Share Nu earnings reach a record as customer growth improves its cost outlook
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Earnings results
Nu HoldingsNU · Banks - Regional
NU · November 12, 2026After close · Since the same-day regular close
+3.61%Session snapshot

Nu earnings reach a record as customer growth improves its cost outlook

Earnings results

  • EPS comparison unavailable

    Diluted profit per share: $0.2235 · Matching consensus not verified.

  • Revenue comparison unavailable

    IFRS revenue: $5.82B · Matching consensus not verified.

  • Guidance improved

    2026 operating-cost ratio: 19–19.5% vs. about 20% previously.

By Stocks To Buy Now AI ResearchPublished

THE CATALYST

What the company reported

Nu reported record quarterly net income while lowering its expected operating-cost ratio, allowing more revenue growth to reach shareholders despite rising delinquency.

AT A GLANCE

Q3 2026 earnings recap

Nu reported record earnings as customer growth and tighter costs improved its full-year profitability outlook.

  • Net income rose 39% in reported dollars to $1.09 billion, with diluted profit per share of $0.22.
  • IFRS revenue increased 39% to $5.82 billion as lending and fee income expanded.
  • The bank added 3.7 million customers, reaching 143 million and creating more opportunities to sell financial services.
  • Management now expects operating costs to absorb 19–19.5% of revenue this year, down from about 20% previously.
  • Loans more than 90 days overdue rose to 7.3% from 6.9%, making credit quality the main check on growth.
  • The $11.83 regular close preceded the release and sat below recent resistance near $12.4.

Watch whether customer growth and cost savings can keep lifting profit as late payments rise.

THE VISUAL RESEARCH

Financials, technicals and earnings

Charts through Nov 12, 2026.

Financials
Technicals
Earnings & peers
WHAT TO WATCH

Technical setup and risks

The regular close preceded the earnings release and remains within the recent $11.2–12.40 range; a break beyond either boundary would clarify direction.

AI-assisted earnings research with verified issuer results. Charts use the stated completed session. Educational information; investing involves risk.

EXPLORE COMPANY RESEARCH

Nus: the full stock picture

Earnings history, financials, price action and peer comparisons — all below.
Open NU stock page ↗

EXPLORE THE COMPANY

Nus (NU)

Explore earnings, price action, financials and industry comparisons.

Symbol
NU
Sector
Financial Services
Industry
Banks - Regional
Instrument type
EQUITY

Profile information from our saved company catalog. This is not a live quote or confirmation of current listing status.

EARNINGS & COMPANY RESEARCH

NU earnings, valuation & price action

View in calendar ↗
NEXT EXPECTED REPORTNov 12 2026After close · ET
EPS ESTIMATE0.23
REVENUE ESTIMATE5.96B

Expected dates may change. Estimates use the source’s reporting currency. Quotes and research are snapshots, not live prices.

COMPANY RESEARCH · Financial Services

Nu Holdings Ltd. NU

Banks - Regional · Updated 11/12/2026

Adjusted closing price · USD12.32 Nov 11
11141719Nov 10May 13Nov 11
Price50-day average200-day average-23.1% in view
VALUATION & EXPECTATIONS
Trailing P/E15.9×
Forward P/E14.2×
Trailing P/S2.9×
Forward P/S2.5×
EPS beat rate63%
Revenue beat rate100%
Positive window38%

EPS beats: 5 of 8 comparable reports. Positive price windows: 3 of 8.

Market caps may be up to 14 days old; prices up to seven days old; ratios and analyst estimates up to fourteen days old. Forward multiples use consensus for the fiscal year ending 2026-12-31, not the next 12 months. Negative or unavailable earnings multiples show “N/A”. Forward ADR multiples are omitted when the currency/share basis is not reconciled.

50-day average13.88
200-day average14.24
RSI (14)42
20-day range11.61 – 15.16
Relative volume0.7×
1-year change-23.1%
Last eight reported earnings for NU
Report dateEPS estimateEPS actualSurpriseResultRevenue actualPrice window*5 sessions*
Aug 13 20260.200.22+10.9%Beat5.88B+12.3%+4.8%
May 14 20260.200.19-4.2%Miss5.32B-4.9%+2.7%
Feb 25 20260.200.19-4.9%Miss4.9B-8.9%-9.3%
Nov 13 20250.160.17+6.3%Beat4B-2.2%-5.3%
Aug 14 20250.130.14+5.0%Beat3.54B+5.9%+10.5%
May 13 20250.120.11-5.1%Miss3.25B+4.2%-1.4%
Feb 20 20250.120.12+0.8%Beat2.99B-19.7%-16.5%
Nov 13 20240.110.12+9.1%Beat2.86B-4.1%-15.9%

*Adjusted close before the report date to the first (or fifth) trading close after it. This window can span two sessions and is not an isolated earnings-day return. Figures may be revised by the provider.

Smart Money activity

Recent insider and politician transactions, and disclosed fund positions for NU.

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More NU research Data,
02 / FINANCIALS

Nus financials

Revenue, earnings, cash flow and financial strength in one view.

Reporting currency unconfirmed.

Revenue
Net income
Gross profit
Operating income
EBITDA
Operating cash flow
Capital expenditure
Cash
Total assets
Total liabilities
Shareholder equity
Total debt
Net profit margin
Gross margin
Short interest: days to cover
How to read these financial metrics

Figures use the app’s saved statements for the displayed period, not a trailing-year total. Margins divide profit by revenue; quick ratio uses current assets less inventory divided by current liabilities. Compare dates and currencies before comparing companies.

03 / WHAT COMES NEXT

Nus event catalysts

Company earnings and scheduled market events that may change expectations.

2026-11-12

NU earnings

Watch reported results, management’s outlook and the share-price reaction.

See earnings expectations ↑
2026-11-128:30 AM ET

Initial jobless claims

Use the multiweek trend to distinguish normal volatility from a sustained increase in layoffs.

Release schedule ↗Scheduled
2026-11-138:30 AM ET

PPI inflation

Watch the surprise versus expectations and implications for margins and interest rates.

Release schedule ↗Scheduled
2026-11-13Time not announced

Russell · preliminary additions/deletions

Check the official lists. Preliminary changes can be revised.

Release schedule ↗Scheduled
2026-11-16Filing deadline · ET date

13F filing deadline · Q3 holdings

Filings may arrive earlier and positions can have changed. A filing is not a new trade or a guarantee of buying pressure.

Release schedule ↗Scheduled
2026-11-178:30 AM ET

Retail sales

Look beyond autos and gasoline; stronger spending can help earnings but also keep yields elevated.

Release schedule ↗Scheduled
2026-11-179:15 AM ET

Industrial production

Check factory output and utilization for changes in cyclical demand.

Release schedule ↗Scheduled
2026-11-188:30 AM ET

Housing starts & building permits

Housing is sensitive to interest rates. Watch permits for indications of future building activity.

Release schedule ↗Scheduled
2026-11-182:00 PM ET · expected

FOMC minutes

Methodology-based date; confirm the Fed calendar closer to release.

Release schedule ↗Rule-based date

Dates use U.S. Eastern time and can change. Calendar events provide context; they do not determine the direction of a stock move.

04 / SIDE BY SIDE

Compare NU with its peers

Banks - Regional · Compare valuation, financial strength and price performance.

Companies with valuation data6
Peer median positive P/E13.2×
NU P/E15.9×
NU peer comparison: valuation
CompanyPriceMarket capP/EForward P/EP/SForward P/S
NUNus2026-11-11 · USD12.3256.71B15.9×14.2×2.9×2.5×
AFRMAffirm Holdings, Inc.2026-11-10 · USD65.9522.56B13.2×33.1×5.4×4.1×
MELIMercadoLibre, Inc.2026-11-12 · USD1,487.1277.58B41.0×38.9×2.0×1.9×
PAYTM.NSOne97 Communications Limited
PICSPicS N.V.2026-11-12 · USD7.04938.86M3.9×4.3×0.4×0.3×
SOFISoFi Technologies, Inc.2026-11-11 · USD16.2721.12B28.1×26.9×3.5×4.2×
STNEStoneCo Ltd.2026-11-10 · USD7.671.7B3.1×0.8×0.7×0.1×
NU15.9×
AFRM13.2×
MELI41.0×
PICS3.9×
SOFI28.1×
STNE3.1×

The peer median excludes the selected stock and is based on 5 available positive multiples. P/E median excludes negative or missing earnings multiples. Peer reports can have different fiscal periods and currencies; values are not currency-converted.

05 / PEER ANALYSIS

Explore NU alongside its peers

Banks - Regional · 44 companies · Cached market data

Comparison

Compare companies

Tap a bubble to inspect a company, then × to hide it. Undo restores the last company hidden. Bubble area reflects market cap, with a minimum size for visibility.

Price / sales
0.4×22.51B1.5×56.11B2.5×89.71B3.6×123.31BMFG · Mizuho Financial Sp Market cap: 113.56B Price / sales: 2.1×ITUB · Itau Unibanco Banco Market cap: 80.35B Price / sales: 1.2×DB · Deutsche Bank AG Market cap: 65.5B Price / sales: 0.9×FITB · Fifth Third Bancorp Market cap: 49.37B Price / sales: 3.1×HBAN · Huntington Bancsharesorpora Market cap: 32.27B Price / sales: 2.1×NU · Nu Holdings Ltd. Market cap: 56.71B Price / sales: 2.9×Hide NU · Undo restores itMarket cap
NUNu Holdings Ltd.

Market cap: 56.71B
Price / sales: 2.9×

Valuation snapshot: 2026-11-11
View research ↗
6 of 44 companies have both plotted values.

P/S distribution

Trailing price-to-sales multiples · 6 companies

Median P/S2.1×
Middle 50%1.4× to 2.7×
NU P/S2.9×
NU
0.8×3.2×

Tap a bar to see the companies in that P/S range. NU has a higher P/S than 67% of this group.

38 companies excluded from P/S statistics because sales are non-positive or the saved multiple is missing. Statistics include all valid positive values, including those outside the focused chart range.

Companies

Showing 8 of 44 matching companies · Largest market cap first

  • Market cap 123.75BP/E P/S Forward P/E Forward P/S Catalog snapshot
    ↗
  • Market cap 113.56BP/E 13.8×P/S 2.1×Forward P/E Forward P/S Price snapshot: 2026-11-11
    ↗
  • Market cap 108.53BP/E P/S Forward P/E Forward P/S Catalog snapshot
    ↗
  • Market cap 100.44BP/E P/S Forward P/E Forward P/S Catalog snapshot
    ↗
  • Market cap 99.6BP/E P/S Forward P/E Forward P/S Catalog snapshot
    ↗
  • Market cap 90.85BP/E P/S Forward P/E Forward P/S Catalog snapshot
    ↗
  • Market cap 80.35BP/E 10.2×P/S 1.2×Forward P/E Forward P/S Price snapshot: 2026-11-11
    ↗
  • Market cap 77.32BP/E P/S Forward P/E Forward P/S Catalog snapshot
    ↗

Explore industries

Open an industry for its comparison, valuation and companies.

U.S.-listed companies from the app’s catalog. Medians use saved positive P/E values; coverage and snapshot dates vary.

How this comparison works

Uses the saved companies from the same industry and listing market, including NU, ordered by cached market cap. Company snapshots can have different dates; the web cache may cover fewer metrics and periods than the app.

Periods end at each company’s dated price snapshot. Change compares the latest saved observation with one at or before the selected period’s start. A daily price change uses consecutive saved sessions. Financial data updates quarterly, so short periods may show no change. Missing history and zero starting values are excluded; a negative starting value uses its absolute value as the denominator.

Metrics use saved ratios and percentages. Market caps use the listing market’s reporting currency; underlying financial statements may use different currencies. Circle sizes have a minimum for touch visibility, and an outlined circle indicates a missing market cap. These comparisons describe data, not recommendations or price predictions.

Related research

Company research, movers, earnings and options results.

INDUSTRY COMPARISON

NU industry peers

Banks - Regional · Oct 16, 2026 · Closing-price performance

No industry peers are available in the current heatmap coverage.