Move decomposition
Earnings contribution and valuation offset
The market move is separated into the change in trailing earnings power and the offset from relative valuation.
US Equity · NYSE · Earnings Dossier
NU earnings intelligence
Nu Holdings LtdFinancial Services · Banks - Regional · USD reporting basis
Current earnings profile
Mixed earnings transmission
Delivery and market response do not currently form a persistent directional pattern.
Evidence99/100 · Deep
Next scheduled catalyst
Thursday 13 August 2026
Time unconfirmed · Fiscal period ending 30 Jun 2026
79event risk
High
Countdown0 dayscalendar proximity
EPS estimate0.20 USDprovider consensus
Estimate growth+53.8%versus comparable year-ago actual
Historical movement7.6%average absolute next weekly close
Three-year earnings transmission
Delivered earnings power versus market price
Earnings power is leading market price; the spread is widening and has persisted through 11 updates. Both series begin at 100, so the gap isolates the relative change in price and trailing earnings power.
Market move92.0%2023-08-18 to 2026-08-07
Earnings move2100.0%trailing diluted EPS
Unresolved spread2008.0 ptsWidening
Current multiple21.0xprice divided by TTM EPS
Relationship pressure96/100Extreme
Model confidence72/100Moderate
Relationship controls
What qualifies the headline spread
Persistent earnings lead
Earnings power has led market price across several updates.
Starting-base sensitivity
The three-year earnings move begins from an unusually depressed level; compare the shorter horizons before relying on its scale.
Model qualification
The three-year starting earnings level was unusually depressed.
Model qualification
The earnings move is exceptionally large and should be read with its quality confirmation.
Beat rate41.7%5 beats in 12 measured quarters
Average surprise+8.0%median 0.0%
Delivery streak11 consecutive misses
Average response-4.0%12 measured reactions
Result-price confirmation43%same directional sign
Surprise variability19.9 ptspopulation dispersion
Estimate delivery
Actual EPS versus consensus
Actual and estimated EPS are displayed in reported currency on the same quarterly basis.
Price acceptance
Surprise and next weekly close
The response uses the first completed weekly close after the public report against the prior completed weekly close.
Fundamental delivery
Quarterly revenue and net income
Reported financial statements provide scale and earnings quality context around the headline EPS result.
Transmission matrix
Does price confirm delivery?
Upper right and lower left observations confirm the sign of delivery. The other quadrants expose expectation or resilience effects.
Current business context
Growth, quality and valuation
EPS growth48.0%year on year
Revenue growth48.1%year on year
Average surprise-1.3%latest four quarters
SUE0.14standardised surprise
Net margin18.1%trailing basis
Cash conversion0.55xcash flow / net income
P/E21.0xcurrent snapshot
Data completeness100%alphavantage
Market context
Positioning into the event
Weekly close13.84 USDcompleted week
13-week return0.3%price momentum
Fair-value gap10.5%price versus current fair value
Relative strength-18.2exchange benchmark
Trend signalInactiveweekly architecture
Next-week statePositive59.1%
Market context describes the setup surrounding the report. It does not convert the earnings event into a directional forecast.
Reported evidence ledger
Quarter-by-quarter delivery and acceptance
Each row preserves the reported estimate, public date, statement context and conservative weekly reaction measurement.
Reported / periodEPS actual / estimateSurpriseEPS growthRevenue / growthNext close / four weeksRead
Reported / period14 May 202631 Mar 2026 · exact
EPS actual / estimate0.18 / 0.19USD
Surprise-5.3%Miss
EPS growth+63.6%year on year
Revenue / growth4982383000+53.4% · USD
Next close / four weeks-11.7% / -13.3%completed weekly closes
ReadConfirmedresult versus price sign
Reported / period25 Feb 202631 Dec 2025 · exact
EPS actual / estimate0.18 / 0.18USD
Surprise0.0%In-Line
EPS growth+63.6%year on year
Revenue / growth4703817000+57.4% · USD
Next close / four weeks-14.5% / -20.5%completed weekly closes
ReadContainedresult versus price sign
Reported / period13 Nov 202530 Sep 2025 · exact
EPS actual / estimate0.17 / 0.17USD
Surprise0.0%In-Line
EPS growth+54.5%year on year
Revenue / growth4173377000+46.1% · USD
Next close / four weeks-0.3% / +5.2%completed weekly closes
ReadContainedresult versus price sign
Reported / period14 Aug 202530 Jun 2025 · exact
EPS actual / estimate0.13 / 0.13USD
Surprise0.0%In-Line
EPS growth+30.0%year on year
Revenue / growth3683202000+33.9% · USD
Next close / four weeks+6.5% / +19.8%completed weekly closes
ReadContainedresult versus price sign
Reported / period13 May 202531 Mar 2025 · exact
EPS actual / estimate0.11 / 0.12USD
Surprise-8.3%Miss
EPS growth+37.5%year on year
Revenue / growth3247343000+23.1% · USD
Next close / four weeks+1.7% / -5.3%completed weekly closes
ReadDivergedresult versus price sign
Reported / period20 Feb 202531 Dec 2024 · exact
EPS actual / estimate0.11 / 0.11USD
Surprise0.0%In-Line
EPS growth+57.1%year on year
Revenue / growth2989295000+36.9% · USD
Next close / four weeks-21.0% / -14.4%completed weekly closes
ReadContainedresult versus price sign
Reported / period13 Nov 202430 Sep 2024 · exact
EPS actual / estimate0.11 / 0.10USD
Surprise+10.0%Beat
EPS growth+83.3%year on year
Revenue / growth2857408000+33.7% · USD
Next close / four weeks-7.7% / -21.0%completed weekly closes
ReadDivergedresult versus price sign
Reported / period13 Aug 202430 Jun 2024 · exact
EPS actual / estimate0.10 / 0.09USD
Surprise+11.1%Beat
EPS growth+100.0%year on year
Revenue / growth2750163000- · USD
Next close / four weeks+13.6% / +10.5%completed weekly closes
ReadConfirmedresult versus price sign
Reported / period14 May 202431 Mar 2024 · exact
EPS actual / estimate0.08 / 0.07USD
Surprise+14.3%Beat
EPS growth-year on year
Revenue / growth2638730000- · USD
Next close / four weeks-0.9% / +1.1%completed weekly closes
ReadContainedresult versus price sign
Reported / period22 Feb 202431 Dec 2023 · exact
EPS actual / estimate0.07 / 0.08USD
Surprise-12.5%Miss
EPS growth-year on year
Revenue / growth2183563000- · USD
Next close / four weeks-1.4% / +12.1%completed weekly closes
ReadConfirmedresult versus price sign
Reported / period14 Nov 202330 Sep 2023 · exact
EPS actual / estimate0.06 / 0.05USD
Surprise+20.0%Beat
EPS growth-year on year
Revenue / growth2136758000- · USD
Next close / four weeks-5.3% / -3.5%completed weekly closes
ReadDivergedresult versus price sign
Reported / period15 Aug 202330 Jun 2023 · exact
EPS actual / estimate0.05 / 0.03USD
Surprise+66.7%Beat
EPS growth-year on year
Revenue / growth-- · USD
Next close / four weeks-7.1% / -12.2%completed weekly closes
ReadDivergedresult versus price sign
Reproducible method
How the earnings dossier is measured
Reported diluted EPS is compared with the stored estimate for the same fiscal period. Moves within ±0.5% are classified as in-line.
The first completed weekly close after the public date is compared with the prior completed weekly close. Four-week response uses the first close at least 21 days later.
Risk combines proximity, average absolute price movement, surprise variability, estimate availability and timing certainty. It does not score direction.
Exact public dates are used when stored. Missing estimates, timing and statement fields remain missing. No result or reaction is filled from a future observation.
Independent market research for education. Not investment advice, a recommendation, forecast, target or execution instruction.