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Nu Holdings | 6-K: Report of foreign private issuer (related to financial reporting)

Nu Holdings | 6-K: Report of foreign private issuer (related to financial reporting)

Nu Holdings | 6-K：外國發行人報告（業績相關）
美股SEC公告 ·  2024/08/14 04:10

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Nu Holdings reported strong Q2 2024 results with net income more than doubling YoY to $487 million, achieving a 28% ROE. Revenue reached a record $2.8 billion, up 65% YoY on FX neutral basis, while gross profit increased 88% YoY to $1.4 billion. The company's customer base expanded to 104.5 million, marking a 25% increase YoY, with monthly average revenue per active customer reaching $11.2.The company demonstrated robust operational efficiency with a cost-to-serve ratio below $0.9 per customer and an improved efficiency ratio of 32%. Asset quality remained stable with Brazil's consumer credit portfolio showing a 15-90 day NPL ratio of 4.5%. Total deposits grew 64% YoY to $25 billion, while the lending portfolio expanded 92% to $4.6 billion.International expansion showed strong momentum, with Mexico reaching 7.8 million customers and Colombia surpassing 1 million users. The company's multi-product platform saw significant adoption across services, with 42 million active credit card users, 78 million NuAccount holders, and 9 million personal loan customers. Nu maintains a strong capital position with $2.4 billion in excess capital at the holding level.
Nu Holdings reported strong Q2 2024 results with net income more than doubling YoY to $487 million, achieving a 28% ROE. Revenue reached a record $2.8 billion, up 65% YoY on FX neutral basis, while gross profit increased 88% YoY to $1.4 billion. The company's customer base expanded to 104.5 million, marking a 25% increase YoY, with monthly average revenue per active customer reaching $11.2.The company demonstrated robust operational efficiency with a cost-to-serve ratio below $0.9 per customer and an improved efficiency ratio of 32%. Asset quality remained stable with Brazil's consumer credit portfolio showing a 15-90 day NPL ratio of 4.5%. Total deposits grew 64% YoY to $25 billion, while the lending portfolio expanded 92% to $4.6 billion.International expansion showed strong momentum, with Mexico reaching 7.8 million customers and Colombia surpassing 1 million users. The company's multi-product platform saw significant adoption across services, with 42 million active credit card users, 78 million NuAccount holders, and 9 million personal loan customers. Nu maintains a strong capital position with $2.4 billion in excess capital at the holding level.
Nu Holdings報告了2024年第二季度強勁的業績，凈利潤同比增長超過一倍，達到48700萬美元，ROE達28%。營業收入創下280億的記錄，同比在外匯中立的基礎上增長65%，毛利潤同比增長88%至140億。公司的用戶數擴展至10450萬，同比增長25%，活躍客戶的月均收入達到11.2美元。公司展現出強大的運營效率，服務成本比率低於每位客戶0.9美元，效率比率改善至32%。資產質量保持穩定，巴西消費信貸組合的15-90天不良貸款比率爲4.5%。總存款同比增長64%，達到250億，而貸款組合增長92%，達到46億。國際擴張顯示出強勁的動力，墨西哥客戶達到780萬，哥倫比亞用戶超過100萬。公司的多產品平台在各項服務中得到了顯著採用，擁有4200萬活躍信用卡用戶，7800萬NuAccount持有者，和900萬個人貸款客戶。Nu在控股層面保持了強大的資本實力，超額資本達到24億。
Nu Holdings報告了2024年第二季度強勁的業績，凈利潤同比增長超過一倍，達到48700萬美元，ROE達28%。營業收入創下280億的記錄，同比在外匯中立的基礎上增長65%，毛利潤同比增長88%至140億。公司的用戶數擴展至10450萬，同比增長25%，活躍客戶的月均收入達到11.2美元。公司展現出強大的運營效率，服務成本比率低於每位客戶0.9美元，效率比率改善至32%。資產質量保持穩定，巴西消費信貸組合的15-90天不良貸款比率爲4.5%。總存款同比增長64%，達到250億，而貸款組合增長92%，達到46億。國際擴張顯示出強勁的動力，墨西哥客戶達到780萬，哥倫比亞用戶超過100萬。公司的多產品平台在各項服務中得到了顯著採用，擁有4200萬活躍信用卡用戶，7800萬NuAccount持有者，和900萬個人貸款客戶。Nu在控股層面保持了強大的資本實力，超額資本達到24億。
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