Nu Holdings (NYSE: NU) CRO reports 2,315,190 shares and stock options

Rhea-AI Filing Summary

Nu Holdings Ltd. filed an initial ownership report for Chief Risk Officer Henrique Fragelli. He reports direct ownership of 2,315,190 Class A ordinary shares, a figure that includes 1,036,545 Class A shares underlying unvested restricted share units that vest subject to continued service.

He also holds employee stock options to acquire 1,767,000 Class A shares at an exercise price of $0.2919 per share expiring on July 2, 2028, and options to acquire 594,450 Class A shares at $0.4283 per share expiring on July 1, 2029. These options are described as fully vested and exercisable.

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^*

Fragelli Henrique Camossa Saldanha

(Last) (First) (Middle)

C/O NU HOLDINGS LTD

RUA CAPOTE VALENTE, 39

(Street)

SAO PAULO 05409-000

(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 Risk 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")	2,315,190(1)	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
Employee Stock Option (right to buy)	(2)	07/02/2028	Class A Shares	1,767,000	$0.2919	D
Employee Stock Option (right to buy)	(2)	07/01/2029	Class A Shares	594,450	$0.4283	D

Explanation of Responses:

1. Figure includes 1,036,545 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.

2. The stock option to acquire Class A Shares is fully vested and exercisable.

Remarks:

Exhibit List - Exhibit 24.1 - Power of Attorney

	/s/ Beatriz Outeiro, attorney-in-fact for Henrique Camossa Saldanha Fragelli	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 Nu Holdings (NU) Chief Risk Officer report owning on this Form 3?

The Chief Risk Officer reports direct ownership of 2,315,190 Class A ordinary shares. This total includes shares underlying restricted share units and reflects his initial disclosed equity position in Nu Holdings Ltd. as an executive officer.

How many Nu Holdings (NU) RSUs are included in the CRO’s reported share total?

The reported figure includes 1,036,545 Class A ordinary shares underlying unvested restricted share units. Each RSU represents a contingent right to receive one share, subject to the executive’s continued service through the applicable vesting dates.

What stock options does the Nu Holdings (NU) Chief Risk Officer hold?

He holds fully vested employee stock options for 1,767,000 Class A shares at $0.2919 and 594,450 Class A shares at $0.4283. These options provide the right to buy shares at those exercise prices before their stated expiration dates.

When do the Nu Holdings (NU) CRO’s stock options expire?

The stock options to acquire 1,767,000 Class A shares at $0.2919 expire on July 2, 2028. The options to acquire 594,450 Class A shares at $0.4283 expire on July 1, 2029, if not exercised earlier.

Are the Nu Holdings (NU) Chief Risk Officer’s stock options vested?

Yes. The filing notes that the stock option to acquire Class A shares is fully vested and exercisable. This means the executive can choose to exercise these options at the stated exercise prices before the listed expiration dates.