Nu Holdings Ltd. (NU) stock is surging 13.49% in pre-market trading on Friday, following the release of its impressive second-quarter financial results for 2025. The Latin American digital banking platform demonstrated robust growth across key metrics, significantly outperforming market expectations.

Nu Holdings reported a net profit of $637 million for the second quarter, marking a substantial 42% increase year-over-year on a foreign exchange-neutral basis. The company's revenue also saw a strong uptick, reaching $3.7 billion, up 40% compared to the same period last year. These results exceeded analyst estimates, with earnings per share of $0.13 surpassing the expected $0.12.

The fintech giant continued to expand its customer base, adding 4.1 million new customers in Q2 to reach a total of nearly 123 million across Brazil, Mexico, and Colombia. This growth, coupled with high customer engagement, drove the company's Monthly Average Revenue per Active Customer (ARPAC) to cross the $12 mark for the first time, reaching $12.2. Nu Holdings also maintained a solid financial position with an annualized return on equity of 28%. The strong performance across multiple fronts has clearly boosted investor confidence, leading to the significant pre-market rally.