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Analyst
Yuri Fernandes
Period: Reporting periods mapped to calendar 2024 Q4 – 2026 Q2 (7 quarters).
- Questions
- 8on tracked calls
- Challenge rate
- 13%1 of 8 questionsLimited sample
- Companies
- 1questioned at least once
- Reporting periods
- 7with 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 8 of 8 questions from 1 company
NUNu Holdings Ltd.8 questions · 7 reporting periods · 1 of 8 challenging
Calendar 2026 Q2
can you share any market share you have today and any goal you have for this segment?
Show response
David said Nubank already has three of five Brazilians in the super-core bracket, framing the opportunity as deepening share of wallet rather than acquisition.
trying to congratulate you on the $1 billion, but I also ask how to keep growing this sizable profitability.
Show response
David pointed to ARPAC upside (13 to 17, incumbents at 40-45), Mexico and Colombia expansion, better segmentation (Croma), and the SME opportunity.
Calendar 2026 Q1
is Nubank being a little bit more conservative and building more reserves
Show response
Lago directly rebutted the worsening-outlook read: provisioning method is unchanged and always assumes the future will be worse than the past; no directional credit-cycle call.
Calendar 2025 Q4
I would like to understand what drove the lower accounting tax, if this was the DTA?
Show response
Lago attributed the lower effective tax rate to a nonrecurring ~$58 million DTA remeasurement following the fintech corporate-tax increase, plus recurring technology-investment tax breaks.
Calendar 2025 Q3
investors, they will try to understand the lower provisions this quarter that helped on EBIT
Show response
Lago tied lower provisions to better-than-expected asset quality and a customer-reactivation recovery program, but declined to quantify the one-off recovery impact.
Calendar 2025 Q2
The only thing that caught my attention, Lago, was a higher Stage 3 formation, up quarter-over-quarter
Show response
Lago said higher Stage 3 formation is almost entirely Q1 seasonal delinquency flowing into Q2 and reiterated conservative, stress-tested underwriting; direct.
Calendar 2025 Q1
just checking, you know, why is, you know, building, why Nu Bank is building more coverage for Stage 2.
Show response
Fernandes asked why Stage 2 coverage rose; Youssef cited Q1 seasonality plus a relative-trigger recalibration that pulled some loans out of Stage 1, with aggregate coverage up about 5%.
Calendar 2024 Q4
where is the growth coming from, right? Is this a higher-duration strategy? Are you going to new customers?
Show response
Jag attributed growth to a higher mix of repeat borrowers, better credit modeling enabling larger loans at lower rates, and expansion into high-income and small-business segments.
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. | 8 | 13%1 of 8 questions |
- NUNu Holdings Ltd. · 8 questions13%1 of 8 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 | 1 | 0%none of 1 question | 1 |
| 2025 Q4 | 1 | 0%none of 1 question | 1 |
| 2026 Q1 | 1 | 100%1 of 1 question | 1 |
| 2026 Q2 | 2 | 0%none of 2 questions | 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 Q31 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q11 question · challenge rate 100% (1 of 1 question) · 1 company
- 2026 Q22 questions · challenge rate 0% (none of 2 questions) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Credit5
- Margin2
- Competitive Dynamics1
- Product Launch1
- Revenue Growth1
- Geographic Expansion1
- Macroeconomic1
- Regulation Policy1