As of Q4'25, NU's EPS Diluted reached 0.181 USD, marking the highest value in the period covered. Year-over-year EPS growth for the same quarter stands at 0.60%, indicating a significant slowdown compared to earlier quarters. From Q1'23 to Q4'25, NU's EPS Diluted shows a consistent upward trend, rising from 0.029 USD to 0.181 USD. However, while EPS values have steadily increased each quarter, the YoY EPS growth rate has decelerated sharply—from double-digit percentages in 2023 (peaking at 30% in Q3'23) to less than 1% in 2024 and 2025. This suggests that although profitability continues to improve, the pace of earnings growth is moderating as the company matures.