Stock Track | Nu Holdings Plunges 5.18% in Post-Market Trading on Q1 Earnings Miss and Cautious US Expansion Outlook

Stock Track05-15 08:36

Nu Holdings Ltd. (NU) experienced a significant 24-hour plunge of 5.18% in post-market trading on Thursday, as investors reacted negatively to the company's latest financial results and forward-looking guidance.

The sharp decline followed the release of Nu Holdings' first-quarter 2026 earnings, which revealed a net profit of $871 million, falling short of the analyst consensus estimate of $980 million. The earnings per share of $0.18 also missed expectations of $0.19. While revenue of $5.3 billion exceeded estimates, the profit shortfall was attributed to higher provisions linked to rapid loan growth, with the company's total credit portfolio expanding 40% year-over-year to $37.2 billion. Additionally, the 15-90 day non-performing loan ratio rose to 5.0% from 4.1% in the previous quarter, raising concerns about asset quality despite management attributing the increase to seasonal patterns.

Further weighing on investor sentiment was the company's announcement of a measured approach to U.S. market expansion, with maximum investment expected to remain below 100 basis points of the consolidated efficiency ratio in both 2026 and 2027. This cautious outlook, coupled with the earnings miss and rising delinquency metrics, contributed to the post-market selloff as traders reassessed the company's near-term growth prospects and profitability trajectory.

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