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Nu Holdings Ltd.

NUleader

Nu Holdings (Nubank) is the world's largest digital bank by number of customers, operating in Brazil, Mexico, and Colombia with 100M+ customers. It disrupted Latin America's highly concentrated banking sector with zero-fee digital products.

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Products & Revenue

Product Revenue Share

Revenue Breakdown ($11.5B)

Static data (loading live financials…)

Interest Income (68%)
Fee Income (32%)

Segment Breakdown & Key Customers

Product Details

Nubank Credit Card55%

No-fee credit card — Brazil's most popular credit card with 100M+ customers. Fully app-managed.

NuConta Digital Account25%

Zero-fee digital checking and savings account with competitive interest rates.

Lending & Investments20%

Personal loans, payroll-deductible credit (consignado), and investment products.

Supply Chain Relationships

Competitors

Bank of America Corporation

Banking in Latin America

Impact: disrupting traditional banks in Brazil

MercadoLibre, Inc.

Digital payments in LatAm

Impact: Mercado Pago competing in Brazil fintech

Macro & Market Context

금융Sector News

금리 인하 사이클 + 자본시장 회복 — IB 수수료·대출 스프레드 동시 개선

Fed Funds Rate

4.25~4.50%

M&A 거래 규모 (2026Q1)

$842B (+34% YoY)

은행 NIM (평균)

2.85%

신용카드 연체율

3.2% (10년 최고)

Upcoming Catalysts

◆JPM·BAC·GS·MS Q1 실적 (2026.04.14~17)◆Fed FOMC 회의 (2026.05, 06)◆Basel III Endgame 최종 규정 확정

Latest News

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AI Analysis

Click "Get AI Analysis" for an AI-powered supply chain analysis of Nu Holdings Ltd..

Company Info

Headquarters

São Paulo, Brazil

Founded

2013

Employees

9,000

Website

nu.com.br

Sector Overview — 금융

Sector News

금리 인하 사이클 + 자본시장 회복 — IB 수수료·대출 스프레드 동시 개선

Fed Funds Rate

4.25~4.50%

M&A 거래 규모 (2026Q1)

$842B (+34% YoY)

은행 NIM (평균)

2.85%

신용카드 연체율

3.2% (10년 최고)

Key Themes

  • •금리 인하 → 모기지·기업대출 수요 회복 기대
  • •M&A·IPO 재개 — Goldman·Morgan Stanley IB 수수료 급증
  • •핀테크 규제 완화 기대 — Block·Affirm·Upstart 수혜

Upcoming Catalysts

  • ◆JPM·BAC·GS·MS Q1 실적 (2026.04.14~17)
  • ◆Fed FOMC 회의 (2026.05, 06)