Category: Neobank
Explore all posts, stories, and insights related to the category "Neobank" on Recursive Gains. Stay informed with in-depth analysis and trends.
Q2 2026
- ARTO Q2 2026 Profit Grew 49% This Half - So Why Did the Stock Just Hit a New Two-Year Low?Aug 01
- JIOFIN Q2 2026 Finally, the Segments - And Lending Is the Least Profitable OneJul 24
Q1 2026
- NU Q1 2026 Nu Says Revenue Crossed $5 Billion. Its Own Filed Statements Say $347 Million Less.May 27
- SEABANK Q1 2026 SeaBank's Best Quarter Yet Comes With a Familiar CatchMay 25
- ARTO Q1 2026 Profit Grew 42% This Quarter - So Why Did the Stock Just Crash 33%?May 06
- JIOFIN Q1 2026 The Balance Sheet That Tripled Its Leverage in One YearMay 06
Q4 2025
- SEABANK Q4 2025 Whose Money Is Actually Sitting Inside SeaBank?Apr 15
- NU Q4 2025 Nu Introduced a New P&L Framework the Same Quarter Its Growth Rate Needed FlatteringApr 14
- CHYM Q4 2025 Is the Underwriting Finally Catching Up With Growth?Apr 03
- JIOFIN Q4 2025 Why Profit Fell 61% Quarter-on-Quarter, AgainFeb 03
- ARTO Q4 2025 Bank Jago's Profit Doubled This Year - So Why Did the Stock Fall 18.7%?Jan 25
Q3 2025
- SEABANK Q3 2025 SeaBank's ROE Just Hit a Filing-History High - Its NPL Ratio Just Turned Unfavorable TooDec 10
- NU Q3 2025 Nu Deliberately Grew Into Lower-Yield Assets in Q3. Its Risk-Adjusted Margin Still Went Up.Nov 20
- CHYM Q3 2025 Why Did the Stock Fall 42% the Quarter Adjusted EBITDA Finally Turned Real?Nov 10
- ARTO Q3 2025 The Sharia Book That Collapsed in Q2 Just Grew 140% in Q3 - What Changed?Nov 07
- JIOFIN Q3 2025 The Quarter the Lending Book Grew 12xNov 04
- SUPERBANK Q3 2025 Superbank's Loan-to-Deposit Ratio Finally Eased - Right As a Shareholder Quietly Reshuffled Its StakeOct 20
Q2 2025
- SEABANK Q2 2025 SeaBank's Return on Equity Just Doubled - But Deposits Are Growing Faster Than Its Balance Sheet Can AbsorbAug 25
- NU Q2 2025 Nu's Margin Just Compressed on Funding Costs, Not Credit Risk. That's a Different Story.Aug 20
- SUPERBANK Q2 2025 Superbank Is Profitable Again - By Lending Out Almost Every Rupiah It Takes InAug 19
- CHYM Q2 2025 A $923 Million Quarterly Loss That Isn't What It Looks LikeAug 08
- ARTO Q2 2025 The Strong Operating Cash Flow Quarter Didn't Last EitherAug 04
- JIOFIN Q2 2025 The 4% Profit 'Growth' That's Actually a Bargain-Purchase Accounting GainJul 17
Q1 2025
- SUPERBANK Q1 2025 Superbank's First Profitable Quarter Came With Its Loan-to-Deposit Ratio Falling by HalfJun 06
- NU Q1 2025 Nu's Reported Revenue Growth Just Halved. The Real Number Didn't.May 13
- ARTO Q1 2025 Profit Grew 178% This Quarter - So Why Did the Stock Just Have Its Steepest Drop Since Q4 2022?May 06
- SEABANK Q1 2025 SeaBank's Loan Book Grew 10.3% in a Quarter - Its Capital Buffer Is the Thing to Watch NowApr 25
- JIOFIN Q1 2025 First Debt, First Dividend: Did FY25 Finally Turn the Story Real?Apr 17
Q4 2024
- SEABANK Q4 2024 SeaBank's Margin Is Still Enormous. Its Return on Equity Still Isn't.Apr 25
- SUPERBANK Q4 2024 Superbank's First Full-Year Report Reveals a Rp1 Trillion Asset Sale to Its Old OwnerApr 22
- NU Q4 2024 Nu's Margin Just Compressed for the First Time Since Its IPO. Should That Worry You?Feb 19
- ARTO Q4 2024 Net Income Nearly Doubled This Year - So Why Did the Stock End It Lower?Feb 03
- JIOFIN Q4 2024 The Profit 'Crash' That Happens Every December, Right on ScheduleJan 17
Q3 2024
- SEABANK Q3 2024 SeaBank's Nine-Month Profit Is Up 32%. Its Third Quarter Alone Fell.Nov 29
- NU Q3 2024 Nu Just Crossed 100 Million Customers in Brazil Alone. Is Adult-Population Saturation Actually a Problem?Nov 13
- SUPERBANK Q3 2024 Superbank Doubled Its Interest Income. Its Net Loss Still Got Worse.Nov 12
- ARTO Q3 2024 Operating Cash Flow Grew 5x This Quarter - So Why Does the Stock Still Trade at 5x Book?Nov 05
- JIOFIN Q3 2024 How Jio Financial Collects Reliance's Dividend TwiceOct 18
Q2 2024
- NU Q2 2024 Nu Paid Off Its Foreign Guaranteed Term Loans, Then Borrowed $813 Million at Home InsteadAug 27
- SEABANK Q2 2024 SeaBank's Profit Quadrupled. Its Core Lending Margin Actually Shrank.Aug 20
- ARTO Q2 2024 The Weak Operating Cash Flow Quarter Didn't Last a Second QuarterAug 05
- SUPERBANK Q2 2024 The Losses Keep Widening. The Funding Gap Is Finally Closing.Aug 05
- JIOFIN Q2 2024 Shareholders Just Waved Through a Rs. 36,000 Crore Blank ChequeJul 15
Q1 2024
- NU Q1 2024 Nu's 100-Millionth Customer Arrived Right After a Quarter That Grew Provisions for Lawsuits 70%May 29
- SEABANK Q1 2024 The Margin That Was Supposed to Be Untouchable Just CompressedMay 20
- ARTO Q1 2024 Bank Jago's Loan Book Grew 32% - And Operating Cash Flow Nearly VanishedMay 06
- SUPERBANK Q1 2024 A 28% Deposit Growth Headline Hides a 34% Quarterly DropMay 06
- JIOFIN Q1 2024 A 51x Profit Jump That Still Yields Under 1%Apr 19
Q4 2023
- SEABANK Q4 2023 A Blowout First Half, Then a 10% Drop in Full-Year ProfitApr 05
- SUPERBANK Q4 2023 A Bank Whose Loan Book Runs on Shareholder Cash, Not DepositsApr 04
- NU Q4 2023 Nu Hit $1 Billion in Annual Profit. Its Founder Called It Time to Plant, Not Harvest.Mar 04
- ARTO Q4 2023 The Sharia Wind-Down Is Basically Over - And the Conventional Bank Just Had Its Second Decent Quarter RunningFeb 05
- JIOFIN Q4 2023 The Quarter That Erased Last Quarter's 101% Profit HeadlineJan 15
Q3 2023
- NU Q3 2023 Three Straight Profitable Quarters. Nu's ARPAC Just Broke Into Double Digits.Nov 20
- ARTO Q3 2023 The Sharia Unit "Recovered" - By Shrinking Its Loan Book Nearly 60%Nov 03
- SUPERBANK Q3 2023 A New Shareholder Just Wrote a Trillion-Rupiah Check - Guess WhoNov 03
- JIOFIN Q3 2023 The Debut Quarter Where 94% of the Balance Sheet Was One StockOct 16
Q2 2023
- NU Q2 2023 Nu's Profit Just Doubled Again. So Did the Skepticism About Whether It Lasts.Aug 18
- SEABANK Q2 2023 Why a 19% Net Interest Margin Still Isn't EnoughAug 14
- SUPERBANK Q2 2023 The Loan-to-Deposit Ratio Just Hit 218% - And the Loss Kept GrowingAug 08
- ARTO Q2 2023 H1 Net Income Jumped 40% - Because The Business That Built It Just Lost MoneyAug 04
Q1 2023
- NU Q1 2023 Nu's Biggest Profit Yet. Is the Loss-Making Story Actually Over?May 16
- ARTO Q1 2023 A "Return to Profitability" That's Actually a Year-on-Year DeclineMay 08
- SUPERBANK Q1 2023 Why Does a New Digital Bank's Loan Book Already Dwarf Its Deposit Book?May 03
Q4 2022
- NU Q4 2022 Nu Reported a $298 Million Loss. Its CEO Caused It On Purpose.Feb 16
- ARTO Q4 2022 A Net-Loss Quarter Hiding Inside a Profitable YearFeb 06
Q3 2022
- NU Q3 2022 Nine Years, One Profitable Quarter - While Delinquencies Kept ClimbingNov 15
- ARTO Q3 2022 The Profit Imbalance That Kept Getting Worse Just Didn'tNov 03
Q2 2022
- NU Q2 2022 Revenue Tripled Again. Adjusted Profit Grew Just 3%. The Stock Fell Below $4 Anyway.Aug 15
- ARTO Q2 2022 A Seven-Month-Old Unit Earned 6x the Bank's Profit While the Stock Got Cut in HalfAug 02
Q1 2022
- NU Q1 2022 Nu Called Q1 2022 Its Best Quarter Ever. The Stock Fell 18% Anyway.May 16
- ARTO Q1 2022 A Profitable Quarter, Except the Core Bank Actually Lost MoneyMay 06
Q4 2021
- ARTO Q4 2021 A First Annual Profit, Mostly Manufactured By a Tax CreditMar 18
- NU Q4 2021 Turning 'Profitable' by Excluding a Quarter-Billion in Stock CompFeb 22
Q3 2021
Q2 2021
Q4 2020
- ARTO Q4 2020 A Loan Book Too New to Have Bad Loans YetApr 21
- SOFI Q4 2020 A $6.57 Billion Price Tag, Set Before a Single Share Ever TradedMar 17