The latest data point for NU's EPS Surprise % in Q4'25 shows a slight negative surprise of -0.05%, indicating that actual earnings fell marginally short of analyst expectations for the quarter. Meanwhile, the EPS Growth (YoY) for the same period stands at 0.6%, reflecting a modest year-over-year increase in earnings per share. Over the period from Q1'23 to Q4'25, EPS Surprise % has exhibited high volatility, starting with a strong positive of 71.45% in Q1'23 before fluctuating between zeros and smaller positives (e.g., 20% in Q2'24) and turning negative in Q1'25 and Q4'25, with no clear upward or downward trend overall. In contrast, EPS Growth (YoY) has shown a consistent downward trajectory, declining from a robust 4% in Q1'23 and peaking at 31% in Q3'23 to progressively lower levels, reaching just 0.6% by Q4'25, suggesting decelerating earnings momentum amid potential market or operational challenges.