Overview

• Second-quarter revenue rose 29% year over year to $3.7 billion, up 208% from the same period three years ago.
• Net income increased 31% year over year in Q2 as margins continued to improve, with shares up 55% year to date through Sept. 18.
• Nu serves 123 million customers, including 107 million in Brazil, as cross-selling lifted average monthly revenue per active user to $12 in Q2 2025 from $4 in Q2 2021.
• For 2024, the company reported $11.5 billion in revenue, $2.0 billion in net profit, and a 28% return on equity.
• The loan book reached $21 billion in 2024, and 90-plus-day delinquencies improved to 6.6% in Q2 2025 from a 7.2% peak in Q3 2024.