Nu Hldgs Ltd SEC Filings

Nu Holdings Ltd. (NU) notice reports a proposed sale of 166,528 common shares through Morgan Stanley Smith Barney on the NYSE with an aggregate market value of $2,288,111.37. The securities were acquired as restricted stock from the issuer on 01/01/2021. The filer indicates no sales in the past three months and certifies they are not aware of undisclosed material adverse information. The planned approximate sale date is 08/21/2025. The companys outstanding share count shown on the form is 4,818,658,640, making this sale a very small fraction of total shares outstanding.

Nu Holdings Ltd. (NU) notice reports a proposed sale of 871,451 common shares to be executed on 08/20/2025 through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $11,764,588.50. The shares were acquired on 08/18/2025 by a stock option exercise and paid in cash. The filing lists multiple prior insider sales by Youssef Lahrech during June–July 2025 totaling 857,007 shares for gross proceeds of $11,142,391.40. The filer attests there is no undisclosed material adverse information and signs under penalty of law.

Nu Holdings Ltd. (NU) Form 144 filing: The filer notifies a proposed sale of 25,000 Class A ordinary shares through J.P. Morgan Securities LLC with an aggregate market value of $327,500, and an approximate sale date of 08/18/2025 on the NYSE. The shares were acquired as a gift on 11/05/2021 from Youssef Lahrech (who acquired them 10/01/2021). The filing shows 3,768,057,942 shares outstanding. It also discloses two prior sales by the same person in the past three months: 100,000 shares on 06/27/2025 for $1,350,000 and 100,000 shares on 07/17/2025 for $1,400,000. The notice includes the standard representation that the seller is not aware of undisclosed material adverse information.

Form 144 notice for Nu Holdings Ltd. (NU) shows that Henrique Camossa Saldanha Fragelli intends to sell 20,000 common shares through Morgan Stanley Smith Barney, with an aggregate market value of $270,000 and an approximate sale date of 08/18/2025 on the NYSE. The shares were acquired as restricted stock vesting under a registered plan on 07/01/2022 and were received as compensation. The filing discloses that 20,000 of those shares were acquired on the vesting date and that the filer represents they have no undisclosed material adverse information about the issuer. The filing also reports three recent sales by the same person during the past three months totaling 40,000 shares for gross proceeds of $495,000.

Nu Holdings Ltd. (NU) filing a Form 144 notifies a proposed sale of 4,000 common shares through Morgan Stanley Smith Barney on the NYSE with an aggregate market value of $55,020. The shares were acquired on 07/01/2024 by restricted stock vesting under a registered plan and were paid as compensation. The filing lists approximately 4,818,658,640 shares outstanding and indicates an approximate sale date of 08/15/2025. The filer signs a representation that they do not possess undisclosed material adverse information about the issuer.

Nu Holdings Ltd. filed a Form 144 reporting a proposed sale of 33,000,000 Class A ordinary shares through J.P. Morgan Securities LLC on the New York Stock Exchange with an aggregate market value of $435,600,000. The shares were obtained on December 8, 2021 in an exchange of Class B ordinary shares with the issuer and payment recorded as an exchange of assets. The filing lists 3,768,057,942 shares outstanding, indicating the proposed sale represents approximately 0.88% of outstanding shares. No securities were reported sold in the past three months and no additional remarks disclose material nonpublic information.

Nu Holdings delivered another strong quarter in Q2’25, combining rapid growth with rising profitability. Revenue reached $3.7 billion, up 40% year over year on an FX-neutral basis, while net income climbed to a record $637 million, up 42% FX-neutral. Return on equity remained high at 28%, showing the business is converting growth into solid earnings.

The customer base grew to 122.7 million, with 4.1 million net additions and an activity rate above 83%, supporting monthly average revenue per active customer of $12.2 and cost to serve of just $0.8. Deposits rose to $36.6 billion, up 41% FX-neutral, and the total credit portfolio reached $27.3 billion. In Brazil, early-stage delinquencies (15–90 days NPL) improved to 4.4%, while 90+ day NPLs were 6.6%. The efficiency ratio edged up to 28.3% due to RSU expenses and higher marketing, as the company continues to invest in growth.

Nu Holdings Ltd. reports strong Q2 2025 performance, highlighted by net income of $637.0M and adjusted net income of $694.5M. These results translate into an annualized ROE of 28% and adjusted ROE of 31%, showing the digital bank is scaling profitably.

The company continues to expand across Latin America, serving large mass‑market and SME segments and growing a diversified credit portfolio. The total loan and credit card portfolio reached $27.3B on an FX‑neutral basis, while deposits rose to $36.6B, supporting a loan‑to‑deposit ratio of 43%. Net interest income was $2,098.8M with a net interest margin of 17.7%, and risk‑adjusted NIM rebounded to 10.1% as credit loss allowance trends improved.

Asset quality in the Brazilian consumer portfolio tracked internal expectations, with delinquency and formation ratios contained and strong coverage levels. The coverage ratio over 90+ day NPLs was around 215%. Nu also reports a robust balance sheet, with a capital ratio of 32% and a liquidity ratio of 469%, providing a sizable cushion to support continued growth.