Nubank Sees More Customers Delaying Debt Payments in Brazil, Especially Those Who Go Over 90 Days Without Paying

Written by Bruno Teles

Published on 14/08/2025 at 20:33

Nubank tem alta na inadimplência no Brasil, mas diz que todos os ativos performam conforme o previsto nos três países em que atua

657 pessoas reagiram a isso.

Nubank Sees Rise in Delinquencies in Brazil But Maintains Credit Expansion Plans Through Year-End. Fintech Recorded Increase in Delays Beyond 90 Days But Bets on Adjustments in Credit Model to Sustain Growth

Nubank Sees Rise in Delinquencies in Brazil but claims it will continue its strategy of expanding credit offerings until December. In the second quarter, the delinquency rate for delays over 90 days rose to 6.6%, an increase of 10 basis points compared to the first three months of the year, according to data released this Thursday (14) by the institution. Despite the deterioration, the company highlighted that the indicators remain within analysts’ expectations.

Delays between 15 and 90 days decreased to 4.4%, while the macroeconomic scenario considered challenging has not significantly impacted the credit portfolio. The fintech operates in Brazil, Mexico, and Colombia and sees room to increase limits and serve more clients, especially in its largest market: Brazil.

Credit Quality Under Pressure

The rise in delinquencies accompanies a broader movement in Brazil. According to the Central Bank, the delinquency rate for individuals reached 4.3% in June, 0.7 percentage points higher than the previous year. Credit cards and personal loans, two of Nubank’s main products, lead the decline in these indices.

ARTICLE CONTINUES BELOW

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

The Technical Agenda and the Fair in the City of Macaé Should Boost Discussions on Investments, Energy Transition, and Development of the Oil, Gas, and Energy Chain in the National...

Paulo Nogueira

Even with the adverse scenario, the company states that “all asset classes are performing equally or better than expected” in the three countries where it operates. To sustain this resilience, the institution adjusted its credit granting model for about one-third of its customer base in Brazil, allowing for selective limit increases.

Growth Strategy

The goal is to apply this new model to the entire Brazilian portfolio by the end of the year. The approach seeks to balance expansion and risk control, maintaining profitability and avoiding abrupt increases in provisions for losses.

Despite the rise in delinquencies, Nubank maintains a positive business outlook. With a market value of US$ 57.6 billion, the fintech recently lost its title as the most valuable bank in Latin America to Itaú but remains among the most relevant financial institutions in the region.

Changes in Leadership and Market Reactions

The year 2025 has also been marked by high-profile executive departures, including Chief Technology Officer (CTO) Vítor Olivier and Chief Operating Officer (COO) Youssef Lahrech. These changes draw attention from investors but have not altered the recovery of the stock, which has gained 15% this year.

The stocks are recovering from sharp declines recorded in February, when the fintech lost US$ 12 billion in market value after results fell below expectations in the fourth quarter of 2024. Since then, confidence has been rebuilt with numbers aligned with projections.

In your opinion, is Nubank’s strategy to continue expanding credit despite rising delinquencies a sign of confidence or an unnecessary risk? Share your thoughts in the comments.

5 Comentários

Mais recente

Mais antigos Mais votado

Feedbacks

Visualizar todos comentários

Lih

#158530

17/08/2025 08:38

Nao é de hoje, que a analise de credito no Brasil tem sido uma ****. Com a imllantacao do score, tem tirado oportunidade de investidores e consumidores potencial para dar na mao de recem chegados no mercado. Aume tando a inadimplencia, e estagnando o mercado. A analise feita para concessao de credito precisa ser revista urgentemente. So passar nas casas bahia, marabraz da vida. Vendas de veiculos que e nitido o vazio. Bens que antes era simples conseguir, hoje em dia se tornou extremamente dificeis. Ter nome limpo, renda ja nao e o suficiente. Anitta nao conseguiria credito. E acreditam e tentam sustentar que nao existe nada de errado!

Responder

Maurício

#158474

17/08/2025 05:01

Sinal de confiança

Responder

Eduardo Costa da Silva

#158404

16/08/2025 21:54

Bom tenho uma boa relação com a instituição, saber equilibra os gastos financeiros, organizando as questões que a própria instituição te dar como opção faz bem para saúde financeira, isso aprendi com a mesma, estou aprendendo administrar melho, um banco que confiou mesmo eu estando inadimplente com outros bancos, não por minha culpa, hoje trabalho com essa conta é não empresto meu nome a mas ninguém fico sendo fiel mesmo achando as taixas de juros altas, e sou agradecido, e uma pena que no Brasil temos estes costumes de ser infiel as instituições que nos ajuda a melhorar de vida

-1

Responder

Nubank Sees More Customers Delaying Debt Payments in Brazil, Especially Those Who Go Over 90 Days Without Paying

Nubank Sees Rise in Delinquencies in Brazil But Maintains Credit Expansion Plans Through Year-End. Fintech Recorded Increase in Delays Beyond 90 Days But Bets on Adjustments in Credit Model to Sustain Growth

Credit Quality Under Pressure

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

Growth Strategy

Changes in Leadership and Market Reactions

For 45 years, Spain and Morocco have been trying to connect Europe to Africa through a project of just 14 kilometers in the Strait of Gibraltar, and an active tectonic fault on the seabed continues to make the project nearly impossible.

At just 14 years old, a boy creates a system without energy, using steel pipes buried in the ground, that irrigates seedlings with moisture from the air, to combat the water scarcity threatening reforestation in northern China.

Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

The 8-meter robot submarine that reaches 6,000 meters in depth: Dive-XL will be used by the U.S. Navy to launch underwater drones on a large scale.

Grupo Bravante offers an offshore position on a 14×14 schedule for those who want to work on board in SP.

Former president of IBP highlights that dependence on diesel imports pressures prices in Brazil, increases vulnerability to global crises, and underscores the need for more robust and sustainable energy policies.

With a wingspan of over 2.5 meters, the Himalayan vulture (Gyps himalayensis) inhabits the high regions of Nepal, India, and China, where the cold and thin air challenge life.

Grupo Bravante offers an offshore position on a 14×14 schedule for those who want to work on board in SP.

Minas Gerais reaches a historic record and surpasses the power of Itaipu, but network costs generate debate: Understand why solar energy in MG impacts the electricity bill of those without panels.

The Brazilian city has 319 crooked buildings built on sandy soil without proper deep foundations, houses the largest beach garden in the world, with over 5 km, and is still considered the birthplace of surfing — meet Santos, in São Paulo.

New Zealand builds a shimmering building that vibrates, featuring a 62-seat cinema, moving sculptures, and an environment where sound, light, and energy are felt in the body.

BRICS is building its own payment system that could be operational by 2030, and experts say it could increase trade between the countries by up to 10% per year and add 3% to the GDP of each member of the bloc.

Nubank Sees More Customers Delaying Debt Payments in Brazil, Especially Those Who Go Over 90 Days Without Paying

Nubank Sees Rise in Delinquencies in Brazil But Maintains Credit Expansion Plans Through Year-End. Fintech Recorded Increase in Delays Beyond 90 Days But Bets on Adjustments in Credit Model to Sustain Growth

Credit Quality Under Pressure

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

Growth Strategy

Changes in Leadership and Market Reactions

For 45 years, Spain and Morocco have been trying to connect Europe to Africa through a project of just 14 kilometers in the Strait of Gibraltar, and an active tectonic fault on the seabed continues to make the project nearly impossible.

At just 14 years old, a boy creates a system without energy, using steel pipes buried in the ground, that irrigates seedlings with moisture from the air, to combat the water scarcity threatening reforestation in northern China.

Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

The 8-meter robot submarine that reaches 6,000 meters in depth: Dive-XL will be used by the U.S. Navy to launch underwater drones on a large scale.

Grupo Bravante offers an offshore position on a 14×14 schedule for those who want to work on board in SP.

Former president of IBP highlights that dependence on diesel imports pressures prices in Brazil, increases vulnerability to global crises, and underscores the need for more robust and sustainable energy policies.

With a wingspan of over 2.5 meters, the Himalayan vulture (Gyps himalayensis) inhabits the high regions of Nepal, India, and China, where the cold and thin air challenge life.

BRICS is building its own payment system that could be operational by 2030, and experts say it could increase trade between the countries by up to 10% per year and add 3% to the GDP of each member of the bloc.

Government suspends over 3 million traffic fines in Brazil and drivers breathe a sigh of relief.

Iran has just approved toll charges for ships in the Strait of Hormuz and has completely prohibited the passage of vessels from the United States and Israel in the world’s most important maritime route for the global energy market.

Government cancels R$ 25 million “celebration” for Brasília’s anniversary and allocates funds to health.

Winning money seems like a dream, but it can quickly turn into a nightmare when financial success awakens envy, demands, and opportunism from all sides; this was the case with Jack Whittaker, who won $315 million in 2002 and ended up alone, bankrupt, and devastated.

Grupo Bravante offers an offshore position on a 14×14 schedule for those who want to work on board in SP.

Minas Gerais reaches a historic record and surpasses the power of Itaipu, but network costs generate debate: Understand why solar energy in MG impacts the electricity bill of those without panels.

The Brazilian city has 319 crooked buildings built on sandy soil without proper deep foundations, houses the largest beach garden in the world, with over 5 km, and is still considered the birthplace of surfing — meet Santos, in São Paulo.

New Zealand builds a shimmering building that vibrates, featuring a 62-seat cinema, moving sculptures, and an environment where sound, light, and energy are felt in the body.

BRICS is building its own payment system that could be operational by 2030, and experts say it could increase trade between the countries by up to 10% per year and add 3% to the GDP of each member of the bloc.