Nu (NU) Q3 Earnings: Taking a look at Key metrics Versus Estimates

For the quarter ended September 2025, Nu Holdings Ltd. (NU - Free Report) reported revenue of $4.17 billion, up 41.8% over the same period last year. EPS came in at $0.17, compared to $0.12 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $4.04 billion, representing a surprise of +3.36%. The company delivered an EPS surprise of +13.33%, with the consensus EPS estimate being $0.15.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Nu performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Active customers: 105.9 million versus 104.45 million estimated by two analysts on average.
• Revenue- Fee and commission income: $595.24 million compared to the $587.06 million average estimate based on two analysts. The reported number represents a change of +26.8% year over year.
• Revenue- Interest income and gains (losses) on financial instruments: $3.58 billion versus $3.45 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +44.6% change.

Shares of Nu have returned +6.6% over the past month versus the Zacks S&P 500 composite's +4.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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