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Brazilian Fintech Reaches Historic Value and Consolidates Leadership in the Country, Driven by Record Profits and International Expansion.
The Nubank, founded in 2013 by David Vélez, Cristina Junqueira, and Edward Wible, has reached an unprecedented milestone in the financial sector. On October 28, 2025, according to Companies Market Cap, the fintech reached US$ 76.5 billion in market value — equivalent to R$ 412.7 billion at the exchange rate on that date. Thus, the digital bank surpassed Petrobras and became the most valuable company in Brazil, also holding the second position in Latin America, only behind Mercado Livre, valued at around US$ 89 billion.
Moreover, this advancement occurs amid the brand’s international expansion, especially in Mexico and Colombia, which strengthens the power of Latin American fintechs and the transformation of the traditional banking system. Meanwhile, Petrobras, listed on the B3, is valued at approximately R$ 401 billion, pressured by the instability of oil prices and the fluctuation of global commodities.
Accelerated Growth and Global Domination of the Fintech
The trajectory of Nubank is marked by consistent and sustained growth. In September 2025, the digital bank had already surpassed Itaú Unibanco, currently valued at R$ 391 billion. Now, on the global stage, Nubank ranks among the 40 largest banks in the world, surpassing traditional institutions such as BNY Mellon (US$ 75.6 billion), Barclays (US$ 75 billion), and Deutsche Bank (US$ 66.4 billion).
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On the other hand, traditional Brazilian banks appear lower on the list: Bradesco, with US$ 33 billion, and Banco Santander Brazil, with US$ 41 billion. Thus, these numbers highlight the digital revolution led by the fintech and the strengthening of Latin America in the global financial market.
Record Profits and Valuation on International Stock Markets
Even with a slight drop of 0.44% in the trading session of October 28, 2025, when shares closed at US$ 15.93, Nubank has accumulated a 54% increase for the year, according to the New York Stock Exchange (NYSE). This performance, therefore, reflects an efficient business model based on innovation, technology, and customer loyalty.
However, the highlight of the second quarter of 2025 was the record net profit, which drove a series of positive recommendations from major financial institutions. JP Morgan, for example, maintained its Overweight (buy) rating and projected that Nubank could reach US$ 140 billion in market value. Thus, this level would place the company alongside giants like Pfizer, BHP Group, and TotalEnergies.
Optimistic Expectations for the Third Quarter
With this, the disclosure of the third quarter earnings report for 2025, scheduled for November 13, generates high expectations among investors and analysts. According to XP Investments, Nubank is expected to present another solid result, driven by profit growth in Brazil and expansion of operations in Mexico.
Additionally, experts claim that the digital bank stands out for its operational efficiency, cost control, and product diversification, which strengthen its position in the market and enhance its potential for future valuation. In this way, Nubank continues to attract investors and consolidates its reputation as one of the most promising fintechs in the world.
The Impact and the Future of the Most Valuable Company in the Country
Therefore, the surpassing of Petrobras represents a symbolic turning point in the Brazilian market and reflects the ongoing digital transformation in the financial system. At the same time, Nubank’s achievement demonstrates the advancement of technology companies in sectors previously dominated by state corporations.
Currently, the fintech is consolidating as a symbol of the new economy, based on technology, accessibility, and financial inclusion. With this, the leadership in Brazil and the vice-leadership in Latin America transform Nubank into a global reference and inspiration for new companies.
However, experts warn that the major challenge will be maintaining the pace of growth in an uncertain global scenario, with currency fluctuations and regulatory changes. Still, the fintech demonstrates resilience and adaptability, characteristics that reinforce its prominent position in the international market.
In light of this scenario, an inevitable question arises: will Nubank be able to maintain its pace and become the largest company in Latin America in the coming years?
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