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Nu Holdings Q3 2026 Earnings Presentation — Nu Holdings (Nubank) presents its third-quarter 2026 results dated Nov 12, 2026, covering 143M customers, US$6.3B gross revenue and US$1,092M net income, country updates for Brazil, Mexico, Colombia, the US and Nu Global, and detailed credit, deposit, margin and profitability charts; the deck was filed with the SEC as an exhibit to Form 6-K.
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Nu Holdings Q3 2026 Earnings Presentation — Nu Holdings (Nubank) presents its third-quarter 2026 results dated Nov 12, 2026, covering 143M customers, US$6.3B gross revenue and US$1,092M net income, country updates for Brazil, Mexico, Colombia, the US and Nu Global, and detailed credit, deposit, margin and profitability charts; the deck was filed with the SEC as an exhibit to Form 6-K.
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Title slide for the Nu Holdings (Nubank) Q3'26 Earnings Presentation, dated Nov 12, 2026.
Full-bleed photograph with the title text at lower left and the date beneath it.
Welcome slide introducing Guilherme Souto, Investor Relations Officer, as the opening speaker.
Portrait photo on the left, large purple 'Welcome' heading with name and title on the right.
Introduces David Vélez (Founder, Chief Executive Officer and Chairman) and Rob Livingston (Chief Financial Officer).
Two staggered portrait photos with name and title captions, one lower left and one upper right.
Forward-looking statements and non-IFRS disclaimer in three text columns. It notes that references to 'R$' mean the Brazilian Real and that a Managerial P&L was introduced beginning in Q4 2025, reconciled to IFRS. Small print is dense but mostly legible.
Heading at left, three justified text columns separated by thin vertical rules, section tag at bottom right.
Section divider opening the management remarks part of the presentation.
Square photo of two purple Nu cards on the left, large dark heading on the right.
Five panels over Q3'22 to Q3'26: customers 70M to 143M, ARPAC US$8 to US$18, gross revenue US$1.3B to US$6.3B, efficiency ratio 49% to 19%, net income US$8M to US$1,092M. Equation tiles below cite +72MM net adds in 4 years, 29% FXN ARPAC CAGR, 66% FXN gross revenue CAGR, -30pp efficiency in 4 years and 242% FXN net income CAGR. Amounts are in US dollars and growth is FX-neutral per the footnote.
Row of five chart cards (four bar charts and one line chart) above a row of five colored equation tiles joined by x, =, - and = operators; footnotes at bottom.
Brazil highlights: close to 1M Nubank Croma customers three months after launch (week of Oct 28), 120M customers (65% of adult population), record unsecured personal loan origination of R$22.1bn in Q3 (+28% YoY), NuCoin loyalty program relaunch with 6.7M sign-ups, and #1 financial app in Brazil by monthly active users with 86M. Brazil figures here are in Brazilian reais (R$) where shown.
Country tab at top, large featured card with product imagery at left, four stat cards in a two-by-two grid at right, footnotes at bottom.
Nu is now a bank in Mexico, live since August with a nationwide campaign. Customer base 16.6M (+27% YoY, 17% of adult population), payroll accounts as the primary banking opportunity, deposit insurance coverage up 16x (from about USD12k as a SOFIPO to about USD195k as a bank), and the digital economy law approved by Congress on October 20.
Country tabs (Brazil, Mexico highlighted), large campaign photo card at left, four stat cards at right.
Colombia has 6.1M customers (+62% YoY, 15% of adult population), Q3 credit portfolio growth of +80% YoY FXN, 3.0M credit card holders, #1 in credit card holders, and #4 by deposits with cost of funding at 76% of the benchmark rate.
Three country tabs (Colombia highlighted), large photo card with headline stat at left, four stat cards at right.
Nu US and Nu Global launched on Sep 10. As of October 2026, customers have been onboarded in all 50 US states and in 37 countries for Nu Global.
Five country tabs across the top, world map with core markets and Nu Global markets shaded at left, two big-number cards at right.
Section divider introducing the financial results part of the presentation.
Square photo of a purple and an iridescent Nu card at left, large heading at right.
Total portfolio grew from US$27.3B in Q2'25 to US$41.6B in Q3'26 (+33% YoY FXN): credit card +32%, unsecured +39%, secured +23%. Q3'26 split is 27.2 credit card, 11.0 unsecured and 3.4 secured (US$ BN). Mix in Q3'26: 65% credit card, 27% unsecured, 8% secured.
Left white card with stacked bars of volume and FXN growth labels; right dark card with 100% stacked mix bars across six quarters.
Deposits reached US$47.5B in Q3'26 (+19% YoY FXN): Brazil 38.6, Mexico 5.3, Colombia 3.5. Cost of deposits is 87% of the interbank rate in Q3'26, versus 91% in Q2'25. One small label on the Q2'25 Colombia segment is not legible.
Single wide card with stacked bars by country over a line of cost of deposits as percent of interbank rate.
Net interest income rose from US$2,224M in Q2'25 to US$3,872M in Q3'26 (labelled +7% FXN for the latest quarter), while cost of credit was US$(1,789)M in Q3'26. NIM was 22.5% and risk-adjusted NIM 12.1% in Q3'26 (Q2'26: 22.9% and 12.4%). Amounts in US dollars; growth FX-neutral.
Single wide card combining bars above and below zero for NII and cost of credit with two lines for NIM and risk-adjusted NIM.
Same chart as the previous slide with an added dashed line for recurring risk-adjusted NIM, which excludes one-off events: 11.9% in Q2'26 and 12.7% in Q3'26, against reported 12.4% and 12.1%.
Identical layout to the previous slide with an additional dashed series and legend entry.
Total portfolio 15-90 NPL was 4.9% in Q3'26 and 90+ NPL 7.3%. Over interest-earning portfolio (IEP), 15-90 NPL was 8.0% and 90+ NPL 12.1%. IEP over total portfolio rose from 44% in Q3'23 to 61% in Q3'26.
Two-by-two grid of 13-quarter line charts (two light, two dark) with a thin strip chart for IEP share along the bottom.
NPL 15-90 moved from 4.83% in Q2'26 to 4.86% in Q3'26 (product mix +0 bps, seasonality -9 bps, intentional risk expansions +13 bps, others -3 bps). The ECL allowance moved from US$6,615M to US$7,087M (growth +332, product mix +6, seasonality +14, intentional risk expansions +135, others -15).
Two waterfall charts side by side: light card for NPL bridge in bps, dark card for ECL allowance bridge.
CLA over NPL 15+ formation was 102% in Q3'26 (range of roughly 100% to 121% since Q4'23). Total coverage over NPL 90+ was 234% in Q3'26, versus 244% in Q2'26 and 252% in Q1'26.
Two line-with-area charts, a light card at left and a dark card at right, each with a short descriptor beneath.
Brazil-only credit card NPL 90+ by income band, Jul-25 to Aug-26. Nu stays at 9.1% to 9.2% in Mass Market (S1-S2 ex-Nu 14.7%, S3-S5 13.6% in Aug-26), 7.6% to 7.3% in Super Core, and 6.2% to 5.7% in High Income (Aug-26: S1-S2 4.5%, S3-S5 10.2%).
Three equal chart cards (Mass Market, Super Core, High Income), each with three lines and start and end labels.
Gross revenue was US$6,259M in Q3'26 (+37% YoY FXN), up from US$3,772M in Q2'25. Gross profit was US$2,598M (+35% YoY FXN); Q3'26 mix is 42% credit, 27% fees and 31% float.
Left white card with single-series bars for gross revenue; right dark card with stacked bars showing gross profit mix, each with FXN growth labels.
Net revenues were US$4,386M in Q3'26 against opex of US$(846)M, giving a 19.3% efficiency ratio (Q3'25: 20.3%; Q1'26: 17.6%). A footnote on Q2'25 mentions a US$47M one-off in opex from deferred tax remeasurement.
Single wide card with diverging bars (net revenues up, opex down) and an efficiency ratio line on top.
Net income was US$1,092M in Q3'26 (+31% YoY FXN), against US$783M in Q3'25 and US$1,061M in Q2'26. Annualized ROE was 32% in Q3'26 (Q3'25: 31%, Q2'26: 33%); ROE is described as non-GAAP.
Single wide card with six net income bars and an ROE line above.
Section divider opening the question-and-answer session.
Square photo of two silver Nu business cards at left, large 'Q&A' heading at right.
Section divider introducing the appendix.
Fan of three Nu cards at left (two purple, one silver business card), large heading at right.
Capital position is US$9.9B in Q3'26: capital requirement 4.2, capital excess 2.1 (regulated entities) plus 3.6 of Nu Holdings cash and securities. Loan-to-deposit ratio is 57%, with net credit portfolio of US$24.7B against available funding of US$43.7B.
Left white card with a stepped build chart to a headline total; right dark card with two bars and a large 57% callout.
Monthly ARPAC by cohort rises from US$0.9 at month 1 to US$30.2 at month 96. Monthly ARPAC was US$17.7 in Q3'26 (+21% YoY FXN) and cost to serve US$1.1 (+10% YoY FXN), in US dollars.
Three cards: white cohort bar chart, dark ARPAC bar chart, purple cost-to-serve bar chart.
Text page defining non-IFRS measures including Adjusted Net Income (profit attributable to shareholders adjusted for share-based compensation expenses and tax effects) and explaining why management presents it.
Heading and subtitle, two columns of body text, large blank area below.
Describes the Managerial P&L framework, its operational reclassifications and tax-equivalency adjustments, which are net-income neutral and supplemental to IFRS.
Heading and subtitle, two columns of body text, large blank area below.
Managerial P&L for the three months ended 9/30/2026 vs 9/30/2025: total revenue 6,258.5 vs 4,317.2; gross profit 2,597.6 vs 1,811.2; operating expenses (845.8) vs (577.2); EBT 1,743.4 vs 1,232.8; net income 1,091.6 vs 782.7. Credit income 3,795.1, float income 1,550.4, fee income 913.0 in Q3'26.
Centered table card with a purple header, two period columns and bold subtotal rows.
IFRS accounting P&L for the three months ended 9/30/2026 vs 9/30/2025 (US$ million): total revenue 5,820.4 vs 4,172.7; gross profit 2,436.9 vs 1,814.5; total operating expenses (1,078.3) vs (697.1); profit before income taxes 1,350.3 vs 1,116.3; income taxes (258.7) vs (333.6); net income 1,091.6 vs 782.7.
Centered table card with a purple header, two period columns and bold subtotals.
Reconciles accounting P&L to Managerial P&L in US$ million: total revenue 5,820.4 plus 438.2 of reclassifications and adjustments gives 6,258.5; operating expenses (1,078.3) plus 232.5 gives (845.8); EBT 1,350.3 plus 393.1 gives 1,743.4; income taxes (258.7) less 393.1 gives (651.9). Net income is 1,091.6 in both, with zero net adjustment.
Table card with three numeric columns: Accounting P&L, Reclassifications & Adjustments, Managerial P&L.
Five-quarter table (US$ million): total equity at period end 10,553.5, 11,321.6, 12,591.8, 13,251.7 and 14,344.9 for Q3'25 to Q3'26; net income 782.7, 894.8, 871.4, 1,061.1, 1,091.6; annualized ROE 31%, 33%, 29%, 33%, 32%.
Compact table card with a purple label column and five quarter columns; a large blank area below.
Explains how FX Neutral measures are calculated, using average BRL/USD rates of R$5.4493 (three months to Sep 30, 2025) and R$5.1371 (three months to Sep 30, 2026) and a spot rate of R$5.1746 for deposits and the interest-earning portfolio, sourced from Bloomberg.
Heading and subtitle, two columns of body text, blank area below.
Describes how Nu translates subsidiary figures into US dollars under IAS 21 and lists monthly average and period-end rates for BRL, MXN and COP from January to September 2026. For example, September 30, 2026 average rates were R$5.14, MXN 17.27 and COP 3,188.88 per US$1.00. Individual monthly figures are small and not all verified here.
Heading and subtitle, two columns of dense monthly paragraphs.
Page 1 of 2 of the glossary, from Activity rate to Monthly ARPAC, covering CDI, Customer, ECL Allowance, Efficiency ratio, FX Neutral Measures, IBR, Interest-Earning Portfolio, Loan-to-Deposit Ratio, Monthly Active Customers, Monthly Average Cost to Serve and Monthly ARPAC.
Heading with term count at right, three columns of term definitions with purple term names.
Page 2 of 2 of the glossary, from NII to Write-off, covering NIM, NPL, Nu Pagamentos (Brazil subsidiary), Nu Financiera (Colombia subsidiary), Primary Banking Account, Purchase Volume, Recovery, Risk-adjusted NIM, SMEs, TIIE, Total Portfolio and Write-off.
Heading with term count at right, three columns of term definitions.
Closing slide with the Nu logo and investor relations contacts: www.investors.nu and investors@nubank.com.br.
Dark purple full-bleed background, large cream Nu logo centered, contact lines at bottom.
Các câu hỏi phổ biến về slide này và nội dung trình bày cơ bản.
It covers the third quarter of 2026 (three months ended September 30, 2026) and is dated Nov 12, 2026. Most charts show six quarters from Q2'25 to Q3'26, and the formula slide goes back to Q3'22.
On the slides, Nu reports 143M customers, gross revenue of US$6,259M (+37% YoY FXN), gross profit of US$2,598M, net income of US$1,092M (+31% YoY FXN), a 19.3% efficiency ratio and 32% annualized ROE. Amounts are in US dollars and growth rates are FX-neutral.
Total portfolio reached US$41.6B (+33% YoY FXN). 15-90 NPL was 4.9% and 90+ NPL 7.3%, and the deck argues that rising interest-earning portfolio penetration (61%) drives headline NPLs. NPL 15-90 moved from 4.83% to 4.86% quarter over quarter, and coverage over NPL 90+ was 234%.
The opening remarks cover Nu Brazil (120M customers, Nubank Croma, NuCoin), Nu Mexico (16.6M customers, Nu is now a bank), Nu Colombia (6.1M customers, +62% YoY) and the Sep 10 launches of Nu US and Nu Global (customers in 50 US states and 37 countries as of October 2026).
It was filed with the SEC as an exhibit to Form 6-K by Nu Holdings (Nubank). The closing slide lists www.investors.nu and investors@nubank.com.br for investor relations.
It has 37 slides: welcome and presenters, a disclaimer, Opening Remarks (earnings formula and country updates), Financial Results (portfolio, deposits, NIM, NPLs, ECL, revenue, opex, net income), Q&A, and an Appendix with capital and liquidity, ARPAC cohorts, non-IFRS reconciliations, FX methodology, a glossary and a contact slide.
Slides 29 to 32 hold the Managerial P&L, IFRS income statement, bridge between them and the ROE reconciliation, in US$ million. The slides are rasterized images, so some small footnotes and the monthly FX rate paragraphs are not fully legible at this resolution and should be checked against the original filing.
Mostly yes: charts are labelled US$ and growth rates are FX-neutral. The disclaimer notes that R$ refers to the Brazilian Real, and the Brazil slide shows loan origination in R$ (R$22.1bn).
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