Nu
Runs a branchless financial platform across Brazil, Mexico, and Colombia.
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Profile
Runs a mobile-first financial platform spanning credit cards, accounts and deposits, lending, investments, insurance, payments, and small-business services across Brazil, Mexico, and Colombia. A branchless technology stack supports low-cost digital servicing, while deposits fund credit products and country offerings depend on local licenses, underwriting, collections, and reliable systems.
Runs a branchless financial-services platform across Brazil, Mexico, and Colombia. Products span credit cards, consumer and small-business accounts and deposits, unsecured, payroll, and secured lending, investments, insurance, payments, marketplace features, and small-business services.
Began with a no-annual-fee, app-managed Brazilian credit card and expanded through a repeatable card-first, account-and-deposit, then broader-products sequence. A shared technology and data platform supports digital acquisition, servicing, and reuse of capabilities across countries; Brazil remains the largest market.
Deposits fund credit products, tying growth to underwriting, collections, and funding availability. Country product sets depend on local licenses and regulatory sequencing, while secure service reliability and exposure to Latin American currencies and macroeconomic conditions shape operations.
Company facts
Key statistics
Year to date −16.0% · Average volume (30d) 75.8M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 25, 2026 | Wolfe Research | Reiterate | Outperform | $17 | ||
| Aug 20, 2026 | UBS | Reiterate | Buy | $16.90 | $18.20 | |
| Aug 14, 2026 | Needham | Reiterate | Buy | $17 | $19 | |
| Jun 26, 2026 | Needham | Initiate | Buy | $17 | ||
| Jun 15, 2026 | Citigroup | Downgrade | Buy | Neutral |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 13, 2026Q2 FY26 | $0.20 | $0.22 | +10.9% | $5.39B | $5.88B | +9.1% | +9.33% |
| May 14, 2026Q1 FY26 | $0.20 | $0.19 | −3.6% | $5.06B | $4.97B | −1.8% | −5.72% |
| Feb 25, 2026Q4 FY25 | $0.20 | $0.19 | −4.9% | $4.55B | $4.90B | +7.7% | −9.55% |
| Nov 13, 2025Q3 FY25 | $0.16 | $0.17 | +6.3% | $3.52B | $4.00B | +13.7% | +1.48% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $3.25B | $3.68B | $4.17B | $4.70B | $4.98B | $5.52B | |
| Gross profit | $1.38B | $1.64B | $1.95B | $2.09B | $2.00B | $2.50B | |
| Operating income | $795.1M | $879.4M | $1.12B | $1.08B | $954.3M | $1.24B | |
| Net income | $557.2M | $636.8M | $782.5M | $892.4M | $872.1M | $1.06B | |
| Diluted EPS | $0.11 | $0.13 | $0.16 | $0.18 | $0.18 | $0.22 | |
| Gross margin | 42.4% | 44.6% | 46.6% | 44.3% | 40.2% | 45.3% | |
| Operating margin | 24.5% | 23.9% | 26.7% | 22.9% | 19.2% | 22.4% |
Fiscal years (4-quarter sums)FY21 $1.51B · FY22 $4.52B · FY23 $7.77B · FY24 $11.10B · FY25 $15.81B
Balance sheet, Jun 30, 2026Cash & short-term investments $9.84B · Total debt $42.02B · Total assets $82.75B · Shareholders' equity $13.25B
Dividends
No dividends on record.
Ownership
Shares outstanding 4.84B · Float 3.63B · 74.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| David Velez Osorno | 905.58M | 19.16% | 13G | Oct 17, 2025 |
| BlackRock, Inc. | 355.01M | 7.33% | 13F | Aug 7, 2026 |
| Baillie Gifford & Co | 229.93M | 4.75% | 13F | Aug 6, 2026 |
| Capital Research Global Investors | 142.76M | 2.95% | 13F | Aug 12, 2026 |
| Morgan Stanley | 117.97M | 2.44% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 25, 2026 | Cristina Helena Zingaretti Junqueira | officer: US CEO & Chief Growth Officer | −65,000 | $14.71 |
| Aug 24, 2026 | Cristina Helena Zingaretti Junqueira | officer: US CEO & Chief Growth Officer | −25,000 | $15.00 |
| Aug 14, 2026 | Cristina Helena Zingaretti Junqueira | officer: US CEO & Chief Growth Officer | −50,000 | $15.80 |
| Aug 14, 2026 | Henrique Camossa Saldanha Fragelli | officer: Chief Risk Officer | −221,707 | $15.81 |
| May 15, 2026 | Anita M. Sands | director | −21,000 | $12.24 |
Peers
- Itaú Unibanco (ADR)
Brazil's broadest incumbent overlap in credit, deposits and investments
- MercadoLibre
Regional digital-finance rival across cards, credit and payments
- Banco Bradesco (ADR)
Large Brazilian incumbent spanning banking, cards and insurance
- Santander Brasil (ADR)
Scaled Brazilian rival in cards, consumer finance and deposits
- Inter & Co
Digital-bank peer across accounts, credit, investments and insurance
- BBVA (ADR)
Mexico's largest incumbent across deposits, cards and retail lending
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Nu | $14.32 | +0.21% | $69.26B | 19.3 | 14.4 | 3.6 | +66.0% |
| Itaú Unibanco (ADR) | $7.50 | +0.13% | $82.66B | 9.6 | 9.9 | — | −51.6% |
| MercadoLibre | $1,962.01 | −0.29% | $99.68B | 53.5 | 45.6 | 2.8 | +50.2% |
| Banco Bradesco (ADR) | $3.28 | +0.92% | $34.37B | 7.5 | 7.4 | 0.5 | −47.8% |
| Santander Brasil (ADR) | $5.81 | −0.17% | $43.50B | 10.8 | 9.1 | 1.1 | −54.6% |
| Inter & Co | $5.39 | 0.00% | $2.38B | 8.0 | 8.2 | 0.7 | −18.0% |
| BBVA (ADR) | $28.93 | −0.24% | $160.23B | 13.3 | 10.5 | 3.4 | +17.8% |
| Median | 10.2 | 9.5 | 1.1 | −32.9% |