Nu Holdings CEO delivers or withholds 45,690 shares

His reported direct position includes 16,297,049 unvested Restricted Class A Shares that vest through January 1, 2036, subject to continued service.

Rhea-AI Filing Summary

Nu Holdings Ltd. (NU) Chairman and CEO David Velez Osorno reported 45,690 Class A shares delivered or withheld for payment of exercise price or tax liability on October 23, 2026, at $13.29 per share. His reported direct holdings afterward were 19,691,424 shares, including 16,297,049 unvested Restricted Class A Shares that vest through January 1, 2036, subject to continued service. A separate indirect holding of 698,914 Class A shares is held by Rua California Ltd.; Velez Osorno disclaims beneficial ownership of those securities except to the extent of his pecuniary interest.

Insider Trade Summary

Exercise Price or Tax Liability: 45,690 shares

Exercise Price or Tax Liability 2 txns

Insider Osorno David Velez

Role Chairman and CEO

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A ordinary shares ("Class A Shares") F1	45,690	$13.29	$607K
holding	Class A Shares F2	--	--	--

Holdings After Transaction: Class A ordinary shares ("Class A Shares") — 19,691,424 shares (Direct); Class A Shares — 698,914 shares (Indirect, By Rua California Ltd.)

Footnotes (2)

1. F1. Figure includes 16,297,049 unvested Restricted Class A Shares ("Restricted Shares") granted under the Nu Holdings Ltd. 2020 Omnibus Incentive Plan, as amended. The Restricted Shares were issued to and registered in the name of the Reporting Person on the grant date and vest through January 1, 2036. The vesting of the Restricted Shares is subject to the Reporting Person's continued service through the applicable 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: 45,690 shares Price per share: $13.29 per share Direct holdings after transaction: 19,691,424 shares +2 more

5 metrics

Shares delivered or withheld 45,690 shares October 23, 2026

Price per share $13.29 per share October 23, 2026 transaction

Direct holdings after transaction 19,691,424 shares Class A shares

Unvested Restricted Class A Shares 16,297,049 shares Vest through January 1, 2036, subject to continued service

Indirect holdings 698,914 shares Class A shares held by Rua California Ltd.

Key Terms

Restricted Class A Shares, 2020 Omnibus Incentive Plan, pecuniary interest

3 terms

Restricted Class A Shares financial

"16,297,049 unvested Restricted Class A Shares"

2020 Omnibus Incentive Plan financial

"granted under the Nu Holdings Ltd. 2020 Omnibus Incentive Plan"

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 David Velez Osorno deliver or withhold?

David Velez Osorno reported 45,690 Class A shares delivered or withheld on October 23, 2026, at $13.29 per share for payment of exercise price or tax liability.

What were David Velez Osorno's reported NU share holdings after the transaction?

His reported direct holdings afterward were 19,691,424 shares, including 16,297,049 unvested Restricted Class A Shares. He also had an indirect holding of 698,914 Class A shares through Rua California Ltd.; he disclaims beneficial ownership except to the extent of his pecuniary interest.

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

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Available on EDGAR 10/27/2026 - 05:15 PM EDT Accepted by SEC EDGAR 10/27/2026 - 05:14 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^*

Osorno David Velez

(Last) (First) (Middle)

RUA CAPOTE VALENTE, 39, PINHEIROS

(Street)

SAO PAULO 5,409,001

(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)

X	Director	X	10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

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		45,690	D	$13.29	19,691,424(1)	D
Class A Shares								698,914	I	By Rua California Ltd.(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 16,297,049 unvested Restricted Class A Shares ("Restricted Shares") granted under the Nu Holdings Ltd. 2020 Omnibus Incentive Plan, as amended. The Restricted Shares were issued to and registered in the name of the Reporting Person on the grant date and vest through January 1, 2036. The vesting of the Restricted Shares is subject to the Reporting Person's continued service through the applicable 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 David Velez Osorno	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)