Digital banking platform Nubank (NYSE: NU) will be reporting results this Wednesday after market close. Here’s what to expect.

Nubank met analysts’ revenue expectations last quarter, reporting revenues of $2.90 billion, up 32.8% year on year. It was a mixed quarter for the company, with EPS and revenue in line with analysts’ estimates.

Is Nubank a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, the market is expecting Nubank’s revenue to grow 44.5% year on year, improving from the 24.6% increase it recorded in the same quarter last year.

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Nubank has missed Wall Street’s revenue estimates multiple times over the last two years.

Looking at Nubank’s peers in the personal loan segment, some have already reported their Q4 results, giving us a hint as to what we can expect. SoFi delivered year-on-year revenue growth of 37%, beating analysts’ expectations by 2.7%, and LendingClub reported revenues up 22.7%, topping estimates by 1.8%. SoFi traded down 9.4% following the results while LendingClub was also down 16%.

Read our full analysis of SoFi’s results here and LendingClub’s results here.

Debates over possible tariffs and corporate tax adjustments have raised questions about economic stability in 2025. While some of the personal loan stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 10% on average over the last month. Nubank is down 10.3% during the same time and is heading into earnings with an average analyst price target of $19.99 (compared to the current share price of $16.30).

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