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Nu Holdings Ltd. filings document a foreign private issuer that operates Nubank as a digital financial services platform. Its Form 20-F annual reports and Form 6-K current reports cover IFRS consolidated financial statements, operating and financial review, risk factors, earnings releases, investor presentations and audited results for the company and its subsidiaries.
The filing record also includes supplementary managerial P&L reconciliations, independent assurance materials and current reports on regulatory licensing and charter developments. These disclosures address customer growth, credit and payments activity, capital and liquidity requirements, governance and the regulatory framework for Nu's operations in Brazil, Mexico, Colombia and other expansion markets.
Nu Holdings Ltd. director Anita M. Sands sold 21,000 Class A ordinary shares in an open-market transaction on May 15, 2026 at a weighted average price of $12.2401 per share.
After this sale, she holds 162,150 Class A shares, which include 6,982 Class A shares underlying unvested Restricted Share Units that will vest only if her service with the company continues.
Nu Holdings presents a Q1 2026 Managerial P&L, a supplementary view built from its IFRS statements, and an independent limited assurance report from KPMG on the compilation process. Managerial total revenue reached 5,315.5 million U.S. dollars and net income was 871.4 million U.S. dollars, both higher than Q1 2025.
Revenue came mainly from credit income of 3,173.3 million U.S. dollars, float income of 1,383.0 million U.S. dollars, and fee income of 759.1 million U.S. dollars. After total direct costs of 3,437.7 million U.S. dollars and operating expenses of 647.6 million U.S. dollars, earnings before tax were 1,229.1 million U.S. dollars.
The report explains how accounting results are reclassified into managerial lines through presentation changes and tax-equivalency adjustments that do not change IFRS net income, cash flows, equity, or regulatory capital. KPMG concludes that nothing came to its attention indicating the managerial information is not properly prepared in all material respects under Nu’s internal policy.
Nu Holdings reported strong Q1 2026 growth while investing heavily in AI and new markets. Total revenue reached $5.32 billion, up 42% year over year, as the customer base expanded to 135.2 million across Brazil, Mexico, and Colombia. Net income rose to $871.4 million, up 41% year over year, delivering a return on equity of 29%.
Engagement continued to deepen, with Monthly Average Revenue per Active Customer climbing to $15.9, up 23% year over year, and the efficiency ratio improving to 17.6% from 21.4% a year earlier. Nu’s credit portfolio grew to $37.2 billion, up 40% year over year, while deposits reached $42.4 billion, up 22%.
Asset quality showed mixed trends: early-stage NPL 15–90 rose to 5.0% from 4.1% in Q4 2025, mainly from seasonality and deliberate expansion into higher-risk segments, while 90+ NPL edged down to 6.5%. Nu highlighted rapid progress in its AI transformation, with its NuFormer foundation models and AI Private Banker already supporting millions of users, and confirmed disciplined, efficiency-ratio–capped expansion into the United States.
Nu Holdings Ltd. reported strong Q1 2026 results, with managerial total revenue of $5.32B and net income of $871.4M. Revenue rose from $3.37B a year earlier, while gross profit reached $1.88B.
Net interest income was $3.25B and credit loss allowance expenses were $1.79B, supporting a net interest margin of 21.1% and risk‑adjusted NIM of 9.5%. Net revenues of $3.67B against operating expenses of $648M produced a reported efficiency ratio of 17.6%, reflecting a low-cost operating model.
Net income of $871.4M translated into annualized ROE of 29% and adjusted ROE of 31%. Deposits totaled $42.4B and the total credit portfolio was $37.2B, while a capital position of $9.4B and available funding of $39.1B indicate ample capacity to support growth and expansion.
Nu Holdings Ltd. reported sharply higher first-quarter 2026 results, with total revenue of $4,967,967 thousand, up from $3,247,689 thousand a year earlier. Net income rose to $871,431 thousand from $557,208 thousand, and diluted earnings per share increased to $0.1776 from $0.1139.
Growth was driven by strong expansion in interest income from credit cards and loans, alongside higher fee and commission income. The credit portfolio continued to scale, with credit card receivables of $24,301,844 thousand and loans to customers of $12,904,339 thousand, while the Group maintained sizeable loss allowances.
Total assets reached $77,456,407 thousand as of March 31, 2026, with deposits of $42,448,121 thousand supporting funding. During the period, Nu also received conditional approval from the U.S. Office of the Comptroller of the Currency to form a national bank, consistent with its strategy to expand products and operations in the United States.
Nu Holdings Ltd. Chief Risk Officer Henrique Fragelli Camossa Saldanha reported a routine tax-related share disposition. On April 23, 2026, 11,991 Class A shares were withheld to cover tax obligations at $14.44 per share. After this transaction, he directly holds 1,214,649 Class A shares, including 992.942 unvested RSUs that depend on continued service. He also has an indirect interest in 3,450,000 Class A shares held by HFRN Investments Inc. and disclaims beneficial ownership of those securities except to the extent of his pecuniary interest.
Nu Holdings Ltd. Chief Financial Officer Lago Guilherme Marques reported a tax-related share disposition. On the transaction date, 24,348 Class A ordinary shares were withheld at $14.44 per share to cover a tax liability, rather than being sold on the open market.
After this withholding, Marques directly held 6,976,027 Class A shares. A filing footnote states this figure includes 4,791,162 Class A shares underlying unvested Restricted Share Units, which will vest only if his service with the company continues through each vesting date.
Nu Holdings Ltd. executive Cristina Helena Zingaretti Junqueira reported updated holdings in Class A Shares. The filing shows a tax-withholding disposition of 8,264 Class A Shares at $14.44 per share to satisfy tax obligations, rather than an open-market sale. After this, she directly holds 2,615,131 Class A Shares, which includes 1,264,946 Class A Shares underlying unvested Restricted Share Units associated with prior grants. She also reports additional indirect holdings through an estate planning vehicle and family trusts.
Nu Holdings Ltd. Chairman and CEO David Vélez Osorno reported routine share-related updates. A total of 45,690 Class A ordinary shares were disposed of at $14.44 per share as a tax-withholding disposition, tied to equity compensation rather than an open-market sale. Following this, he directly holds 6,205,071 Class A Shares. He also has an indirect interest in 698,914 Class A Shares held by Rua California Ltd., while disclaiming beneficial ownership beyond his pecuniary interest. The filing notes that the direct figure includes 3,480,811 unvested RSUs, each representing a contingent right to receive one Class A Share, which remain subject to continued service-based vesting.