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Although the average monthly check is $3,452.50 — some payouts have been as high as $4,010, $7,966.61, and $11,803. Go here to get set up before the next payout next month. Sunday’s Featured StoryNu Holdings Stock Presses Higher—Breakout on Deck?Written by Chris Markoch. Published 11/17/2025. Key PointsNu Holdings delivered strong Q3 earnings with rising ARPAC, record ROE, and customer growth reaching 127 million.High engagement, expanding credit portfolios, and improving efficiency ratios signal continued profitable scale for NU stock.With bullish technical indicators and a consensus price target of $17.33, NU stock may be positioned for a breakout above its all-time high.In the past month, Nu Holdings Ltd. (NYSE: NU) stock has reached a new all-time high (ATH) twice — and both times sellers immediately pushed the price back down. Despite a muted post‑earnings reaction, the third attempt may provide the momentum needed to clear the prior ATH resistance.After an initial pullback, NU traded up just over 1% in early trading the day after the report. Investors may have hoped for more, but the tepid response likely reflects broader bearish sentiment in the market, particularly toward digital banks and other financial services firms even as Nu promotes an AI-first approach.A Good Earnings Report on a Bad Day for the MarketWhat can you even get for a dollar these days? (Ad)Black Friday Deal: Trade with AI for Just $1 Get 12 months of The Tim Sykes Letter + 30 days of XGPT access.[Claim My $1 Deal]Post-earnings price action often depends on the broader market mood. Investors were clearly in a selling frame of mind the day Nu reported, so it would have taken a blowout quarter to spark a strong rally. In that context, a nearly flat trading reaction can be read as a modest victory.The report was strong on nearly every metric. Headline results showed earnings per share (EPS) of $0.17 on revenue of $4.17 billion, beating estimates of $0.15 and $3.96 billion.Those figures were even more impressive year over year: EPS rose 54% from $0.11 in November 2024, and revenue climbed 41% from $2.94 billion a year earlier.Nu’s Flywheel Strategy Continues to Deliver Profitable ScaleThe results underscore the company’s ability to scale while expanding profitability through its flywheel model.Nu’s core banking flywheel — more customers, higher revenue per customer, and lower cost to serve — was evident in the quarter. Active customers grew to 127 million, up 17% year over year, and engagement remains unusually strong.The company reported an 83% activity rate, meaning the vast majority of customers generate revenue each month. That level of monthly monetization is rare among digital banks and suggests Nu is not only adding users but consistently converting them into revenue.With most of its 127 million users generating revenue monthly, Nu benefits from predictable growth, stronger operating leverage, and a customer base that appears stickier than many fintech peers.Nu also continued to deepen monetization: average revenue per active customer (ARPAC) rose to $13 from $11 a year ago. This improvement was supported by a credit portfolio that expanded 42% on an FX‑neutral basis, led by secured lending.Deposits grew 34% year over year, providing a healthy funding base and a loan-to-deposit ratio of just 46%, underscoring the bank’s conservative balance-sheet stance.Credit discipline remains solid: both 15–90 day and 90+ day delinquency ratios were in line with historical seasonality, and coverage ratios stayed well above 200%. Combined with an improved efficiency ratio of 27.7%, Nu is converting operating leverage into tangible earnings — evidenced by a record 31% return on equity and nearly $783 million in net income.NU Stock Is Signaling a ReversalNU’s chart showed a bullish setup entering the report: the relative strength index (RSI) had dipped toward oversold levels and the MACD was stabilizing after a multi-week downtrend — conditions that often precede a shift toward bullish momentum.The positive quarter could provide the catalyst to push the stock higher, but short-term bearish momentum remains a headwind. The prior ATH near $16.50–$17 was accompanied by a surge in volume, a dynamic that’s been largely absent in recent sessions.A clear pickup in buying volume will be an important signal that NU is ready to retake — and hold — a new high.Analyst commentary will also matter. The NU Holdings analyst forecasts on MarketBeat show a consensus price target of $17.33, roughly a 10.9% upside from the Nov. 13 close. As analysts react to the results, the stock could move decisively higher. |
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