Nu Holdings Ltd. (NU) Q3 2024 Earnings Call Transcript Summary
Nu Holdings Ltd. (NU) Q3 2024 Earnings Call Transcript Summary
Net income reached $553 million, and adjusted net income was $592 million, showing an 89% year-over-year increase on an FX-neutral basis.The following is a summary of the Nu Holdings Ltd. (NU) Q3 2024 Earnings Call Transcript:
以下是Nu Holdings Ltd. (NU) 2024年第三季度業績會會議紀要：
Financial Performance:
財務表現:
Nu Holdings reported a Q3 2024 revenue of $2.9 billion, marking a 56% year-over-year increase driven by cross-sell and up-sell strategies.
Gross profit was $1.3 billion, reflecting a 67% year-over-year growth, with a gross margin of 45.8%.
Net income reached $553 million, and adjusted net income was $592 million, showing an 89% year-over-year increase on an FX-neutral basis.
Nu's return on equity surpassed 30% for the first time.
Nu Holdings報告2024年第三季度營業收入爲29億，較去年同期增長56%，這得益於交叉銷售和追加銷售策略。
毛利潤爲13億，同比增長67%，毛利率爲45.8%。
淨利潤達到55300萬，經調整後的淨利潤爲59200萬，按外匯期貨中立基礎計算，同比增長89%。
Nu的股本回報率首次超過30%。
Business Progress:
業務進展：
Customer growth continued with 5.2 million new customers added during the quarter, totaling 109.7 million customers.
The company has achieved significant customer engagement, with an active user base increase of 24% year-over-year.
Key introductions include telecom services and new features in marketplace, travel, and payment sectors as part of the money platform strategy, aiming to expand into new verticals beyond financial services.
客戶增長持續，季度內新增520萬名客戶，總計10970萬名客戶。
公司實現了顯著的客戶參與，同比增長了24%的活躍用戶基礎。
關鍵的引入包括電信服務以及市場、旅遊和支付領域的新功能，作爲資金平台策略的一部分，旨在擴展到金融服務之外的新垂直領域。
Opportunities:
機會：
Continued expansion in Brazil, Mexico, and Colombia, with significant growth in customer base and financial products offerings.
The development and introduction of new marketplace, new travel, and new pay platforms expand Nu's total addressable market.
Strategic pursuit of primary banking relationships and enhancing cross-sell capabilities to boost average revenue per active customer (ARPAC).
在巴西、墨西哥和哥倫比亞的持續擴展，客戶基礎和金融產品的提供顯著增長。
新市場、新旅遊和新支付平台的開發與引入擴大了Nu的可尋址市場總量。
戰略性追求主要銀行關係，並增強交叉銷售能力，以提高每位活躍客戶的平均營業收入（ARPAC）。
Risks:
風險：
The transition to more secured lending could impact Net Interest Margins due to its lower yield compared to unsecured lending, necessitating careful management and monitoring.
轉向更安全的貸款可能會影響淨利差，因爲其收益率低於無擔保貸款，這需要謹慎管理和監控。
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：如需更全面的詳情，請參閱投資人關係網站。本文僅供投資者參考，不作任何指引或建議。
譯文內容由第三人軟體翻譯。
