Nu控股第三季总收入63亿美元创纪录、增37%：净利润11亿美元增31%，全球客户达1.43亿
巴西圣保罗，Nu 控股11月12日公布截至2026年9月30日的第三季业绩。总收入达创纪录的63亿美元，同比增长37%；毛利润增35%至26亿美元；净利润达创纪录的11亿美元、增31%，股本回报率为32%。公司称，除特别注明外，增长率均按外汇中性口径计算。创始人兼首席执行官 David Vélez 在业绩稿中表示，公司在核心市场继续增长的同时，已迈出走出拉丁美洲的第一步。
客户方面，Nu 第三季新增370万名客户，全球客户总数达1.43亿，其中巴西近1.20亿、墨西哥1660万、哥伦比亚610万。整体活跃率升至83.6%，每月每活跃客户平均收入约18美元。Vélez 在稿中说，Nu 在巴西已服务65%的成年人口，活跃率连续第七个季度上升、达创纪录的86.3%。
信贷与资金方面，信贷组合同比增33%、环比增6%，至416亿美元，其中信用卡272亿美元、无担保贷款110亿美元、有担保贷款34亿美元。存款增19%至475亿美元，其中巴西386亿美元、墨西哥53亿美元、哥伦比亚35亿美元。净利息收入为39亿美元，净息差为22.5%。
资产质量方面，15至90天不良贷款率为4.9%，上一季为4.8%；90天以上不良贷款率为7.3%，上一季为6.9%；90天以上不良贷款的拨备覆盖率为234%。效率比率为19.3%，上一季为19.5%，去年同期为20.3%；Nu 把全年效率比率预期下调至19%至19.5%，此前预期约为20%。
新业务方面，Nu 美国于9月10日上线，数周内覆盖全部50个州；Nu Global 于10月15日上线，客户已分布在37个国家。墨西哥在作为银行运营的第一个季度新增87万名客户，存款保险覆盖额提高至原来的约16倍、达每名客户约19.5万美元。哥伦比亚客户增62%至610万，持卡人达300万，Nu 称其已成为该国持卡人数最多的信用卡发行机构。
Nu Holdings Third Quarter Gross Revenue Reaches Record 6.3 Billion Dollars, Up 37 Percent, With Net Income of 1.1 Billion Up 31 Percent and 143 Million Customers
In São Paulo, Brazil, Nu Holdings released on November 12 its financial results for the third quarter ended September 30, 2026. Gross revenue reached a record 6.3 billion dollars, up 37 percent year over year. Gross profit rose 35 percent to 2.6 billion, and net income reached a record 1.1 billion, up 31 percent, with return on equity of 32 percent. The company said growth rates are on an FX neutral basis unless otherwise noted. Founder and Chief Executive Officer David Vélez said in the release that the company kept growing across its core markets while taking its first steps beyond Latin America.
On customers, Nu added 3.7 million customers in the quarter, reaching 143 million globally: nearly 120 million in Brazil, 16.6 million in Mexico and 6.1 million in Colombia. The activity rate rose to 83.6 percent, and monthly average revenue per active customer reached approximately 18 dollars. Vélez said Nu already serves 65 percent of adults in Brazil, where the activity rate rose for the seventh consecutive quarter to a record 86.3 percent.
The credit portfolio grew 33 percent year over year and 6 percent quarter over quarter to 41.6 billion dollars, including credit cards of 27.2 billion, unsecured lending of 11.0 billion and secured lending of 3.4 billion. Deposits rose 19 percent to 47.5 billion, with 38.6 billion in Brazil, 5.3 billion in Mexico and 3.5 billion in Colombia. Net interest income was 3.9 billion, with a net interest margin of 22.5 percent.
On asset quality, the 15 to 90 day non-performing loan ratio was 4.9 percent, compared with 4.8 percent in the second quarter, and the 90-plus day ratio rose to 7.3 percent from 6.9 percent. Coverage of 90-plus day non-performing loans was 234 percent. The efficiency ratio was 19.3 percent, compared with 19.5 percent in the second quarter and 20.3 percent a year earlier, and Nu now expects a full-year efficiency ratio of 19 percent to 19.5 percent, below its previous expectation of around 20 percent.
Nu US launched on September 10 and within weeks reached customers in all 50 states. Nu Global went live on October 15 and has customers in 37 countries. In its first quarter as a bank, Mexico added 870 thousand customers, and deposit insurance coverage rose sixteenfold to approximately 195 thousand dollars per customer. Colombia customers grew 62 percent to 6.1 million, with 3 million cardholders, and Nu said it is now the country largest credit card issuer by number of cardholders.
来源：Nu控股
发布：GSM·美国（发布链接）
图片来源：图：Nu 控股创始人兼首席执行官 David Vélez。作者：Sam Barnes / Web Summit Rio，CC BY 2.0，维基共享资源。 / Photo: Nu Holdings founder and CEO David Vélez. Credit: Sam Barnes / Web Summit Rio, CC BY 2.0, via Wikimedia Commons.
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