---
title: "Nu Holdings Publishes Third-Quarter 2026 Earnings Call Transcript"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/305484611.md"
description: "Nu Holdings reported strong Q3 2026 results, with net income rising 31% to $1.1 billion and revenue up 37% to $6.3 billion on an FX-neutral basis. Management lowered its full-year efficiency ratio forecast to 19%-19.5%. The recurring risk-adjusted net interest margin expanded to 12.7%, and private payroll lending doubled sequentially. CFO Rob Livingston expects underlying strength to persist into Q4 but declined to provide 2027 guidance."
datetime: "2026-11-13T15:34:27.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/305484611.md)
  - [en](https://longbridge.com/en/news/305484611.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/305484611.md)
generator: "portal-rs"
---

# Nu Holdings Publishes Third-Quarter 2026 Earnings Call Transcript

-   Nu Holdings’ third-quarter 2026 earnings call featured CEO David Velez, CFO Rob Livingston and Investor Relations Officer Guilherme Souto. \* Net income rose 31% to $1.1 billion; revenue increased 37% to $6.3 billion, with both growth rates measured FX-neutral. \* Management lowered its full-year efficiency ratio forecast to 19%-19.5% from around 20%, despite an expected fourth-quarter increase. \* Recurring risk-adjusted net interest margin expanded to 12.7% from 11.9%; Livingston expects underlying strength to persist into the fourth quarter. \* Livingston sees no near-term dramatic slowdown in loan growth but declined 2027 guidance; private payroll lending doubled sequentially from a small base. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Nu Holdings Ltd. published the original content used to generate this news brief on November 13, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**