲ +17.99% | ▲ +16.11% | $12.02 (−0.83%) |
US Market Status
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