Nu Holdings reported Q2 revenue of $3.7B exceeding estimates of $3.19B and net income of $637M; the company is focused on long-term growth, investing in technology, and expanding into new markets.
>>Here’s how NU’s 28.3% efficiency ratio stacks up against other large digital‑first banks in Q2 2025 — and why it’s still a standout despite the uptick from RSU and marketing costs.
Bank / Fintech (Q2 2025) Efficiency Ratio Notes
Nu Holdings (NU) 28.3% Rose slightly due to RSU expenses and heavier marketing spend; still far leaner than most peers.
Ally Financial ~46% Traditional online bank model; higher funding and servicing costs.
SoFi Technologies ~55% Heavy investment in product expansion and customer acquisition keeps ratio elevated.
Revolut (est.) ~40% Aggressive global expansion and compliance costs weigh on efficiency.
Chime (private, est.) ~35–38% Marketing‑driven growth strategy; not yet at NU’s scale efficiency.