Nu Holdings Ltd. (NU) Q2 2026 Earnings Call Transcript

SA Transcripts 161.81K Followers Follow Nu Holdings Ltd. ( NU ) Q2 2026 Earnings Call August 13, 2026 6:00 PM EDT Company Participants Guilherme Souto - Investor Relations Officer & Director of Market Intelligence David Velez-Osomo - Founder, Chairman & CEO Rob Livingston - Chief Financial Officer Conference Call Participants Daer Labarta - Goldman Sachs Group, Inc., Research Division Jorge Kuri - Morgan Stanley, Research Division Eduardo Rosman - Banco BTG Pactual S.A., Research Division Pedro Leduc - Itaú Corretora de Valores S.A., Research Division Yuri Fernandes - JPMorgan Chase & Co, Research Division Geoffrey Elliott Daniel Vaz - J. Safra Corretora de Valores e Cambio Ltda, Research Division Mario Pierry - BofA Securities, Research Division Craig Maurer - Financial Technology Partners LP Presentation Operator Good evening, ladies and gentlemen. Welcome to Nu Holdings conference call to discuss the results for the second quarter of 2026. A slide presentation is accompanying today's webcast, which is available in Nu Investor Relations website, www.investors.nu in English and www.investidores.nu in Portuguese. This conference is being recorded, and the replay can also be accessed on the company's IR website. This call is also available in Portuguese [Operator Instructions] [Foreign Language] I would now like to turn the call over to Mr. Guilherme Souto, Investor Relations Officer at Nu Holdings. Mr. Souto, you may proceed. Guilherme Souto Investor Relations Officer & Director of Market Intelligence Thank you, operator, and thank you, everyone, for joining our earnings call today. With me on today's call are David Velez, our Founder, Chief Executive Officer and Chairman; and Rob Livingston, our Chief Financial Officer. All financial metrics discussed and presented today reflect our managerial P&L framework, which we introduced in the Q4 2025. These managerial measures are important to how we manage the business, but are not financial measures as defined under IFRS and may not be comparable to other companies. A full reconciliation report to the most