Guilherme Souto
Investor Relations Officer
Replay available
Nu Holdings Ltd. (NYSE: NU) Q4 2025 earnings conference call, held 2026-02-25. Replay captured from the company's public earnings webcast.

Investor Relations Officer
Founder, Chief Executive Officer & Chairman
Chief Financial Officer
Analyst at BTG Pactual
Analyst at Morgan Stanley
Analyst at Itaú BBA
Analyst at J.P. Morgan
Analyst at Bank of America
Watch the replay and follow the connected company analysis, news, and investor updates for Nu Holdings Ltd..
WEBVTT 00:00:00.031 -- 00:00:04.879 Good evening, ladies and gentlemen. Welcome to New Holdings Conference call to discuss 00:00:04.879 -- 00:00:07.463 the results for the fourth quarter of 2025. 00:00:07.463 -- 00:00:09.026 A 00:00:09.026 -- 00:00:14.014 slide presentation is accompanying today's webcast, which is available in New's Investor 00:00:14.014 -- 00:00:16.077 Relations website, 00:00:16.077 -- 00:00:18.077 www.investors.new 00:00:18.602 -- 00:00:22.405 in English and www.investidores.nu 00:00:23.510 -- 00:00:28.650 in Portuguese. This conference is being recorded and the replay can also 00:00:28.650 -- 00:00:32.238 be accessed on the company's IR website. 00:00:32.238 -- 00:00:35.424 This call is also available in Portuguese. 00:00:35.424 -- 00:00:40.234 To access, you can press the globe icon on the lower right side of your Zoom screen and 00:00:40.234 -- 00:00:45.304 then choose to enter the Portuguese room. After that, select Mute Original 00:00:45.304 -- 00:00:46.707 Audio. 00:00:46.707 -- 00:00:51.933 Para acessar nossa conferência em português, clique no ícone do globo ao lado inferior 00:00:51.933 -- 00:00:56.578 direito da sua tela zoom e selecione a opção Portuguese Room. 00:00:56.578 -- 00:01:01.383 Ao acessar a nova sala, certifique-se de mutar o áudio original. 00:01:01.383 -- 00:01:05.307 Please be advised that all participants will be in a listen-only mode. 00:01:05.307 -- 00:01:11.311 You may submit online questions at any time today using the Q&A box on the webcast. 00:01:11.311 -- 00:01:13.534 I would now like to turn the call over to Mr. 00:01:13.534 -- 00:01:17.860 Guilherme Souto, Investor Relations Officer at Newt Holdings. 00:01:17.860 -- 00:01:21.022 Mr. Souto, you may proceed. 00:01:22.186 -- 00:01:27.233 Thank you, operator, and t...