智通财经APP获悉，周五，Nu Holdings(NU.US)大涨超11%，创一年来最大单日涨幅，现报15.49美元。Nu Holdings 股价大幅飙升，主要受上一交易日盘后发布的极其亮眼的2026财年第二季度业绩推动。这家拉美数字银行巨头报告称，其单季度净利润首次突破10亿美元，同比增长49%，轻松超越市场一致预期。营收增长同样强劲，总营收击败华尔街预期，每股收益亦优于预期。这一优异的财务表现与前几个季度信贷成本阴霾笼罩的状况形成了鲜明反转，为股价的大幅重估提供了直接的基本面支撑。
看涨势头背后的一个关键催化剂是利润率的显著扩大和信贷质量的企稳。受环比信贷成本下降以及早期逾期指标改善的提振，风险调整后的净息差扩大至历史新高，缓解了市场对不良贷款的担忧。运营指标进一步凸显了该平台的复合效率优势，全球客户数量增至近1.39亿，同时活跃客户月均收入和用户活跃度持续上升。管理层在增效方面的努力，配合新股票回购计划的发布，进一步展现了严谨的资本纪律与长期信心。
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