As of Q4'25, NU reported net income of USD 892M, marking the highest value in the period covered. The year-over-year (YoY) growth rate for this quarter stands at 61.5%, indicating a significant acceleration compared to recent quarters. From Q1'23 to Q4'25, NU's net income demonstrated a strong upward trend, rising from USD 142M to USD 892M. While the YoY growth rate peaked at 37.7% in Q3'23, it gradually declined through 2024, reaching a low of 0.3% in Q2'25 before rebounding in the latter half of 2025. This pattern suggests sustained net income growth with some moderation in growth rates, followed by renewed momentum towards the end of the period.