Nu Holdings CRO reports tax-share disposition

Nu Holdings Ltd. Chief Risk Officer Henrique Fragelli Camossa Saldanha reported a routine tax-related share disposition.

Rhea-AI Filing Summary

Nu Holdings Ltd. Chief Risk Officer Henrique Fragelli Camossa Saldanha reported a routine tax-related share disposition. On April 23, 2026, 11,991 Class A shares were withheld to cover tax obligations at $14.44 per share. After this transaction, he directly holds 1,214,649 Class A shares, including 992.942 unvested RSUs that depend on continued service. He also has an indirect interest in 3,450,000 Class A shares held by HFRN Investments Inc. and disclaims beneficial ownership of those securities except to the extent of his pecuniary interest.

Insider Trade Summary

Exercise Price or Tax Liability: 11,991 shares

Exercise Price or Tax Liability 2 txns

Insider Fragelli Henrique Camossa Saldanha

Role Chief Risk Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A ordinary shares ("Class A Shares")	11,991	$14.44	$173K
holding	Class A Shares	--	--	--

Holdings After Transaction: Class A ordinary shares ("Class A Shares") — 1,214,649 shares (Direct); Class A Shares — 3,450,000 shares (Indirect, By HFRN Investments Inc.)

Footnotes (2)

1. F1. Figure includes 992.942 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 his pecuniary interest therein.

Key Figures

Tax-withheld shares: 11,991 shares Tax-withholding price: $14.44 per share Direct holdings after transaction: 1,214,649 shares +2 more

5 metrics

Tax-withheld shares 11,991 shares Class A shares delivered for tax obligations on Apr. 23, 2026

Tax-withholding price $14.44 per share Value used for tax-withholding disposition

Direct holdings after transaction 1,214,649 shares Class A shares directly held following the Form 4 transaction

Unvested RSUs included 992.942 shares Class A shares underlying unvested RSUs within direct holdings

Indirect holdings via HFRN Investments Inc. 3,450,000 shares Class A shares held indirectly; beneficial ownership disclaimed except pecuniary interest

Key Terms

tax-withholding disposition, Restricted Share Units (RSUs), beneficial ownership, Class A ordinary shares, +1 more

5 terms

tax-withholding disposition financial

"11,991 Class A shares were withheld to cover tax obligations at $14.44 per share"

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.

Restricted Share Units (RSUs) financial

"Figure includes 992.942 Class A Ordinary Shares 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

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

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.

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.

pecuniary interest financial

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

FAQ

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

What insider transaction did Nu Holdings (NU) report for its Chief Risk Officer?

Nu Holdings reported a tax-withholding disposition for its Chief Risk Officer. On April 23, 2026, 11,991 Class A shares were delivered at $14.44 per share to satisfy tax obligations related to equity compensation awards.

How many Nu Holdings (NU) shares does the Chief Risk Officer hold after this Form 4?

After the reported transaction, the Chief Risk Officer directly holds 1,214,649 Class A shares. This figure includes 992.942 Class A shares underlying unvested RSUs that will vest only if he continues providing service through the vesting dates.

What does the tax-withholding disposition mean in the Nu Holdings (NU) filing?

The tax-withholding disposition reflects shares used to pay tax liabilities on equity awards. In this case, 11,991 Class A shares were delivered rather than cash, a common administrative mechanism that does not represent an open-market sale decision.

What indirect holdings in Nu Holdings (NU) are associated with the Chief Risk Officer?

The filing shows 3,450,000 Class A shares held indirectly through HFRN Investments Inc. The reporting person disclaims beneficial ownership of these securities except for his pecuniary interest, indicating limited ownership claims despite the association.

How are unvested RSUs treated in the Nu Holdings (NU) Form 4?

The Form 4 states that 992.942 Class A shares are underlying unvested RSUs. Each RSU represents a contingent right to receive one share and will vest only if the reporting person continues in service through the required vesting dates.

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

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Accepted by SEC EDGAR 04/27/2026 - 04:15 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^*

Fragelli Henrique Camossa Saldanha

(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)
	Chief Risk Officer

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		11,991	D	$14.44	1,214,649(1)	D
Class A Shares								3,450,000	I	By HFRN Investments Inc.(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 992.942 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 his pecuniary interest therein.

	/s/ Beatriz Outeiro, attorney-in-fact for Henrique Camossa Saldanha Fragelli	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)