<p>NU（紐約證券交易所代碼：NU - 獲取免費報告）於週四發佈了季度財報。公司報告本季度每股收益為 0.18 美元，低於市場共識預期的 0.20 美元，差距為 0.02 美元，FiscalAI 報道。NU 的淨利潤率為 18.19%，股本回報率為 30.68%。公司本季度的收入為 53.2 億美元，而市場共識預期為 50.6 億美元。</p>
<ul>
<li>美元跌至三年低點：三家出口商悄然印鈔</li>
</ul>
<p>以下是 NU 電話會議的主要要點：</p>
<ul>
<li>Nu Holdings 報告 <strong>第一季度創紀錄的收入為 50 億美元</strong> 和 <strong>創紀錄的淨收入為 8.71 億美元</strong>，客户增長和 ARPU 擴展持續推動盈利能力。</li>
<li>公司表示其客户基礎超過 <strong>1.35 億</strong>，其中 <strong>1.15 億在巴西</strong>，<strong>1500 萬在墨西哥</strong>，而月度活動保持強勁，達到 <strong>83%</strong>。</li>
<li>信貸指標被描述為受 <strong>季節性、投資組合增長和產品組合</strong> 驅動，而非資產質量惡化，管理層強調撥備保持保守，並與內部預期一致。</li>
<li>效率改善至 <strong>創紀錄的 17.6%</strong> 報告比率，得益於結構性收益和時機優勢，儘管管理層仍預計 2026 年全年的效率約為 <strong>20%</strong>。</li>
<li>管理層強調在 <strong>墨西哥、巴西的中小企業銀行業務和美國</strong> 的重大長期增長機會，同時繼續推動其 <strong>人工智能轉型</strong>，涵蓋產品、承保和運營。</li>
</ul>
<h2>NU 股票上漲 0.7%</h2>
<p>週四午盤交易中，NYSE:NU 的股票上漲 0.10 美元，達到 12.92 美元。該公司共交易了 80,546,757 股股票，而其平均交易量為 36,335,992 股。公司的債務與股本比率為 0.39，流動比率為 0.58，速動比率為 0.58。該股票的 50 日移動平均價格為 14.40 美元，200 日移動平均價格為 15.93 美元。公司的市值為 627.1 億美元，市盈率為 20.68，市盈增長比率為 0.52，貝塔值為 1.01。NU 的 12 個月低點為 11.71 美元，12 個月高點為 18.98 美元。</p>
<h2>華爾街分析師預測增長</h2>
<ul>
<li>伯克希爾、博通和紐柯正在加速回購</li>
</ul>
<p>幾位股票研究分析師對該股票發表了看法。Itau BBA 證券在 3 月 17 日的研究報告中重申了對 NU 股票的 “跑贏大盤” 評級。Weiss Ratings 在週三的研究報告中將 NU 的評級從 “買入（b-）” 下調至 “持有（c+）”。Susquehanna 在 1 月 27 日的研究報告中將 NU 的目標價從 19.00 美元上調至 22.00 美元，並給予該股票 “積極” 的評級。美國銀行在 3 月 9 日的研究報告中重新發布了對 NU 的 “中性” 評級。最後，中金公司在 4 月 14 日的研究報告中開始覆蓋 NU 股票，設定了 “跑贏大盤” 評級和 18.00 美元的目標價。共有 11 位投資分析師對該股票給予了買入評級，3 位分析師給予了持有評級。根據 MarketBeat 的數據，該公司目前的平均評級為 “適度買入”，平均目標價為 18.46 美元。</p>
<p><strong>查看我們關於 NU 的最新研究報告</strong></p>
<h2>NU 的內部活動</h2>
<ul>
<li>3 只利用南美勢頭的新興市場股票</li>
</ul>
<p>在相關消息中，首席執行官 Cristina Helena Zing Junqueira 於 3 月 23 日以 300,000 股的價格出售了公司股票。股票以平均價格 14.81 美元出售，總交易額為 4,443,000.00 美元。交易後，首席執行官直接持有公司 2,312,338 股，價值約為 34,245,725.78 美元。此次交易使其持股減少了 11.48%。該交易已在向證券交易委員會提交的文件中披露，您可以通過此鏈接訪問。1.20% 的股票目前由內部人士持有。</p>
<h2>機構資金流入和流出</h2>
<p>幾家對沖基金和其他機構投資者最近增加或減少了對該公司的持股。Parallel Advisors LLC 在第四季度將其在 NU 的持股增加了 3.7%。Parallel Advisors LLC 目前持有 16,820 股公司股票，價值 282,000 美元，此前在上個季度購買了 601 股。Aptus Capital Advisors LLC 在第四季度將其在 NU 的持股增加了 3.4%。Aptus Capital Advisors LLC 目前持有 19,008 股公司股票，價值 318,000 美元，此前在上個季度購買了 624 股。Polymer Capital Management US LLC 在第四季度將其在 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，價值 283,000 美元，此前在上個季度購買了 904 股。United Capital Financial Advisors LLC 在第三季度將其在 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，價值 218,000 美元，此前在上個季度購買了 929 股。最後，Williams Jones Wealth Management LLC 在第四季度將其在 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，價值 850,000 美元，此前在上個季度購買了 1,005 股。84.02% 的股票目前由對沖基金和其他機構投資者持有。</p>
<h2>關於 NU</h2>
<p>（獲取免費報告）</p>
<p>Nu Holdings Ltd NYSE: NU，通常以其消費品牌 Nubank 為人所知，是一家拉丁美洲金融科技公司，通過移動優先平台提供數字銀行和金融服務。公司的核心產品包括無手續費的數字支票賬户、信用卡、個人貸款、支付和轉賬，以及一系列儲蓄和投資產品。Nubank 強調通過其智能手機應用程序提供簡化的客户體驗，並結合數據驅動的承保和自動化客户服務工具。</p>
<p>Nu 成立於 2013 年，由 David Vélez、Cristina Junqueira 和 Edward Wible 創辦，迅速發展，目標是為拉丁美洲的低銀行服務和數字化消費者提供低費用、透明的產品。</p>
<h2>瞭解更多</h2>
<ul>
<li>五隻我們更看好的股票，勝過 NU</li>
<li>YETI 在財報超預期和上調前景後反彈</li>
<li>三家領先的量子公司在第一季度財報後的對比</li>
<li>思科的垂直反彈可能仍處於早期階段</li>
<li>亞馬遜與阿里巴巴：現在顯然更具價值的選擇</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>此即時新聞提醒由敍事科學技術和 MarketBeat 的金融數據生成，以便為讀者提供最快的報道和公正的覆蓋。如對本故事有任何問題或意見，請發送至 contact@marketbeat.com.</em></p>
<h2>你現在應該投資$1,000 在 NU 嗎？</h2>
<p>在考慮 NU 之前，你需要聽聽這個。</p>
<p>MarketBeat 每天跟蹤華爾街頂級評級和表現最佳的研究分析師及其推薦給客户的股票。MarketBeat 已識別出五隻頂級分析師悄悄建議客户現在購買的股票，以便在更廣泛的市場注意到之前……而 NU 並不在名單上。</p>
<p>雖然 NU 目前在分析師中獲得了中等買入評級，但頂級分析師認為這五隻股票更值得購買。</p>
<p>在這裏查看這五隻股票</p>

<p>NU（紐約證券交易所代碼：NU）報告的季度每股收益為 0.18 美元，低於預期的 0.20 美元。該公司實現收入 53.2 億美元，超過了 50.6 億美元的預測。NU 的股本回報率為 30.68%，淨利潤率為 18.19%，其股票上漲 0.7%，至 12.92 美元。分析師維持 “適度買入” 評級，目標價格平均為 18.46 美元。首席執行官 Cristina Helena Zing Junqueira 出售了 300,000 股，減少了 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（紐約證券交易所代碼：NU - 獲取免費報告）於週四發佈了季度財報。公司報告本季度每股收益為 0.18 美元，低於市場共識預期的 0.20 美元，差距為 0.02 美元，FiscalAI 報道。NU 的淨利潤率為 18.19%，股本回報率為 30.68%。公司本季度的收入為 53.2 億美元，而市場共識預期為 50.6 億美元。</p>
</div><ul>
<li>Dollar at a 3-Year Low: 3 Exporters Quietly Printing Money</li>
</ul>
<div class="lb-trans"><ul>
<li>美元跌至三年低點：三家出口商悄然印鈔</li>
</ul>
</div><p>Here are the key takeaways from NU's conference call:</p>
<div class="lb-trans"><p>以下是 NU 電話會議的主要要點：</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 報告 <strong>第一季度創紀錄的收入為 50 億美元</strong> 和 <strong>創紀錄的淨收入為 8.71 億美元</strong>，客户增長和 ARPU 擴展持續推動盈利能力。</li>
<li>公司表示其客户基礎超過 <strong>1.35 億</strong>，其中 <strong>1.15 億在巴西</strong>，<strong>1500 萬在墨西哥</strong>，而月度活動保持強勁，達到 <strong>83%</strong>。</li>
<li>信貸指標被描述為受 <strong>季節性、投資組合增長和產品組合</strong> 驅動，而非資產質量惡化，管理層強調撥備保持保守，並與內部預期一致。</li>
<li>效率改善至 <strong>創紀錄的 17.6%</strong> 報告比率，得益於結構性收益和時機優勢，儘管管理層仍預計 2026 年全年的效率約為 <strong>20%</strong>。</li>
<li>管理層強調在 <strong>墨西哥、巴西的中小企業銀行業務和美國</strong> 的重大長期增長機會，同時繼續推動其 <strong>人工智能轉型</strong>，涵蓋產品、承保和運營。</li>
</ul>
</div><h2>NU Stock Up 0.7%</h2>
<div class="lb-trans"><h2>NU 股票上漲 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>週四午盤交易中，NYSE:NU 的股票上漲 0.10 美元，達到 12.92 美元。該公司共交易了 80,546,757 股股票，而其平均交易量為 36,335,992 股。公司的債務與股本比率為 0.39，流動比率為 0.58，速動比率為 0.58。該股票的 50 日移動平均價格為 14.40 美元，200 日移動平均價格為 15.93 美元。公司的市值為 627.1 億美元，市盈率為 20.68，市盈增長比率為 0.52，貝塔值為 1.01。NU 的 12 個月低點為 11.71 美元，12 個月高點為 18.98 美元。</p>
</div><h2>Wall Street Analysts Forecast Growth</h2>
<div class="lb-trans"><h2>華爾街分析師預測增長</h2>
</div><ul>
<li>Berkshire, Broadcom &amp; Nucor Are Revving Their Buyback Engines</li>
</ul>
<div class="lb-trans"><ul>
<li>伯克希爾、博通和紐柯正在加速回購</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>幾位股票研究分析師對該股票發表了看法。Itau BBA 證券在 3 月 17 日的研究報告中重申了對 NU 股票的 “跑贏大盤” 評級。Weiss Ratings 在週三的研究報告中將 NU 的評級從 “買入（b-）” 下調至 “持有（c+）”。Susquehanna 在 1 月 27 日的研究報告中將 NU 的目標價從 19.00 美元上調至 22.00 美元，並給予該股票 “積極” 的評級。美國銀行在 3 月 9 日的研究報告中重新發布了對 NU 的 “中性” 評級。最後，中金公司在 4 月 14 日的研究報告中開始覆蓋 NU 股票，設定了 “跑贏大盤” 評級和 18.00 美元的目標價。共有 11 位投資分析師對該股票給予了買入評級，3 位分析師給予了持有評級。根據 MarketBeat 的數據，該公司目前的平均評級為 “適度買入”，平均目標價為 18.46 美元。</p>
</div><p><strong>View Our Latest Research Report on NU</strong></p>
<div class="lb-trans"><p><strong>查看我們關於 NU 的最新研究報告</strong></p>
</div><h2>Insider Activity at NU</h2>
<div class="lb-trans"><h2>NU 的內部活動</h2>
</div><ul>
<li>3 Emerging Market Stocks Leveraging South America’s Momentum</li>
</ul>
<div class="lb-trans"><ul>
<li>3 只利用南美勢頭的新興市場股票</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>在相關消息中，首席執行官 Cristina Helena Zing Junqueira 於 3 月 23 日以 300,000 股的價格出售了公司股票。股票以平均價格 14.81 美元出售，總交易額為 4,443,000.00 美元。交易後，首席執行官直接持有公司 2,312,338 股，價值約為 34,245,725.78 美元。此次交易使其持股減少了 11.48%。該交易已在向證券交易委員會提交的文件中披露，您可以通過此鏈接訪問。1.20% 的股票目前由內部人士持有。</p>
</div><h2>Institutional Inflows and Outflows</h2>
<div class="lb-trans"><h2>機構資金流入和流出</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>幾家對沖基金和其他機構投資者最近增加或減少了對該公司的持股。Parallel Advisors LLC 在第四季度將其在 NU 的持股增加了 3.7%。Parallel Advisors LLC 目前持有 16,820 股公司股票，價值 282,000 美元，此前在上個季度購買了 601 股。Aptus Capital Advisors LLC 在第四季度將其在 NU 的持股增加了 3.4%。Aptus Capital Advisors LLC 目前持有 19,008 股公司股票，價值 318,000 美元，此前在上個季度購買了 624 股。Polymer Capital Management US LLC 在第四季度將其在 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，價值 283,000 美元，此前在上個季度購買了 904 股。United Capital Financial Advisors LLC 在第三季度將其在 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，價值 218,000 美元，此前在上個季度購買了 929 股。最後，Williams Jones Wealth Management LLC 在第四季度將其在 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，價值 850,000 美元，此前在上個季度購買了 1,005 股。84.02% 的股票目前由對沖基金和其他機構投資者持有。</p>
</div><h2>About NU</h2>
<div class="lb-trans"><h2>關於 NU</h2>
</div><p>(Get Free Report)</p>
<div class="lb-trans"><p>（獲取免費報告）</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，通常以其消費品牌 Nubank 為人所知，是一家拉丁美洲金融科技公司，通過移動優先平台提供數字銀行和金融服務。公司的核心產品包括無手續費的數字支票賬户、信用卡、個人貸款、支付和轉賬，以及一系列儲蓄和投資產品。Nubank 強調通過其智能手機應用程序提供簡化的客户體驗，並結合數據驅動的承保和自動化客户服務工具。</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 成立於 2013 年，由 David Vélez、Cristina Junqueira 和 Edward Wible 創辦，迅速發展，目標是為拉丁美洲的低銀行服務和數字化消費者提供低費用、透明的產品。</p>
</div><h2>Read More</h2>
<div class="lb-trans"><h2>瞭解更多</h2>
</div><ul>
<li>Five stocks we like better than NU</li>
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<li>Amazon vs. Alibaba: One Is Clearly The Better Value Play right Now</li>
</ul>
<div class="lb-trans"><ul>
<li>五隻我們更看好的股票，勝過 NU</li>
<li>YETI 在財報超預期和上調前景後反彈</li>
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<li>亞馬遜與阿里巴巴：現在顯然更具價值的選擇</li>
</ul>
</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>此即時新聞提醒由敍事科學技術和 MarketBeat 的金融數據生成，以便為讀者提供最快的報道和公正的覆蓋。如對本故事有任何問題或意見，請發送至 contact@marketbeat.com.</em></p>
</div><h2>Should You Invest $1,000 in NU Right Now?</h2>
<div class="lb-trans"><h2>你現在應該投資$1,000 在 NU 嗎？</h2>
</div><p>Before you consider NU, you'll want to hear this.</p>
<div class="lb-trans"><p>在考慮 NU 之前，你需要聽聽這個。</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 每天跟蹤華爾街頂級評級和表現最佳的研究分析師及其推薦給客户的股票。MarketBeat 已識別出五隻頂級分析師悄悄建議客户現在購買的股票，以便在更廣泛的市場注意到之前……而 NU 並不在名單上。</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>雖然 NU 目前在分析師中獲得了中等買入評級，但頂級分析師認為這五隻股票更值得購買。</p>
</div><p>View The Five Stocks Here</p>
<div class="lb-trans"><p>在這裏查看這五隻股票</p>
</div>

NU Holdings（紐約證券交易所代碼：NU）公佈季度財報結果