Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$73.2B

May14Thu

Pre-Earnings Brief

UpcomingQ1-2026After Close5:00 PM EDT

Company Snapshot

Nu Holdings Ltd. is a financial services company that operates in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing costs and generating income.

0.21

Revenue

Revenue growth is crucial for assessing the company's ability to expand its customer base and market presence.

5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q1-2026 Earnings Preview

Context

Company Snapshot

Nu Holdings Ltd. is a financial services company that operates in the diversified banking sector. It focuses on providing digital banking solutions, primarily in Latin America, and is part of the growing trend towards digital finance and consumer banking.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In the last quarter, Nu Holdings reported an EPS of $0.16, exceeding expectations slightly. However, the stock experienced a decline of 3.65% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Nu Holdings to report a solid quarter with earnings and revenue in line with or slightly above estimates. The market is closely watching for any signs of growth in customer acquisition.

Bull Case

If Nu can exceed EPS expectations and show strong revenue growth, it could signal robust demand for its services, potentially driving the stock higher.

Bear Case

Conversely, if the company misses earnings expectations or provides weak guidance, it could raise concerns about its growth trajectory and lead to a significant drop in stock price.

Key Metrics to Watch

EPS

0.21

Earnings per share is a key indicator of profitability and will show how well the company is managing costs and generating income.

Revenue

5.1B

Revenue growth is crucial for assessing the company's ability to expand its customer base and market presence.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.21?

A beat on EPS could indicate stronger-than-expected profitability and boost investor confidence.

What are the revenue figures relative to the $5.1B consensus?

Revenue growth is critical for assessing the company's market position and future growth potential.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may be underestimating the potential for revenue growth due to Nu's expanding user base and digital banking adoption in Latin America.

Supporting Evidence

The options market is pricing a significant move, indicating higher volatility expectations than historical averages.

Nu has a history of beating EPS estimates, suggesting a potential upside surprise.

Recent trends in digital banking indicate a shift towards increased consumer adoption, which could benefit Nu.

Key Risk

If revenue growth significantly outpaces expectations, it could challenge the current consensus outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is pivotal in determining whether Nu Holdings can maintain its growth trajectory in a competitive market.

Bull Confirmed If

An EPS of $0.22 or higher with revenue exceeding $5.2B would confirm strong operational performance.

Bear Confirmed If

An EPS below $0.20 or revenue under $4.9B would raise concerns about the company's growth prospects.

Pre-Earnings Positioning

Options Market

Implied Move

±11.11%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a significant move, suggesting that investors are anticipating volatility around the earnings announcement.

Options are pricing ±11.1% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.5%

30d HV

35.4%

Calls (3.9M)P/C Ratio: 1.41Puts (784K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the first day, but it would confirm strong operational momentum.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may react neutrally or slightly down.

Miss

If the company misses expectations, history suggests a potential increase of around 0.31% on the first day, indicating market resilience despite the miss.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and growth in user engagement.
2Insights into competitive positioning in the Latin American digital banking market.
3Management's outlook on future revenue growth and market expansion strategies.
4Details on cost management and profitability improvements.
5Any commentary on macroeconomic factors affecting the business.

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Company Snapshot

Nu Holdings Ltd. is a financial services company that operates in the diversified banking sector....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing costs and generating income.

0.21

Revenue

Revenue growth is crucial for assessing the company's ability to expand its customer base and market presence.

5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q1-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In the last quarter, Nu Holdings reported an EPS of $0.16, exceeding expectations slightly. However, the stock experienced a decline of 3.65% the following day, indicating mixed market reactions.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If Nu can exceed EPS expectations and show strong revenue growth, it could signal robust demand for its services, potentially driving the stock higher.

Bear Case

Conversely, if the company misses earnings expectations or provides weak guidance, it could raise concerns about its growth trajectory and lead to a significant drop in stock price.

Key Metrics to Watch

EPS

0.21

Earnings per share is a key indicator of profitability and will show how well the company is managing costs and generating income.

Revenue

5.1B

Revenue growth is crucial for assessing the company's ability to expand its customer base and market presence.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.21?

A beat on EPS could indicate stronger-than-expected profitability and boost investor confidence.

What are the revenue figures relative to the $5.1B consensus?

Revenue growth is critical for assessing the company's market position and future growth potential.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may be underestimating the potential for revenue growth due to Nu's expanding user base and digital banking adoption in Latin America.

Supporting Evidence

The options market is pricing a significant move, indicating higher volatility expectations than historical averages.

Nu has a history of beating EPS estimates, suggesting a potential upside surprise.

Recent trends in digital banking indicate a shift towards increased consumer adoption, which could benefit Nu.

Key Risk

If revenue growth significantly outpaces expectations, it could challenge the current consensus outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is pivotal in determining whether Nu Holdings can maintain its growth trajectory in a competitive market.

Bull Confirmed If

An EPS of $0.22 or higher with revenue exceeding $5.2B would confirm strong operational performance.

Bear Confirmed If

An EPS below $0.20 or revenue under $4.9B would raise concerns about the company's growth prospects.

Pre-Earnings Positioning

Options Market

Implied Move

±11.11%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a significant move, suggesting that investors are anticipating volatility around the earnings announcement.

Options are pricing ±11.1% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.5%

30d HV

35.4%

Calls (3.9M)P/C Ratio: 1.41Puts (784K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the first day, but it would confirm strong operational momentum.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may react neutrally or slightly down.

Miss

If the company misses expectations, history suggests a potential increase of around 0.31% on the first day, indicating market resilience despite the miss.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and growth in user engagement.
2Insights into competitive positioning in the Latin American digital banking market.
3Management's outlook on future revenue growth and market expansion strategies.
4Details on cost management and profitability improvements.
5Any commentary on macroeconomic factors affecting the business.