Nu (NU) Q3 earnings: Taking a look at key metrics versus estimates

Nu Holdings Ltd. (NU Quick QuoteNU - Free Report) reported $5.82 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 39.5%. EPS of $0.22 for the same period compares to $0.17 a year ago.

The reported revenue represents a surprise of +2.11% over the Zacks Consensus Estimate of $5.7 billion. With the consensus EPS estimate being $0.22, the company has not delivered EPS surprise.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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: 142.6 million versus 127.36 million estimated by three analysts on average.
• Revenue- Fee and commission income: $817.05 million compared to the $761.42 million average estimate based on three analysts. The reported number represents a change of +37.3% year over year.
• Revenue- Interest income and gains (losses) on financial instruments: $5 billion versus the three-analyst average estimate of $5.17 billion. The reported number represents a year-over-year change of +39.9%.