<p>NU（纽约证券交易所代码：NU - 获取免费报告）于周四发布了季度财报。公司报告本季度每股收益为 0.18 美元，低于市场共识预期的 0.20 美元，差距为 0.02 美元，FiscalAI 报道。NU 的净利润率为 18.19%，股本回报率为 30.68%。公司本季度的收入为 53.2 亿美元，而市场共识预期为 50.6 亿美元。</p>
<ul>
<li>美元跌至三年低点：三家出口商悄然印钞</li>
</ul>
<p>以下是 NU 电话会议的主要要点：</p>
<ul>
<li>Nu Holdings 报告 <strong>第一季度创纪录的收入为 50 亿美元</strong> 和 <strong>创纪录的净收入为 8.71 亿美元</strong>，客户增长和 ARPU 扩展持续推动盈利能力。</li>
<li>公司表示其客户基础超过 <strong>1.35 亿</strong>，其中 <strong>1.15 亿在巴西</strong>，<strong>1500 万在墨西哥</strong>，而月度活动保持强劲，达到 <strong>83%</strong>。</li>
<li>信贷指标被描述为受 <strong>季节性、投资组合增长和产品组合</strong> 驱动，而非资产质量恶化，管理层强调拨备保持保守，并与内部预期一致。</li>
<li>效率改善至 <strong>创纪录的 17.6%</strong> 报告比率，得益于结构性收益和时机优势，尽管管理层仍预计 2026 年全年的效率约为 <strong>20%</strong>。</li>
<li>管理层强调在 <strong>墨西哥、巴西的中小企业银行业务和美国</strong> 的重大长期增长机会，同时继续推动其 <strong>人工智能转型</strong>，涵盖产品、承保和运营。</li>
</ul>
<h2>NU 股票上涨 0.7%</h2>
<p>周四午盘交易中，NYSE:NU 的股票上涨 0.10 美元，达到 12.92 美元。该公司共交易了 80,546,757 股股票，而其平均交易量为 36,335,992 股。公司的债务与股本比率为 0.39，流动比率为 0.58，速动比率为 0.58。该股票的 50 日移动平均价格为 14.40 美元，200 日移动平均价格为 15.93 美元。公司的市值为 627.1 亿美元，市盈率为 20.68，市盈增长比率为 0.52，贝塔值为 1.01。NU 的 12 个月低点为 11.71 美元，12 个月高点为 18.98 美元。</p>
<h2>华尔街分析师预测增长</h2>
<ul>
<li>伯克希尔、博通和纽柯正在加速回购</li>
</ul>
<p>几位股票研究分析师对该股票发表了看法。Itau BBA 证券在 3 月 17 日的研究报告中重申了对 NU 股票的 “跑赢大盘” 评级。Weiss Ratings 在周三的研究报告中将 NU 的评级从 “买入（b-）” 下调至 “持有（c+）”。Susquehanna 在 1 月 27 日的研究报告中将 NU 的目标价从 19.00 美元上调至 22.00 美元，并给予该股票 “积极” 的评级。美国银行在 3 月 9 日的研究报告中重新发布了对 NU 的 “中性” 评级。最后，中金公司在 4 月 14 日的研究报告中开始覆盖 NU 股票，设定了 “跑赢大盘” 评级和 18.00 美元的目标价。共有 11 位投资分析师对该股票给予了买入评级，3 位分析师给予了持有评级。根据 MarketBeat 的数据，该公司目前的平均评级为 “适度买入”，平均目标价为 18.46 美元。</p>
<p><strong>查看我们关于 NU 的最新研究报告</strong></p>
<h2>NU 的内部活动</h2>
<ul>
<li>3 只利用南美势头的新兴市场股票</li>
</ul>
<p>在相关消息中，首席执行官 Cristina Helena Zing Junqueira 于 3 月 23 日以 300,000 股的价格出售了公司股票。股票以平均价格 14.81 美元出售，总交易额为 4,443,000.00 美元。交易后，首席执行官直接持有公司 2,312,338 股，价值约为 34,245,725.78 美元。此次交易使其持股减少了 11.48%。该交易已在向证券交易委员会提交的文件中披露，您可以通过此链接访问。1.20% 的股票目前由内部人士持有。</p>
<h2>机构资金流入和流出</h2>
<p>几家对冲基金和其他机构投资者最近增加或减少了对该公司的持股。Parallel Advisors LLC 在第四季度将其在 NU 的持股增加了 3.7%。Parallel Advisors LLC 目前持有 16,820 股公司股票，价值 282,000 美元，此前在上个季度购买了 601 股。Aptus Capital Advisors LLC 在第四季度将其在 NU 的持股增加了 3.4%。Aptus Capital Advisors LLC 目前持有 19,008 股公司股票，价值 318,000 美元，此前在上个季度购买了 624 股。Polymer Capital Management US LLC 在第四季度将其在 NU 的持股增加了 5.7%。Polymer Capital Management US LLC 目前持有 16,892 股公司股票，价值 283,000 美元，此前在上个季度购买了 904 股。United Capital Financial Advisors LLC 在第三季度将其在 NU 的持股增加了 7.3%。United Capital Financial Advisors LLC 目前持有 13,629 股公司股票，价值 218,000 美元，此前在上个季度购买了 929 股。最后，Williams Jones Wealth Management LLC 在第四季度将其在 NU 的持股增加了 2.0%。Williams Jones Wealth Management LLC 目前持有 50,755 股公司股票，价值 850,000 美元，此前在上个季度购买了 1,005 股。84.02% 的股票目前由对冲基金和其他机构投资者持有。</p>
<h2>关于 NU</h2>
<p>（获取免费报告）</p>
<p>Nu Holdings Ltd NYSE: NU，通常以其消费品牌 Nubank 为人所知，是一家拉丁美洲金融科技公司，通过移动优先平台提供数字银行和金融服务。公司的核心产品包括无手续费的数字支票账户、信用卡、个人贷款、支付和转账，以及一系列储蓄和投资产品。Nubank 强调通过其智能手机应用程序提供简化的客户体验，并结合数据驱动的承保和自动化客户服务工具。</p>
<p>Nu 成立于 2013 年，由 David Vélez、Cristina Junqueira 和 Edward Wible 创办，迅速发展，目标是为拉丁美洲的低银行服务和数字化消费者提供低费用、透明的产品。</p>
<h2>了解更多</h2>
<ul>
<li>五只我们更看好的股票，胜过 NU</li>
<li>YETI 在财报超预期和上调前景后反弹</li>
<li>三家领先的量子公司在第一季度财报后的对比</li>
<li>思科的垂直反弹可能仍处于早期阶段</li>
<li>亚马逊与阿里巴巴：现在显然更具价值的选择</li>
</ul>
<p><img src="https://imageproxy.pbkrs.com/https://www.marketbeat.com/scripts/EarningsChart.ashx/query-UHJlZml4PU5ZU0UmU3ltYm9sPU5V?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="650" height="325" original-src="https://imageproxy.pbkrs.com/https://www.marketbeat.com/scripts/EarningsChart.ashx/query-UHJlZml4PU5ZU0UmU3ltYm9sPU5V"/></p>
<p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送至 contact@marketbeat.com.</em></p>
<h2>你现在应该投资$1,000 在 NU 吗？</h2>
<p>在考虑 NU 之前，你需要听听这个。</p>
<p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师悄悄建议客户现在购买的股票，以便在更广泛的市场注意到之前……而 NU 并不在名单上。</p>
<p>虽然 NU 目前在分析师中获得了中等买入评级，但顶级分析师认为这五只股票更值得购买。</p>
<p>在这里查看这五只股票</p>

<p>NU（纽约证券交易所代码：NU）报告的季度每股收益为 0.18 美元，低于预期的 0.20 美元。该公司实现收入 53.2 亿美元，超过了 50.6 亿美元的预测。NU 的股本回报率为 30.68%，净利润率为 18.19%，其股票上涨 0.7%，至 12.92 美元。分析师维持 “适度买入” 评级，目标价格平均为 18.46 美元。首席执行官 Cristina Helena Zing Junqueira 出售了 300,000 股，减少了 11.48% 的持股比例</p>

<p>NU (NYSE:NU - Get Free Report) posted its quarterly earnings results on Thursday. The company reported $0.18 earnings per share for the quarter, missing the consensus estimate of $0.20 by ($0.02), FiscalAI reports. NU had a net margin of 18.19% and a return on equity of 30.68%. The company had revenue of $5.32 billion during the quarter, compared to the consensus estimate of $5.06 billion.</p>
<div class="lb-trans"><p>NU（纽约证券交易所代码：NU - 获取免费报告）于周四发布了季度财报。公司报告本季度每股收益为 0.18 美元，低于市场共识预期的 0.20 美元，差距为 0.02 美元，FiscalAI 报道。NU 的净利润率为 18.19%，股本回报率为 30.68%。公司本季度的收入为 53.2 亿美元，而市场共识预期为 50.6 亿美元。</p>
</div><ul>
<li>Dollar at a 3-Year Low: 3 Exporters Quietly Printing Money</li>
</ul>
<div class="lb-trans"><ul>
<li>美元跌至三年低点：三家出口商悄然印钞</li>
</ul>
</div><p>Here are the key takeaways from NU's conference call:</p>
<div class="lb-trans"><p>以下是 NU 电话会议的主要要点：</p>
</div><ul>
<li>Nu Holdings reported <strong>record first-quarter revenue of $5 billion</strong> and <strong>record net income of $871 million</strong>, with customer growth and ARPAC expansion continuing to drive earnings power.</li>
<li>The company said its customer base surpassed <strong>135 million</strong>, including <strong>115 million in Brazil</strong> and <strong>15 million in Mexico</strong>, while monthly activity remained strong at <strong>83%</strong>.</li>
<li>Credit metrics were described as being driven by <strong>seasonality, portfolio growth, and product mix</strong> rather than asset-quality deterioration, with management emphasizing that provisioning remained conservative and aligned with internal expectations.</li>
<li>Efficiency improved to a <strong>record low 17.6%</strong> reported ratio, aided by both structural gains and timing benefits, though management still expects full-year 2026 efficiency to be around <strong>20%</strong>.</li>
<li>Management highlighted major long-term growth opportunities in <strong>Mexico, SME banking in Brazil, and the U.S.</strong>, while continuing to push its <strong>AI transformation</strong> across products, underwriting, and operations.</li>
</ul>
<div class="lb-trans"><ul>
<li>Nu Holdings 报告 <strong>第一季度创纪录的收入为 50 亿美元</strong> 和 <strong>创纪录的净收入为 8.71 亿美元</strong>，客户增长和 ARPU 扩展持续推动盈利能力。</li>
<li>公司表示其客户基础超过 <strong>1.35 亿</strong>，其中 <strong>1.15 亿在巴西</strong>，<strong>1500 万在墨西哥</strong>，而月度活动保持强劲，达到 <strong>83%</strong>。</li>
<li>信贷指标被描述为受 <strong>季节性、投资组合增长和产品组合</strong> 驱动，而非资产质量恶化，管理层强调拨备保持保守，并与内部预期一致。</li>
<li>效率改善至 <strong>创纪录的 17.6%</strong> 报告比率，得益于结构性收益和时机优势，尽管管理层仍预计 2026 年全年的效率约为 <strong>20%</strong>。</li>
<li>管理层强调在 <strong>墨西哥、巴西的中小企业银行业务和美国</strong> 的重大长期增长机会，同时继续推动其 <strong>人工智能转型</strong>，涵盖产品、承保和运营。</li>
</ul>
</div><h2>NU Stock Up 0.7%</h2>
<div class="lb-trans"><h2>NU 股票上涨 0.7%</h2>
</div><p>Shares of NYSE:NU traded up $0.10 during midday trading on Thursday, hitting $12.92. 80,546,757 shares of the company's stock were exchanged, compared to its average volume of 36,335,992. The company has a debt-to-equity ratio of 0.39, a current ratio of 0.58 and a quick ratio of 0.58. The stock has a 50 day moving average price of $14.40 and a 200-day moving average price of $15.93. The company has a market cap of $62.71 billion, a PE ratio of 20.68, a price-to-earnings-growth ratio of 0.52 and a beta of 1.01. NU has a 12 month low of $11.71 and a 12 month high of $18.98.</p>
<div class="lb-trans"><p>周四午盘交易中，NYSE:NU 的股票上涨 0.10 美元，达到 12.92 美元。该公司共交易了 80,546,757 股股票，而其平均交易量为 36,335,992 股。公司的债务与股本比率为 0.39，流动比率为 0.58，速动比率为 0.58。该股票的 50 日移动平均价格为 14.40 美元，200 日移动平均价格为 15.93 美元。公司的市值为 627.1 亿美元，市盈率为 20.68，市盈增长比率为 0.52，贝塔值为 1.01。NU 的 12 个月低点为 11.71 美元，12 个月高点为 18.98 美元。</p>
</div><h2>Wall Street Analysts Forecast Growth</h2>
<div class="lb-trans"><h2>华尔街分析师预测增长</h2>
</div><ul>
<li>Berkshire, Broadcom &amp; Nucor Are Revving Their Buyback Engines</li>
</ul>
<div class="lb-trans"><ul>
<li>伯克希尔、博通和纽柯正在加速回购</li>
</ul>
</div><p>Several equities research analysts have weighed in on the stock. Itau BBA Securities reaffirmed an &#34;outperform&#34; rating on shares of NU in a research note on Tuesday, March 17th. Weiss Ratings downgraded shares of NU from a &#34;buy (b-)&#34; rating to a &#34;hold (c+)&#34; rating in a research report on Wednesday. Susquehanna boosted their target price on shares of NU from $19.00 to $22.00 and gave the stock a &#34;positive&#34; rating in a research report on Tuesday, January 27th. Bank of America reissued a &#34;neutral&#34; rating on shares of NU in a research report on Monday, March 9th. Finally, CICC Research assumed coverage on shares of NU in a research report on Tuesday, April 14th. They set an &#34;outperform&#34; rating and a $18.00 target price for the company. Eleven investment analysts have rated the stock with a Buy rating and three have issued a Hold rating to the stock. Based on data from MarketBeat, the company presently has an average rating of &#34;Moderate Buy&#34; and an average price target of $18.46.</p>
<div class="lb-trans"><p>几位股票研究分析师对该股票发表了看法。Itau BBA 证券在 3 月 17 日的研究报告中重申了对 NU 股票的 “跑赢大盘” 评级。Weiss Ratings 在周三的研究报告中将 NU 的评级从 “买入（b-）” 下调至 “持有（c+）”。Susquehanna 在 1 月 27 日的研究报告中将 NU 的目标价从 19.00 美元上调至 22.00 美元，并给予该股票 “积极” 的评级。美国银行在 3 月 9 日的研究报告中重新发布了对 NU 的 “中性” 评级。最后，中金公司在 4 月 14 日的研究报告中开始覆盖 NU 股票，设定了 “跑赢大盘” 评级和 18.00 美元的目标价。共有 11 位投资分析师对该股票给予了买入评级，3 位分析师给予了持有评级。根据 MarketBeat 的数据，该公司目前的平均评级为 “适度买入”，平均目标价为 18.46 美元。</p>
</div><p><strong>View Our Latest Research Report on NU</strong></p>
<div class="lb-trans"><p><strong>查看我们关于 NU 的最新研究报告</strong></p>
</div><h2>Insider Activity at NU</h2>
<div class="lb-trans"><h2>NU 的内部活动</h2>
</div><ul>
<li>3 Emerging Market Stocks Leveraging South America’s Momentum</li>
</ul>
<div class="lb-trans"><ul>
<li>3 只利用南美势头的新兴市场股票</li>
</ul>
</div><p>In related news, CEO Cristina Helena Zing Junqueira sold 300,000 shares of the business's stock in a transaction dated Monday, March 23rd. The shares were sold at an average price of $14.81, for a total transaction of $4,443,000.00. Following the transaction, the chief executive officer directly owned 2,312,338 shares in the company, valued at approximately $34,245,725.78. The trade was a 11.48% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities &amp; Exchange Commission, which can be accessed through this link. 1.20% of the stock is currently owned by insiders.</p>
<div class="lb-trans"><p>在相关消息中，首席执行官 Cristina Helena Zing Junqueira 于 3 月 23 日以 300,000 股的价格出售了公司股票。股票以平均价格 14.81 美元出售，总交易额为 4,443,000.00 美元。交易后，首席执行官直接持有公司 2,312,338 股，价值约为 34,245,725.78 美元。此次交易使其持股减少了 11.48%。该交易已在向证券交易委员会提交的文件中披露，您可以通过此链接访问。1.20% 的股票目前由内部人士持有。</p>
</div><h2>Institutional Inflows and Outflows</h2>
<div class="lb-trans"><h2>机构资金流入和流出</h2>
</div><p>Several hedge funds and other institutional investors have recently added to or reduced their stakes in the company. Parallel Advisors LLC boosted its holdings in NU by 3.7% during the fourth quarter. Parallel Advisors LLC now owns 16,820 shares of the company's stock worth $282,000 after purchasing an additional 601 shares during the last quarter. Aptus Capital Advisors LLC boosted its holdings in NU by 3.4% during the fourth quarter. Aptus Capital Advisors LLC now owns 19,008 shares of the company's stock worth $318,000 after purchasing an additional 624 shares during the last quarter. Polymer Capital Management US LLC boosted its holdings in NU by 5.7% during the fourth quarter. Polymer Capital Management US LLC now owns 16,892 shares of the company's stock worth $283,000 after purchasing an additional 904 shares during the last quarter. United Capital Financial Advisors LLC boosted its holdings in NU by 7.3% during the third quarter. United Capital Financial Advisors LLC now owns 13,629 shares of the company's stock worth $218,000 after purchasing an additional 929 shares during the last quarter. Finally, Williams Jones Wealth Management LLC. boosted its holdings in NU by 2.0% during the fourth quarter. Williams Jones Wealth Management LLC. now owns 50,755 shares of the company's stock worth $850,000 after purchasing an additional 1,005 shares during the last quarter. 84.02% of the stock is currently owned by hedge funds and other institutional investors.</p>
<div class="lb-trans"><p>几家对冲基金和其他机构投资者最近增加或减少了对该公司的持股。Parallel Advisors LLC 在第四季度将其在 NU 的持股增加了 3.7%。Parallel Advisors LLC 目前持有 16,820 股公司股票，价值 282,000 美元，此前在上个季度购买了 601 股。Aptus Capital Advisors LLC 在第四季度将其在 NU 的持股增加了 3.4%。Aptus Capital Advisors LLC 目前持有 19,008 股公司股票，价值 318,000 美元，此前在上个季度购买了 624 股。Polymer Capital Management US LLC 在第四季度将其在 NU 的持股增加了 5.7%。Polymer Capital Management US LLC 目前持有 16,892 股公司股票，价值 283,000 美元，此前在上个季度购买了 904 股。United Capital Financial Advisors LLC 在第三季度将其在 NU 的持股增加了 7.3%。United Capital Financial Advisors LLC 目前持有 13,629 股公司股票，价值 218,000 美元，此前在上个季度购买了 929 股。最后，Williams Jones Wealth Management LLC 在第四季度将其在 NU 的持股增加了 2.0%。Williams Jones Wealth Management LLC 目前持有 50,755 股公司股票，价值 850,000 美元，此前在上个季度购买了 1,005 股。84.02% 的股票目前由对冲基金和其他机构投资者持有。</p>
</div><h2>About NU</h2>
<div class="lb-trans"><h2>关于 NU</h2>
</div><p>(Get Free Report)</p>
<div class="lb-trans"><p>（获取免费报告）</p>
</div><p>Nu Holdings Ltd NYSE: NU, commonly known by its consumer brand Nubank, is a Latin American financial technology company that provides digital banking and financial services through a mobile-first platform. The company’s core offerings include no-fee digital checking accounts, credit cards, personal loans, payments and transfers, and a range of savings and investment products. Nubank emphasizes a streamlined customer experience delivered via its smartphone app, combined with data-driven underwriting and automated customer service tools.</p>
<div class="lb-trans"><p>Nu Holdings Ltd NYSE: NU，通常以其消费品牌 Nubank 为人所知，是一家拉丁美洲金融科技公司，通过移动优先平台提供数字银行和金融服务。公司的核心产品包括无手续费的数字支票账户、信用卡、个人贷款、支付和转账，以及一系列储蓄和投资产品。Nubank 强调通过其智能手机应用程序提供简化的客户体验，并结合数据驱动的承保和自动化客户服务工具。</p>
</div><p>Founded in 2013 by David Vélez, Cristina Junqueira and Edward Wible, Nu grew rapidly by targeting underbanked and digitally savvy consumers in Latin America with low-fee, transparent products.</p>
<div class="lb-trans"><p>Nu 成立于 2013 年，由 David Vélez、Cristina Junqueira 和 Edward Wible 创办，迅速发展，目标是为拉丁美洲的低银行服务和数字化消费者提供低费用、透明的产品。</p>
</div><h2>Read More</h2>
<div class="lb-trans"><h2>了解更多</h2>
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<div class="lb-trans"><ul>
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</div><p><img src="https://imageproxy.pbkrs.com/https://www.marketbeat.com/scripts/EarningsChart.ashx/query-UHJlZml4PU5ZU0UmU3ltYm9sPU5V" alt="" original-src="https://www.marketbeat.com/scripts/EarningsChart.ashx?Prefix=NYSE&amp;Symbol=NU"/></p>
<p><em>This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.</em></p>
<div class="lb-trans"><p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送至 contact@marketbeat.com.</em></p>
</div><h2>Should You Invest $1,000 in NU Right Now?</h2>
<div class="lb-trans"><h2>你现在应该投资$1,000 在 NU 吗？</h2>
</div><p>Before you consider NU, you'll want to hear this.</p>
<div class="lb-trans"><p>在考虑 NU 之前，你需要听听这个。</p>
</div><p>MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and NU wasn't on the list.</p>
<div class="lb-trans"><p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师悄悄建议客户现在购买的股票，以便在更广泛的市场注意到之前……而 NU 并不在名单上。</p>
</div><p>While NU currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys.</p>
<div class="lb-trans"><p>虽然 NU 目前在分析师中获得了中等买入评级，但顶级分析师认为这五只股票更值得购买。</p>
</div><p>View The Five Stocks Here</p>
<div class="lb-trans"><p>在这里查看这五只股票</p>
</div>

NU Holdings（纽约证券交易所代码：NU）公布季度财报结果