Key Highlights
- Nubank commits approximately BRL 45 billion ($8.2 billion) to Brazilian operations in 2026, representing nearly twice the investment level from 24 months prior.
- Capital allocation focuses on artificial intelligence, product innovation, infrastructure growth, and expanding financial services.
- The digital bank serves 113 million Brazilian customers, capturing more than 60% of the nation’s adult demographic.
- Nu Holdings reported record 2025 revenue of BRL 91 billion, representing a 45% surge on a currency-adjusted basis.
- The fintech leader is actively seeking full banking authorization in Brazil throughout 2026 and recently became a Febraban member.
On Monday, Nubank revealed its intention to deploy roughly BRL 45 billion ($8.2 billion) across Brazilian operations throughout 2026. This investment level represents an approximate doubling compared to allocations made two years earlier.
According to company statements, these funds will be channeled into four strategic priorities: artificial intelligence-powered credit assessment systems, innovative financial service offerings, physical and personnel infrastructure expansion, and fortifying its lending capabilities.
Brazil represents Nubank’s primary operational territory. The platform serves 113 million users within the country — accounting for over 60% of Brazil’s adult population.
The comprehensive investment encompasses reinvested earnings, technological infrastructure development, operational expenditures, and tax obligations paid domestically.
Nu Holdings concluded 2025 with aggregate revenue reaching BRL 91 billion ($16.3 billion), marking a 45% climb when adjusted for currency fluctuations. Net profit reached BRL 16.2 billion ($2.9 billion), while return on equity registered at 33% — both representing all-time company highs.
The lending portfolio expanded 40% year-over-year to BRL 179.7 billion. Customer deposits climbed 29% to BRL 230.3 billion.
Monthly user engagement reached 86%, which the company characterized as unprecedented for Brazil’s financial services industry.
Pursuing Full Banking Authorization
Nubank is actively pursuing comprehensive banking licensure in Brazil during 2026. Supporting this objective, the company became a member of Febraban — Brazil’s Banking Federation — in recent weeks.
CEO Livia Chanes characterized the capital commitment as demonstrating the organization’s enduring dedication to Brazil. “This investment is the concrete expression of our commitment to being Brazilians’ main financial ally,” she stated.
Founder and global CEO David Vélez emphasized the wider economic impact. He noted that customers collectively avoided approximately $28.1 billion in charges they would have incurred with conventional banking institutions.
Financial Access Metrics
Approximately 37 million individuals throughout Latin America gained access to formal banking services via Nubank. This figure comprises 31.5 million in Brazil, 4.7 million in Mexico, and nearly 1 million in Colombia.
Nubank also provided 28.4 million users with their initial credit card. Within Brazil specifically, this figure totals 18.4 million.
Forbes designated Nubank as Brazil’s top-ranked bank this month, determined through consumer polling. The company also maintains among the sector’s lowest customer complaint ratios, according to Central Bank of Brazil data.
Beyond Brazilian borders, the organization is pursuing expansion in Mexico, where it supports 15 million users, and Colombia, which currently exceeds 4 million customers.
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