Balanço trimestral Nubank: altos e baixos

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O lucro do Nubank (ROXO34) no primeiro trimestre de 2025 cresceu 74% na comparação anual, porém ficou abaixo das expectativas do mercado financeiro.

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As ações do Nubank e o BDR ROXO34 registraram alta, apesar de o balanço ter decepcionado as projeções dos bancos Safra e Bradesco BBI.

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O Nubank apresentou melhora na inadimplência de 90 dias, mesmo com o crescimento de 4,3 milhões de clientes no trimestre.

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O lucro líquido do Nubank no trimestre veio 6% abaixo da previsão do Safra, com queda na margem financeira líquida.

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Analistas do Safra e Bradesco BBI consideraram o balanço negativo, devido à decepção com as receitas e a margem financeira líquida do Nubank.

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A melhora na qualidade de ativos foi o grande destaque positivo do balanço do Nubank, com recuo da inadimplência maior de 90 dias de 7% para 6,5%.

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A diminuição das despesas operacionais, que chegaram a US$ 3,1 bilhões, queda de 11% entre trimestres, surpreendeu positivamente os analistas.

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O Nubank pretende retomar a expansão de financiamento de seus clientes pelo Pix, o que pode levar a um crescimento em ativos de alto risco.

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Com a expectativa de crescimento no México e otimização do funding no México e na Colômbia, o Goldman Sachs manteve-se otimista com o Nubank.

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