Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$58.2B

May14Thu

Pre-Earnings Brief

UpcomingQ1-2026After Close5:00 PM EDT

Company Snapshot

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

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

0.21

Revenue

Revenue growth reflects the company's ability to attract and retain customers, which is crucial for its expansion.

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 operating in the diversified banking sector. With a market cap of $64 billion, it focuses on providing digital banking solutions in Latin America, catering to a growing demand for accessible financial services.

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 Q3-2025, Nu Holdings reported an EPS of $0.16, exceeding expectations slightly. However, the stock experienced a decline of 3.65% the following day, indicating market caution despite the positive surprise.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Nu Holdings to report a solid quarter with an EPS of $0.21 and revenue of $5.1 billion. The market is closely watching for any signs of growth in customer acquisition and retention.

Bull Case

If Nu can exceed EPS expectations and show strong revenue growth, it could signal robust demand for its services, leading to a positive market reaction.

Bear Case

Conversely, if the company fails to meet earnings expectations or shows signs of slowing growth, it may lead to a sell-off, particularly given the recent stock performance.

Key Metrics to Watch

Earnings Per Share (EPS)

0.21

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

Revenue

5.1B

Revenue growth reflects the company's ability to attract and retain customers, which is crucial for its expansion.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu Holdings achieve an EPS of $0.21 or higher?

This figure is critical as it reflects the company's profitability and can significantly influence investor sentiment.

How does revenue compare to the expected $5.1 billion?

Meeting or exceeding revenue expectations is vital for demonstrating growth and attracting new customers.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Nu's growth potential in the digital banking space, especially given the increasing demand for financial inclusion in Latin America.

Supporting Evidence

Options are pricing an 11.11% move, indicating higher volatility expectations than historical averages suggest.

The recent EPS beat rate of 63% indicates that the company has a history of exceeding expectations, which may not be fully reflected in current estimates.

Key Risk

If the company reports an EPS below $0.20, it could challenge the optimistic growth narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is focused on profitability and revenue growth, especially in the context of recent performance and market conditions.

Bull Confirmed If

An EPS of $0.21 or better, coupled with revenue exceeding $5.1 billion, would confirm strong growth prospects.

Bear Confirmed If

An EPS below $0.20 or revenue falling short of $4.9 billion would indicate potential challenges in growth.

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 traders anticipate volatility around the earnings report.

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 a potential stock increase, confirming strong demand and operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may remain stable, but cautious commentary could lead to a muted reaction.

Miss

A miss on earnings could lead to a decline, with history indicating an average drop of around 0.31% following such outcomes.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and retention metrics.
2Insights into revenue growth drivers and potential new product launches.
3Management's outlook on market conditions in Latin America.
4Comments on competitive positioning against other fintech companies.
5Any changes in operational costs or efficiency improvements.

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Company Snapshot

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

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

0.21

Revenue

Revenue growth reflects the company's ability to attract and retain customers, which is crucial for its expansion.

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

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Nu Holdings to report a solid quarter with an EPS of $0.21 and revenue of $5.1 billion. The market is closely watching for any signs of growth in customer acquisition and retention.

Bull Case

If Nu can exceed EPS expectations and show strong revenue growth, it could signal robust demand for its services, leading to a positive market reaction.

Bear Case

Conversely, if the company fails to meet earnings expectations or shows signs of slowing growth, it may lead to a sell-off, particularly given the recent stock performance.

Key Metrics to Watch

Earnings Per Share (EPS)

0.21

EPS is a key indicator of profitability and helps investors gauge the company's financial health.

Revenue

5.1B

Revenue growth reflects the company's ability to attract and retain customers, which is crucial for its expansion.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will Nu Holdings achieve an EPS of $0.21 or higher?

This figure is critical as it reflects the company's profitability and can significantly influence investor sentiment.

How does revenue compare to the expected $5.1 billion?

Meeting or exceeding revenue expectations is vital for demonstrating growth and attracting new customers.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Nu's growth potential in the digital banking space, especially given the increasing demand for financial inclusion in Latin America.

Supporting Evidence

Options are pricing an 11.11% move, indicating higher volatility expectations than historical averages suggest.

The recent EPS beat rate of 63% indicates that the company has a history of exceeding expectations, which may not be fully reflected in current estimates.

Key Risk

If the company reports an EPS below $0.20, it could challenge the optimistic growth narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is focused on profitability and revenue growth, especially in the context of recent performance and market conditions.

Bull Confirmed If

An EPS of $0.21 or better, coupled with revenue exceeding $5.1 billion, would confirm strong growth prospects.

Bear Confirmed If

An EPS below $0.20 or revenue falling short of $4.9 billion would indicate potential challenges in growth.

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 traders anticipate volatility around the earnings report.

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 a potential stock increase, confirming strong demand and operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may remain stable, but cautious commentary could lead to a muted reaction.

Miss

A miss on earnings could lead to a decline, with history indicating an average drop of around 0.31% following such outcomes.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and retention metrics.
2Insights into revenue growth drivers and potential new product launches.
3Management's outlook on market conditions in Latin America.
4Comments on competitive positioning against other fintech companies.
5Any changes in operational costs or efficiency improvements.