NEW YORK, December 31, 2025, 08:12 ET — Premarket
- Nu Holdings shares were higher in premarket trading after a gain at Tuesday’s close.
- Investors are looking to quarterly earnings expectations and valuation into year-end.
- U.S. stock futures were slightly lower in thin trading on the final session of 2025.
Shares of Nu Holdings Ltd were up 0.7% at $17.01 in premarket trading on Wednesday, after finishing Tuesday at $16.88, up 1.3%.
The early move matters because Nu has become a widely held proxy for high-growth Latin American consumer finance, and year-end liquidity can exaggerate price swings even on routine positioning.
Zacks Investment Research said investors are turning attention to Nu’s next quarterly report, forecasting earnings per share of $0.18 on revenue of $4.56 billion; for the full year, it projects EPS of $0.59 and revenue of $15.65 billion. Zacks also said Nu’s shares have fallen 4.69% over the past month and put the stock at a Zacks Rank of #2 (Buy), with a forward price-to-earnings (P/E) ratio of 28.4 — a valuation metric that compares the share price to expected profits — and a PEG ratio of 0.8, which adjusts P/E for growth.
Broader risk tone was muted before the opening bell, with U.S. stock index futures edging lower in thin trading on the last trading day of 2025, a Reuters report said.
Nu, the parent of Brazilian digital lender Nubank, has built its business around app-based banking, credit cards and unsecured lending in Brazil, with growing operations in Mexico and Colombia.
In its most recent results, Nu reported third-quarter net income of $783 million and said profitability improved as it scaled in Brazil while adjusting funding costs in Mexico. Chief Financial Officer Guilherme Lago told Reuters that “the combination” of operating leverage in Brazil and “asset liability management in Mexico” drove a “large boost” in consolidated results; the company also reported a record annualized return on equity of 31% and said Brazil’s 15-to-90-day delinquency rate was 4.2% in the quarter. Reuters
Investors have been watching whether rapid customer growth translates into durable earnings without a pickup in late-stage delinquencies, and whether net interest margin — the spread between what a lender earns on loans and pays for funding — stabilizes as rates and competition shift across Nu’s core markets.
Nu’s investor relations events calendar lists its fourth-quarter 2025 earnings results and conference call on Feb. 25, 2026.
Ahead of that update, traders often focus on signals around loan growth, deposit costs and credit performance — especially in unsecured consumer lending, which tends to react quickly when household finances tighten.
Technically, Tuesday’s session ranged from $16.68 to $17.11, leaving the stock within sight of its 52-week high of $17.84; the 52-week low is $9.01, according to Investing.com data.
A push through the recent highs would put the stock closer to a retest of the 52-week peak, while any fade back below the mid-$16 area would suggest traders are taking risk off into the holiday.
