Archive · 15 Aug 2025
Nubank Anticipates Credit Growth Despite Delinquency Rise
Nubank, a big online bank in Latin America, is doing pretty well and plans to keep growing.
Some people were worried about the bank's loans, but things are going as expected.
The bank's loans have seen some slight problems, but not as bad as some thought.
Nubank is also changing how it gives out loans to some customers, which will let them borrow more money.
Even though the bank's value dropped a little bit, it is still doing okay and its stock is up.
Some important people at the bank have left recently to start their own ventures.
Nubank, Latin America's largest digital bank, anticipates continued credit growth.
The 90-day delinquency ratio increased to 6.6% in Q2, while the 15- to 90-day ratio declined.
Nubank's CFO stated that asset classes in Brazil, Mexico, and Colombia are performing better than expected.
Nubank is updating its credit model in Brazil to increase credit limits for some customers.
Nubank's market value is $57.6 billion, and its shares are up 15% this year.
- Who
- Nubank, a digital bank in Latin America.
- What
- Nubank reported on its credit performance and future growth expectations.
- When
- The report covers the second quarter of the year.
- Where
- Nubank operates in Brazil, Mexico, and Colombia.
- Why
- Nubank is assessing its credit quality and growth potential.
Analysts Concerns
Nubank Optimism
Credit Quality
Analysts Concerns
Analysts had expressed concerns that Nubank's delinquency rates might deteriorate.
Nubank Optimism
The CFO stated that asset classes are performing better or marginally better than expected.
- 90-day delinquency ratio
- 6.6%
- 15- to 90-day delinquency ratio
- 4.4%
- Market Value
- $57.6 billion
- Stock Performance
- Up 15% YTD
- Countries of Operation
- Brazil, Mexico, Colombia