Nu Holdings (NYSE: NU) CTO discloses direct and trust share interests

Rhea-AI Filing Summary

Nu Holdings Ltd. Chief Technology Officer Eric Young filed an initial ownership report for Class A ordinary shares. The filing lists 407,860 shares held indirectly through a family trust, where he disclaims beneficial ownership except for any pecuniary interest, and 4,948,232 Class A shares underlying unvested restricted share units that vest only with continued service.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Young Eric

(Last) (First) (Middle)

C/O NU HOLDINGS LTD

RUA CAPOTE VALENTE, 39

(Street)

SAO PAULO 90405

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026

3. Issuer Name and Ticker or Trading Symbol
Nu Holdings Ltd. [ NU ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Technology Officer

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Class A ordinary shares ("Class A Shares")	407,860	I	By Family Trust(1)
Class A Shares	4,948,232(2)	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The reporting person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein.

2. Figure includes 4,948,232 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Remarks:

Exhibit List - Exhibit 24.1 - Power of Attorney

	/s/ Beatriz Outeiro, attorney-in-fact for Eric Christopher Young	03/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does Eric Young’s Form 3 filing show for Nu Holdings (NU)?

The Form 3 shows Nu Holdings CTO Eric Young’s initial ownership in Class A ordinary shares, including 407,860 shares held via a family trust and 4,948,232 shares underlying unvested RSUs that depend on his continued service to vest.

How many Nu Holdings (NU) shares are reported through the family trust?

The filing reports 407,860 Class A ordinary shares held indirectly through a family trust. Eric Young disclaims beneficial ownership of these securities except to the extent of his pecuniary interest, meaning his economic stake may be smaller than the full reported amount.

What are the 4,948,232 Nu Holdings (NU) shares tied to Eric Young?

The 4,948,232 Class A ordinary shares are underlying unvested restricted share units (RSUs) from prior grants. Each RSU represents a contingent right to receive one share and will only be delivered if Eric Young continues his service through the applicable vesting dates.

Does Eric Young have direct ownership in Nu Holdings (NU) shares?

Yes. The filing indicates direct ownership of 4,948,232 Class A ordinary shares, which are all underlying unvested RSUs. Although classified as direct, these shares are not yet issued; they represent a right to receive shares contingent on future vesting conditions.

Are there any buy or sell transactions in Eric Young’s Nu Holdings (NU) Form 3?

The Form 3 is an initial ownership statement and does not list any explicit buy or sell transactions. Instead, it records Eric Young’s existing indirect holdings via a family trust and his direct interest in unvested RSUs tied to future vesting requirements.

What does it mean that Eric Young disclaims beneficial ownership in some Nu (NU) shares?

He disclaims beneficial ownership of the family trust shares except for any pecuniary interest. This means he reports the 407,860 trust-held shares but states he should only be considered to benefit from them to the extent he has an actual economic stake in those securities.