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symbol logo$NU Q2 '25 Earnings Results & Recap 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.
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HoleInHerStocking
>>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.
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