Nu Holdings (NU) stock climbed after the fintech reported record Q4 revenue that exceeded Wall Street estimates, but declined as investors digested the financial results.
Shares were +0.36% to $16.71 post-market on Wednesday after the results announcement, but fell 2.22% to $16.28 later on.
Fourth-quarter revenue came at $4.86B, up 45% from the prior year and surpassing the consensus estimate of $4.55B.
“Strong engagement and higher monetization drove record quarterly revenues of $4.9 billion. This performance, combined with operating leverage and disciplined risk management, resulted in an all-time high net income of $895 million and an ROE of 33%,” said Nubank CEO David Vélez.
“As we enter 2026, we remain fully focused on winning in Latin America, while building the capabilities that will allow Nubank to evolve into a global digital banking platform over time,” added Vélez.
The São Paulo-based digital banking platform said it added 4M customers during the quarter, reaching a total of 131M globally in 2025. The figure represents a 15% year-over-year increase.
The company said it views 2026 as an inflection year, focusing on its core markets while building capabilities to evolve into a global digital banking platform.
The earnings conference call is scheduled for today at 5:00 PM ET.