Nu Holdings US CEO delivers or withholds 8,048 shares

Each unvested RSU represents a contingent right to receive one Class A Share.

Rhea-AI Filing Summary

Nu Holdings Ltd. reported that its US CEO & Chief Growth Officer, Cristina Helena Zingaretti Junqueira, had 8,048 Class A Shares delivered or withheld at $13.29 per share on October 23, 2026, for payment of exercise price or tax liability. Her direct holdings following the transaction were 2,534,035 shares, including 1,224,046 shares underlying unvested RSUs subject to continued service through the applicable vesting date. An estate planning vehicle held 1,539,000 shares; she disclaims beneficial ownership except to the extent of her pecuniary interest.

Insider Trade Summary

Exercise Price or Tax Liability: 8,048 shares

Exercise Price or Tax Liability 5 txns

Insider Junqueira Cristina Helena Zingaretti

Role US CEO & Chief Growth Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A ordinary shares ("Class A Shares") F1	8,048	$13.29	$107K
holding	Class A Shares F2	--	--	--
holding	Class A Shares F2	--	--	--
holding	Class A Shares F2	--	--	--
holding	Class A Shares F2	--	--	--

Holdings After Transaction: Class A ordinary shares ("Class A Shares") — 2,534,035 shares (Direct); Class A Shares — 7,680,830 shares (Indirect, By Family Trust); Class A Shares — 1,539,000 shares (Indirect, By Estate Planning Vehicle)

Footnotes (2)

1. F1. Figure includes 1,224,046 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 applicable vesting date.
2. F2. The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein.

Key Figures

Shares delivered or withheld: 8,048 shares Transaction price per share: $13.29 per share Direct holdings after transaction: 2,534,035 shares +3 more

6 metrics

Shares delivered or withheld 8,048 shares Transaction reported for October 23, 2026

Transaction price per share $13.29 per share Transaction reported for October 23, 2026

Direct holdings after transaction 2,534,035 shares Includes shares underlying unvested RSUs

Shares underlying unvested RSUs 1,224,046 shares Included in reported direct holdings

Estate planning vehicle holdings 1,539,000 shares Indirect holdings

Shares per RSU 1 Class A Share Each RSU is a contingent right to receive one share

Key Terms

Restricted Share Units (RSUs), beneficial ownership, pecuniary interest

3 terms

Restricted Share Units (RSUs) financial

"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.

beneficial ownership regulatory

"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 her pecuniary interest therein"

FAQ

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

How many NU shares did Cristina Helena Zingaretti Junqueira have delivered or withheld?

On October 23, 2026, 8,048 Class A Shares were delivered or withheld at $13.29 per share for payment of exercise price or tax liability.

What did Cristina Helena Zingaretti Junqueira hold directly after the NU transaction?

Her reported direct holdings were 2,534,035 Class A Shares, including 1,224,046 shares underlying unvested RSUs. Those RSUs are subject to continued service through the applicable vesting date.

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

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Available on EDGAR 10/27/2026 - 05:16 PM EDT Accepted by SEC EDGAR 10/27/2026 - 05:15 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^*

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 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		8,048	D	$13.29	2,534,035(1)	D
Class A Shares								4,877,593	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 1,224,046 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 applicable 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	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)