Nu Holdings (NU) Achieves Record 2025 Profits and Reaches 131 Million Customers

Nu Holdings Ltd. (NYSE:NU) is one of the most undervalued stocks under $30 to buy. On February 25, Nu Holdings (or Nubank) delivered record-breaking results for 2025, closing the year with 131 million customers and an all-time high quarterly net income of $895 million. The company added 17 million customers throughout the year. Financial performance was supported by a record ROE of 33% and a significant jump in monthly average revenue per active customer/ARPAC, which rose to $15, a 27% increase over the previous year.

The company’s growth is paired with a highly efficient, low-cost operating model, maintaining a cost-to-serve of just $0.80 per active customer. In Brazil, Nu Holdings now serves 62% of the adult population, while in Mexico, it reaches 15% and has become the leading issuer of new credit cards. Asset quality also improved during the final quarter, with the 15-90 day non-performing loan ratio declining to 4.1%, supported by seasonal income boosts in the Brazilian market and disciplined risk management.

For 2026, Nu Holdings Ltd. (NYSE:NU) views the coming year as an inflection point as it transitions from a Latin American leader to a global digital banking platform. Key strategic moves include the recent conditional approval for a US national bank charter and the integration of advanced AI models like ‘nuFormer’ to enhance credit underwriting.

Nu Holdings Ltd. (NYSE:NU) provides a digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the US. It offers spending solutions, mobile payment solutions, and Nu Shopping.

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