Nu Holdings Ltd (NU) Stock Price Today — Live Chart and Analysis

Nu combines hyper-growth with improving profitability—a rare combination in fintech. The company added 17 million customers in 2025, grew revenue 45% to $16.3 billion, and posted a 33% return on equity in Q4 2025. With over 131 million customers across Brazil, Mexico, and Colombia, and a US market entry underway, Nu has a large addressable market and a proven low-cost digital model.

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Yes—Nu has been consistently profitable and accelerating. In FY2025 the company posted net income of $2.9 billion, up 45% from $2.0 billion in 2024. Q4 2025 was a record quarter with $895 million in net income and a 33% return on equity. The efficiency ratio improved to 19.9% in Q4 2025, reflecting strong operating leverage from the company's digital-only model.

In Brazil, traditional banks such as Itaú, Bradesco, and Santander Brazil are the main incumbents, while fintechs like Inter (INTR) and PicPay compete in digital banking. In Mexico, Nubank faces competition from Mercado Pago and local digital challengers. Globally, Nu is compared to Revolut, Chime, and other neobanks. Nu's key competitive advantage is scale—131 million customers—and its ultra-low cost-to-serve model.