Nu executive reports tax share disposition

Nu Holdings Ltd. executive Cristina Helena Zingaretti Junqueira reported updated holdings in Class A Shares.

Rhea-AI Filing Summary

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.

Insider Trade Summary

Exercise Price or Tax Liability: 8,264 shares

Exercise Price or Tax Liability 5 txns

Insider Junqueira Cristina Helena Zingaretti

Role US CEO & Chief Growth Off.

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A ordinary shares ("Class A Shares")	8,264	$14.44	$119K
holding	Class A Shares	--	--	--
holding	Class A Shares	--	--	--
holding	Class A Shares	--	--	--
holding	Class A Shares	--	--	--

Holdings After Transaction: Class A ordinary shares ("Class A Shares") — 2,615,131 shares (Direct); Class A Shares — 7,780,830 shares (Indirect, By Family Trust); Class A Shares — 1,539,000 shares (Indirect, By Estate Planning Vehicle)

Footnotes (2)

1. F1. Figure includes 1,264,946 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. F2. The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.

Key Figures

Tax-withholding shares: 8,264 shares Tax-withholding price: $14.44/share Direct holdings after transaction: 2,615,131 shares +3 more

6 metrics

Tax-withholding shares 8,264 shares Class A Shares used for tax-withholding disposition

Tax-withholding price $14.44/share Price per Class A Share for tax-withholding disposition

Direct holdings after transaction 2,615,131 shares Direct Class A Shares following tax-withholding disposition

Unvested RSUs underlying shares 1,264,946 shares Class A Shares underlying unvested RSUs included in holdings

Estate planning vehicle holdings 1,539,000 shares Class A Shares held indirectly by estate planning vehicle

Largest family trust holding 4,977,593 shares Class A Shares held indirectly by a family trust

Key Terms

Restricted Share Units (RSUs), tax-withholding disposition, pecuniary interest, Estate Planning Vehicle, +1 more

5 terms

Restricted Share Units (RSUs) financial

"Figure includes 1,264,946 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s)."

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.

tax-withholding disposition financial

"transaction_action": "tax-withholding disposition""

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

pecuniary interest financial

"disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein."

Estate Planning Vehicle financial

"nature_of_ownership": "By Estate Planning Vehicle""

Family Trust financial

"nature_of_ownership": "By Family Trust""

FAQ

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

What insider activity did NU executive Cristina Junqueira report in this Form 4?

Cristina Junqueira reported a tax-withholding disposition of 8,264 Nu Holdings Class A Shares at $14.44 per share. This was to cover tax obligations, not an open-market sale, and reflects routine settlement related to equity compensation.

How many Nu Holdings (NU) shares does Cristina Junqueira hold directly after this filing?

After the reported transaction, Cristina Junqueira directly holds 2,615,131 Nu Holdings Class A Shares. This figure includes a large portion represented by unvested Restricted Share Units that may convert into shares over time, subject to continued service and vesting conditions.

Does this NU Form 4 show open-market buying or selling of shares?

The Form 4 does not show open-market buying or selling. It records a tax-withholding disposition of 8,264 Class A Shares used to satisfy tax liabilities, a common non-market mechanism tied to equity compensation events rather than an active investment trade.

What role do Restricted Share Units (RSUs) play in Cristina Junqueira’s NU holdings?

Her reported direct holdings include 1,264,946 Class A Shares underlying unvested RSUs. Each RSU represents a contingent right to receive one share, which vests only if she continues to provide service through the specified vesting dates under prior equity grants.

What indirect Nu Holdings (NU) ownership does Cristina Junqueira report?

She reports indirect ownership of Class A Shares through an estate planning vehicle and family trusts. Each indirect line item reflects shares held by these entities, and she disclaims beneficial ownership except to the extent of her pecuniary interest in those securities.

How many NU shares were used to cover tax obligations in this Form 4?

A total of 8,264 Nu Holdings Class A Shares were used to cover tax obligations. The transaction is classified as a tax-withholding disposition, meaning shares were delivered to satisfy taxes related to equity compensation rather than sold in the open market.

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

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Accepted by SEC EDGAR 04/27/2026 - 04:12 PM 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^*

Junqueira Cristina Helena Zingaretti

(Last) (First) (Middle)

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)
	US CEO & Chief Growth Off.

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/23/2026

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")	04/23/2026		F		8,264	D	$14.44	2,615,131(1)	D
Class A Shares								4,977,593	I	By Family Trust(2)
Class A Shares								2,312,338	I	By Family Trust(2)
Class A Shares								490,899	I	By Family Trust(2)
Class A Shares								1,539,000	I	By Estate Planning Vehicle(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 1,264,946 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 reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.

	/s/ Beatriz Outeiro, attorney-in-fact for Cristina Junqueira	04/27/2026
	** 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)