Zacks Investment Research
18 May 2026, 16:55 UTC · 3d ago
Source · https://www.zacks.com/stock/news/2922778/nu-stock-falls-5-7-since-missing-q1-earnings-revenues-in-line?cid=CS-STOCKNEWSAPI-FT-analyst_blog|earnings_article-2922778
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Nu Holdings reported Q1 2026 earnings per share of 19 cents, missing the Zacks Consensus Estimate of 20 cents. — Earnings misses typically trigger immediate negative price pressure, as evidenced by the stock's 5.7% decline following the report.
-0.40Nu Holdings' total credit portfolio grew 40% year-over-year to $37.2 billion, with significant growth in unsecured lending (53%) and secured lending (38%). — Strong portfolio expansion and aggressive lending growth indicate high demand and scalable revenue potential.
+0.30The company's global customer base grew to 135.2 million, with Mexico crossing 15 million customers to become the third-largest financial institution in that market. — Successful international expansion into Mexico proves the business model's portability and increases the total addressable market.
+0.30Monthly average revenue per active customer increased 23% year-over-year to $15.9. — Rising monetization per user suggests the company is successfully increasing the value extracted from its existing user base.
+0.20Revenues rose 53% year-over-year to a record $4.97 billion (Accounting P&L), matching consensus estimates. — Strong top-line growth offsets the EPS miss, signaling that the core business is still expanding rapidly.
+0.10Impact vectors
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The company missed earnings estimates and saw its stock price decline, despite strong customer growth and revenue increases.
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