Movement Alert｜Nu Holdings Falls 3.1% in Regular Trading, Q1 Profit Margin Pressure and Cautious US Expansion Continue to Weigh on Rebound

Market Focus05-22

On May 22, Nu Holdings fell 3.1% in regular trading, trading at $12.775/share, with trading volume of $159 million.

On the news front, the stock continues to face headwinds from its previously reported Q1 earnings miss and cautious US expansion outlook. Nu Holdings posted Q1 net income of $871.4 million, below market expectations, as rapid loan growth drove a 33% quarter-over-quarter surge in credit loss provisions to $1.79 billion. Risk-adjusted net interest margin contracted 100 basis points from the prior quarter to 9.5%, while annualized ROE declined from 33% to 29%.

Additionally, management indicated that US market investment over the next two years would remain below 100 basis points of its consolidated efficiency ratio, signaling a measured pace of international expansion. While earlier rebound momentum driven by Lone Pine Capital's 28.3% stake increase and UBS maintaining a buy rating with a $16.90 target price had briefly supported the stock, that positive sentiment appears to have faded as profit margin concerns persist.

(The above content is based on publicly available market information, generated by a program or algorithm, and is intended solely as a stock movement alert. It does not constitute investment advice or a basis for trading decisions.)

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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