Digital banking platform Nubank (NYSE: NU) reported Q3 CY2025 results topping the market’s revenue expectations, with sales up 91.2% year on year to $4.17 billion. Its GAAP profit of $0.16 per share was in line with analysts’ consensus estimates.
Is now the time to buy Nubank? Find out by accessing our full research report, it’s free for active Edge members.
Nubank (NU) Q3 CY2025 Highlights:
Company Overview
With nearly 94 million customers across Brazil, Mexico, and Colombia through its viral member-get-member referral program, Nubank (NYSE: NU) is a digital banking platform that offers financial services including spending, saving, investing, borrowing, and protection products to millions of customers across Latin America.
Revenue Growth
Examining a company’s long-term performance can provide clues about its quality. Any business can have short-term success, but a top-tier one grows for years. Thankfully, Nubank’s 82.5% annualized revenue growth over the last five years was incredible. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.
Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. Nubank’s annualized revenue growth of 47.6% over the last two years is below its five-year trend, but we still think the results suggest healthy demand. 
Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.
This quarter, Nubank reported magnificent year-on-year revenue growth of 91.2%, and its $4.17 billion of revenue beat Wall Street’s estimates by 43.7%.
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Key Takeaways from Nubank’s Q3 Results
We were impressed by how significantly Nubank blew past analysts’ revenue expectations this quarter. We were also glad its EPS was in line with Wall Street’s estimates. Zooming out, we think this quarter featured some important positives.
Sure, Nubank had a solid quarter, but if we look at the bigger picture, is this stock a buy? When making that decision, it’s important to consider its valuation, business qualities, as well as what has happened in the latest quarter. We cover that in our actionable full research report which you can read here, it’s free for active Edge members.
