Nu Holdings' Eric Young delivered or withheld 491K shares

The reported direct position includes 4,059,399 shares underlying unvested RSUs, subject to continued service through the vesting date.

Rhea-AI Filing Summary

Nu Holdings Ltd. Chief Technology Officer Eric Young reported 491,141 Class A shares delivered or withheld for payment of exercise price or tax liability on October 23, 2026. His reported direct position after the transaction was 4,457,091 Class A shares, including 4,059,399 shares underlying unvested Restricted Share Units that are subject to continued service through the vesting date. A Family Trust held 407,860 Class A shares; Young disclaims beneficial ownership of those securities except to the extent of his pecuniary interest.

Insider Trade Summary

Exercise Price or Tax Liability: 491,141 shares

Exercise Price or Tax Liability 2 txns

Insider Young Eric

Role Chief Technology Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A ordinary shares ("Class A Shares") F1	491,141	$13.29	$6.53M
holding	Class A Shares F2	--	--	--

Holdings After Transaction: Class A ordinary shares ("Class A Shares") — 4,457,091 shares (Direct); Class A Shares — 407,860 shares (Indirect, By Family Trust)

Footnotes (2)

1. F1. Figure includes 4,059,399 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.
2. F2. The reporting person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein.

Key Figures

Shares delivered or withheld: 491,141 shares Reported per-share price: $13.29 per share Direct position after transaction: 4,457,091 Class A shares +2 more

5 metrics

Shares delivered or withheld 491,141 shares For payment of exercise price or tax liability on October 23, 2026

Reported per-share price $13.29 per share Associated with the 491,141 shares delivered or withheld

Direct position after transaction 4,457,091 Class A shares Includes shares underlying unvested RSUs

Shares underlying unvested RSUs 4,059,399 shares Subject to continued service through the vesting date

Family Trust holdings 407,860 Class A shares Reported as held by Family Trust

Key Terms

Class A ordinary shares, Restricted Share Units (RSUs), beneficial ownership, pecuniary interest

4 terms

Class A ordinary shares financial

"Class A ordinary shares ("Class A Shares")"

Class A ordinary shares are a type of ownership stake in a company that typically grants voting rights to shareholders, allowing them to have a say in important company decisions. They often come with priority in receiving dividends or profits, making them attractive to investors seeking influence and potential income. These shares help distinguish different levels of ownership and rights within a company's stock structure.

Restricted Share Units (RSUs) financial

"underlying unvested Restricted Share Units (RSUs)"

Restricted share units (RSUs) are a form of employee pay where a company promises to give shares (or their cash value) to workers after certain conditions, usually time or performance, are met. For investors, RSUs matter because they can increase the number of shares outstanding and signal how management is being paid and incentivized—think of them as delayed bonuses that convert into ownership when vesting conditions are satisfied.

beneficial ownership financial

"disclaims beneficial ownership of these securities"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

pecuniary interest financial

"except to the extent of his pecuniary interest therein"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many NU shares did Chief Technology Officer Eric Young report delivered or withheld?

Nu Holdings Ltd. Chief Technology Officer Eric Young reported 491,141 Class A shares delivered or withheld for payment of exercise price or tax liability on October 23, 2026.

What direct NU share position did Eric Young report after the transaction?

Eric Young's reported direct position after the transaction was 4,457,091 Class A shares. That figure includes 4,059,399 shares underlying unvested Restricted Share Units, subject to continued service through the vesting date.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 10/27/2026 - 05:14 PM EDT Accepted by SEC EDGAR 10/27/2026 - 05:13 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Young Eric

(Last) (First) (Middle)

C/O NU HOLDINGS LTD

RUA CAPOTE VALENTE, 39, PINHEIROS

(Street)

SAO PAULO 05409001

(City) (State) (Zip)

BRAZIL

(Country)

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/23/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A ordinary shares ("Class A Shares")	10/23/2026		F		491,141	D	$13.29	4,457,091(1)	D
Class A Shares								407,860	I	By Family Trust(2)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Figure includes 4,059,399 Class A Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

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

	/s/ Beatriz Outeiro, attorney-in-fact for Eric Christopher Young	10/27/2026
	** 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 4 (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 4: SEC 1474 (03-26)