Nu Holdings Q4 Net Profit Soars 50% to $894.8M; Q1 EPS Forecast $0.20
Nu Holdings Ltd. reported a fourth-quarter net profit of $894.8 million, a 50% year-over-year increase driven by accelerated digital lending in Brazil. Analysts forecast Q1 2026 EPS of $0.20 on revenue of $4.55 billion, underpinned by 16% user growth and 39% revenue expansion in 2025.
1. Fourth-Quarter Profit Growth
Nu Holdings Ltd. recorded net income of $894.8 million in Q4 2025, a 50% increase from Q4 2024, fueled by strong digital loan origination in Brazil and improved operational efficiency across its platform.
2. Q1 2026 Earnings Forecast
Analysts expect the company to deliver revenue of $4.55 billion and EPS of $0.20 for Q1 2026, supported by a 16% year-over-year rise in new user additions and continued expansion of fee-based financial services.
3. Market Valuation and Deposit Base
By year-end 2025, Nu Holdings had amassed 127 million users and $29 billion in customer deposits, trading at a P/E ratio of 31.6 and a price-to-sales ratio of 5.9, underscoring a premium valuation among fintech peers.