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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 ·  2024/11/13 22:03

Moomoo AI 已提取核心訊息

Nu Holdings delivered strong Q3 2024 results with revenue reaching a record $2.9 billion, up 56% YoY on FX neutral basis. Net income rose 83% YoY to $553.4 million, while adjusted net income increased to $592.2 million. The company added 5.2 million new customers, bringing total customers to 109.7 million.The company's deposits expanded 60% YoY to $28.3 billion, while the total credit portfolio grew 47% YoY to $20.9 billion. Monthly Average Revenue per Active Customer (ARPAC) increased 25% YoY to $11.0. In Brazil, Nu became the institution with the largest number of active customers in credit operations, with 98.8 million customers representing 56% of the country's adult population.Asset quality remained strong with the 15-90 day NPL ratio in Brazil dropping 10 basis points to 4.4%, while the 90+ day NPL ratio increased to 7.2% as expected. Risk-adjusted Net Interest Margin expanded 110 basis points YoY to 10.1%, demonstrating effective pricing for marginal risk. The efficiency ratio improved to 31.4%, highlighting the platform's growing operating leverage.
Nu Holdings delivered strong Q3 2024 results with revenue reaching a record $2.9 billion, up 56% YoY on FX neutral basis. Net income rose 83% YoY to $553.4 million, while adjusted net income increased to $592.2 million. The company added 5.2 million new customers, bringing total customers to 109.7 million.The company's deposits expanded 60% YoY to $28.3 billion, while the total credit portfolio grew 47% YoY to $20.9 billion. Monthly Average Revenue per Active Customer (ARPAC) increased 25% YoY to $11.0. In Brazil, Nu became the institution with the largest number of active customers in credit operations, with 98.8 million customers representing 56% of the country's adult population.Asset quality remained strong with the 15-90 day NPL ratio in Brazil dropping 10 basis points to 4.4%, while the 90+ day NPL ratio increased to 7.2% as expected. Risk-adjusted Net Interest Margin expanded 110 basis points YoY to 10.1%, demonstrating effective pricing for marginal risk. The efficiency ratio improved to 31.4%, highlighting the platform's growing operating leverage.
Nu Holdings發佈了強勁的2024年第三季度業績，營業收入達到創紀錄的29億，按外匯中立基準同比增長56%。凈利潤同比增長83%，達到55340萬，而調整後的凈利潤增加至59220萬。公司新增了520萬客戶，總客戶數達到了10970萬。公司的存款同比增長60%，達到283億，而總信貸組合同比增長47%，達到了209億。每活躍客戶每月平均收入（ARPAC）同比增長25%，達到11.0美元。在巴西，Nu成爲信用業務中活躍客戶數量最多的機構，擁有9880萬客戶，佔該國成年人口的56%。資產質量保持強勁，巴西15-90天的不良貸款率下降了10個點子，降至4.4%，而90天以上的不良貸款率如預期上升至7.2%。風險調整後的凈利息收益率同比擴大了110個點子，達到10.1%，體現了對邊際風險的有效定價。效率比率改善至31.4%，突顯了平台不斷增長的經營槓桿。
Nu Holdings發佈了強勁的2024年第三季度業績，營業收入達到創紀錄的29億，按外匯中立基準同比增長56%。凈利潤同比增長83%，達到55340萬，而調整後的凈利潤增加至59220萬。公司新增了520萬客戶，總客戶數達到了10970萬。公司的存款同比增長60%，達到283億，而總信貸組合同比增長47%，達到了209億。每活躍客戶每月平均收入（ARPAC）同比增長25%，達到11.0美元。在巴西，Nu成爲信用業務中活躍客戶數量最多的機構，擁有9880萬客戶，佔該國成年人口的56%。資產質量保持強勁，巴西15-90天的不良貸款率下降了10個點子，降至4.4%，而90天以上的不良貸款率如預期上升至7.2%。風險調整後的凈利息收益率同比擴大了110個點子，達到10.1%，體現了對邊際風險的有效定價。效率比率改善至31.4%，突顯了平台不斷增長的經營槓桿。
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