Skip to contentHome page Seeking Alpha - Power to InvestorsTranscriptsBrazilNov. 13, 2025 10:21 PM ETNu Holdings Ltd. (NU) StockNUSA Transcripts156.79K FollowersCommentsNu Holdings Ltd. (NU) Q3 2025 Earnings Call November 13, 2025 5:00 PM ESTCompany ParticipantsGuilherme Souto - Investor Relations Officer & Director of Market IntelligenceDavid Velez-Osomo - Founder, Chairman & CEOGuilherme Marques do Lago - Chief Financial OfficerConference Call ParticipantsYuri Fernandes - JPMorgan Chase & Co, Research DivisionJorge Kuri - Morgan Stanley, Research DivisionPedro Leduc - Itaú Corretora de Valores S.A., Research DivisionMario Pierry - BofA Securities, Research DivisionMarcelo Mizrahi - Banco Bradesco BBI S.A., Research DivisionThiago Bovolenta Batista - UBS Investment Bank, Research DivisionGustavo Schroden - Citigroup Inc., Research DivisionDaer Labarta - Goldman Sachs Group, Inc., Research DivisionPresentationOperatorGood evening, ladies and gentlemen. Welcome to Nu Holdings conference call to discuss the results for the third quarter of 2025.A slide presentation is accompanying today's webcast, which is available in Nu's Investor Relations website, www.investors.nu in English and www.investidores.nu in Portuguese.This conference is being recorded, and the replay can also be accessed on the company's IR website. This call is also available in Portuguese. [Operator Instructions] [Foreign Language] [Operator Instructions]I would now like to turn the call over to Mr. Guilherme Souto, Investor Relations Officer at Nu Holdings. Mr. Souto, you may proceed.Guilherme SoutoInvestor Relations Officer & Director of Market IntelligenceThank you, operator, and thank you, everyone, for joining the earnings call today. If you have not seen the earnings release already, a copy is posted in the Investor Relations website.With me on today's call are David Vélez, our Founder, Chief Executive Officer and Chairman; and Guilherme Lago, our Chief Financial Officer.Throughout this conference call, we'll be presenting non-IFRS financial information, including adjusted net income. These are important financial measures for Nu Holdings, but are not financial measures as defined by IFRS and may not be comparable toRead more current NU analysis and newsView all earnings call transcriptsCommentsRecommended For YouTo ensure this doesn’t happen in the future, please enable Javascript and cookies in your browser.Is this happening to you frequently? Please report it on our feedback forum.If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh.