As of Q4'25, NU's EPS Surprise % stands at approximately -4.9%, indicating a slight underperformance relative to analyst expectations in the most recent quarter. Meanwhile, EPS Growth (YoY) for the same period is 60%, reflecting a strong year-over-year improvement in earnings per share. Over the period from Q1'23 to Q4'25, the EPS Surprise % has shown considerable volatility, with notable positive surprises in Q1'23 (71.5%) and Q2'24 (20%), but also several quarters at or near zero and two periods of negative surprises in Q1'25 and Q4'25. In contrast, EPS Growth (YoY) peaked sharply at 31% in Q3'23 before gradually declining to single-digit percentages, though it rebounded to 60% in Q4'25. This suggests that while earnings growth remains robust, the company has struggled to consistently exceed market expectations in recent quarters. The chart covers quarterly data from Q1'23 through Q4'25.