Fintech Q3 results highlight growth, profitability and local-market risks

Nu reported $1.09 billion in Q3 net income, up 39.5% year over year, and added 3.7 million customers despite slight revenue and EPS misses. Dlocal grew revenue 41%, operating profit 37%, and TPV 77%, though revenue slightly missed and some cash-flow benefit may reverse. Coinbase’s trust-bank approval and payment integrations still need evidence of adoption and financial contribution.