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Analyst
Eduardo Rosman
Period: Reporting periods mapped to calendar 2024 Q4 – 2026 Q2 (7 quarters; questions recorded in 6).
- Questions
- 6on tracked calls
- Challenge rate
- 0%none of 6 questionsLimited sample
- Companies
- 1questioned at least once
- Reporting periods
- 6with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right. See how we grade analysts on earnings-call questions.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 6 of 6 questions from 1 company
NUNu Holdings Ltd.6 questions · 6 reporting periods · 0 of 6 challenging
Calendar 2026 Q2
how do you believe you can help OpenAI, but more importantly, how this experience might help you here at Nubank?
Show response
David declined OpenAI specifics ('not OpenAI's earnings call') but framed AI as the most important tech transformation and the board seat as a source of insight.
Calendar 2026 Q1
I do see local Brazilian investors today being much more constructive than the foreigners regarding the investment story
Show response
Lago declined to segregate local vs foreign views and named the three recurring investor themes: asset quality, US/international expansion, and AI's role in banking.
Calendar 2025 Q4
do you see a risk that Nu could be disrupted by AI? Or do you see Nu as a potential winner in this transformation?
Show response
David framed AI as both a challenge and an opportunity, arguing credit revenue is the most defensible in financial services and Nu is positioned to be a winner.
Calendar 2025 Q2
In recent months, we have seen important changes, right, in the management team
Show response
Velez framed the leadership additions (ex-central-bank governor, new CTO and CDO) as building a world-class team for the next 5-10 years and future internationalization; direct.
Calendar 2025 Q1
Is it fair to say that maybe Brazil and Mexico are maybe, I know that they are the priorities
Show response
Rosman probed strategic priorities after David's podcast remarks; David reaffirmed Brazil, Mexico and Colombia as the focus, framing internationalization as a small-allocation, five-to-ten-year effort.
Calendar 2024 Q4
Do you believe you can achieve the same level of outperformance as you did in credit cards?
Show response
Youssef expects Nu's credit-underwriting outperformance to extend to unsecured loans as repeat usage and performance data sharpen risk assessment.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| NU Nu Holdings Ltd. | 6 | 0%none of 6 questions |
- NUNu Holdings Ltd. · 6 questions0%none of 6 questions
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2024 Q4 | 1 | 0%none of 1 question | 1 |
| 2025 Q1 | 1 | 0%none of 1 question | 1 |
| 2025 Q2 | 1 | 0%none of 1 question | 1 |
| 2025 Q3 | No questions recorded | — | — |
| 2025 Q4 | 1 | 0%none of 1 question | 1 |
| 2026 Q1 | 1 | 0%none of 1 question | 1 |
| 2026 Q2 | 1 | 0%none of 1 question | 1 |
- 2024 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q11 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q21 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q3No questions recorded
- 2025 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q11 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q21 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Cloud & AI3
- Geographic Expansion3
- Innovation & R&D2
- Competitive Dynamics1
- Credit1