Nubank’s credit margins increased in the fourth quarter of 2025, as Latin America’s largest fintech expanded its use of a credit model powered by artificial intelligence.
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Nubank’s AI Model Helps Fuel Net Interest Income Expansion
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Nubank, as the firm is known, said its net interest income advanced 55% year-over-year to $2.8 billion, according to results released Wednesday. The adjusted net interest margin gained 0.6 percentage points over the same period, to 10.5%. Part of the expansion was linked to the deployment of a new credit model that uses AI tools to better assess each client’s risk, Nubank said. First deployed in Brazil, the strategy increases the company’s willingness to raise limits for certain groups of borrowers. “We had our biggest market-share increase in credit cards in Brazil in the last 10 quarters,” Chief Financial Officer Guilherme Lago said in an interview before the results were published.
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