Nu Holdings Ltd. (NU) Earnings Expected to Grow: What to Know Ahead of Q3 Release

NU heads into its Q3 2026 report with a split signal: strong year-over-year growth expectations, but a deteriorating estimate trend and a negative earnings surprise indicator.

Consensus calls for earnings of $0.22 per share, up 29.4% from a year ago, on revenue of $5.7 billion, up 36.6% YoY. Those growth rates set a high bar for the print.

The estimate picture is less encouraging. The consensus EPS figure has been revised 2.78% lower over the last 30 days, a sign that analysts have been trimming expectations into the report rather than raising them. Zacks' Earnings ESP stands at -5.62%, meaning the most recent analyst estimates sit below the consensus figure. That negative reading makes an earnings beat harder to call, per Zacks Investment Research.

NU carries a Zacks Rank #3 (Hold), which reinforces the neutral stance. Interpretation: the Hold rank and the negative ESP together suggest the market has little reason to expect an outsized upside surprise, so the revenue line, with its 36.6% growth expectation, may carry more weight than EPS in how the stock reacts.