Nu Holdings Ltd.: EPS $0.22 vs $0.2263 expected; revenue $6.30B vs $5.96B
Key Facts
Q3 FY2026 results
| Metric | Actual | Estimate | Surprise | Year ago |
|---|---|---|---|---|
| EPS (USD) | 0.2200 | 0.2263 | −2.8% | 0.1700 |
| Revenue (USD bn) | 6.3000 | 5.9600 | +5.7% | 4.0000 |
Recent reports: actual vs estimate
| Reported | Period | EPS (USD) | Estimate | Surprise | Revenue (USD bn) | Estimate | Surprise |
|---|---|---|---|---|---|---|---|
| Nov 12, 2026 | Q3 FY2026 | 0.2200 | 0.2263 | −2.8% | 6.30 | 5.96 | +5.7% |
| Aug 13, 2026 | Q2 FY2026 | 0.2200 | 0.1984 | +10.9% | 5.88 | 5.39 | +9.1% |
| May 14, 2026 | Q1 FY2026 | 0.1900 | 0.1971 | −3.6% | 5.32 | 5.06 | +5.1% |
| Feb 25, 2026 | Q4 FY2025 | 0.1900 | 0.1998 | −4.9% | 4.90 | 4.55 | +7.7% |
| Nov 13, 2025 | Q3 FY2025 | 0.1700 | 0.1600 | +6.3% | 4.00 | 3.52 | +13.7% |
| Aug 14, 2025 | Q2 FY2025 | 0.1400 | 0.1333 | +5.0% | 3.54 | 3.19 | +11.0% |
| May 13, 2025 | Q1 FY2025 | 0.1139 | 0.1200 | −5.1% | 3.25 | 3.23 | +0.6% |
| Nov 13, 2024 | Q3 FY2024 | 0.1200 | 0.1100 | +9.1% | 2.86 | 2.61 | +9.5% |
Source: Figures from the EL7 database. Estimates are the analyst consensus carried by our data vendor (FMP), not official figures.
Nu Holdings Ltd. results: EPS $0.22 vs $0.2263 expected; revenue $6.30B vs $5.96B. The results cover the company's Q3 FY2026. EPS came in below analysts' estimate by 2.8%; revenue above the estimate by 5.7%.
Revenue was up 57.3% from $4.00 billion a year earlier (Q3 FY2025). EPS was up 29.4% from $0.17 a year earlier. On its record, EPS topped analysts' estimates in 4 of 7 earlier comparable reports.
What the results mean
Nu Holdings Ltd.’s results reflect growth in interest income and financial instrument gains, alongside fee and commission income. These income sources fit a platform spanning accounts, payments, cards, borrowing and investing, allowing it to serve a range of financial needs within its app.
Revenue growth came with rising credit loss provisions and administrative and marketing expenses, making risk and cost control central to understanding profitability. Net income increased with a contribution from lower tax expense, so operating performance and taxes warrant separate consideration when assessing earnings growth.
What to watch on the earnings call: Credit portfolio quality and the reasons for rising loss provisions, the contribution of interest and fees to revenue growth, the drivers of administrative and marketing spending, the nature and durability of the reduction in tax expense, and how management balances broader use of platform services with risk and cost control.
For the full analysis of Nu Holdings Ltd. stock — valuation, scores and financial statements — see the stock page linked with this story.