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Monthly Average Cost Per Customer
Shows the average cost incurred to serve each customer per month, highlighting efficiency and potential areas for cost reduction.Monthly cost per customer has stayed unusually stable and low through Nu’s rapid scale, implying strong operational leverage and improving unit economics when paired with rising ARPAC; that underpins management’s push into international expansion and AI. Still, the 2026 “inflection year” plan signals near‑term upward pressure from return‑to‑office and AI/global hiring that could nudge unit costs higher over the next 4–6 quarters, though management expects medium‑term offset from higher monetization and scale if customer engagement and credit trends persist.
Date | Monthly Average Cost Per Customer |
|---|---|
Jun 30, 2026 | $1.00 |
Mar 31, 2026 | $1.00 |
Dec 31, 2025 | $0.80 |
Sep 30, 2025 | $0.90 |
Jun 30, 2025 | $0.80 |
Mar 31, 2025 | $0.70 |
Dec 31, 2024 | $0.80 |
Sep 30, 2024 | $0.70 |
Jun 30, 2024 | $0.90 |
Mar 31, 2024 | $0.90 |