Nu Holdings Ltd. filings document a foreign private issuer that operates Nubank as a digital financial services platform. Its Form 20-F annual reports and Form 6-K current reports cover IFRS consolidated financial statements, operating and financial review, risk factors, earnings releases, investor presentations and audited results for the company and its subsidiaries.
The filing record also includes supplementary managerial P&L reconciliations, independent assurance materials and current reports on regulatory licensing and charter developments. These disclosures address customer growth, credit and payments activity, capital and liquidity requirements, governance and the regulatory framework for Nu's operations in Brazil, Mexico, Colombia and other expansion markets.
Nu Holdings Ltd. presents a Q2 2026 Managerial Profit and Loss view, reconciled from its IFRS accounts and subject to an independent limited assurance engagement by KPMG under ISAE 3000. KPMG reports that nothing came to its attention indicating management’s statement about this supplementary information is not fairly stated, in all material respects, under Nu’s internal policy.
For the three months ended 30 June 2026, managerial Total Revenue was $5,875.7 million, up from $3,772.3 million a year earlier, driven by higher credit, float and fee income. Gross Profit rose to $2,441.1 million from $1,519.3 million, while Net Income increased to $1,061.1 million from $637.0 million.
The managerial framework reallocates IFRS income and expenses through defined operational reclassifications and tax‑equivalency adjustments, which are described in detail and fully reconciled to the accounting P&L. These adjustments are presentation-only, leaving reported net income, cash flows, equity and regulatory capital under IFRS unchanged, and are intended to improve analytical consistency and comparability of Nu’s underlying performance.
Nu Holdings Ltd. reported strong growth for the three and six months ended June 30, 2026. Total revenue reached $5.51 billion for the quarter and $10.48 billion year-to-date, driven mainly by higher interest income on credit cards, loans and fee income from cards and services.
Quarterly net income rose to $1.06 billion from $636.99 million a year earlier, with six‑month net income at $1.93 billion. Basic EPS was $0.2183 for the quarter and $0.3979 for the first half. Total assets increased to $82.75 billion, while deposits grew to $45.33 billion. Equity attributable to shareholders rose to $13.25 billion, supported by earnings and positive currency translation, partially offset by a $500.39 million share repurchase.
Credit growth was significant: credit card receivables reached $25.96 billion and loans to customers $13.44 billion. This was accompanied by higher expected credit loss expenses of $3.20 billion in the first half and a combined ECL balance of $6.64 billion. Operating cash flow swung to an outflow of $1.24 billion as Nu expanded lending and securities portfolios. Nu also received conditional OCC approval to form a U.S. national bank, which would enable deposit, credit and digital‑asset custody services once conditions are met.
Nu Holdings Ltd., the largest digital bank in Latin America, reported strong Q2 2026 results with expanding scale and profitability. The company reached 138.9 million customers, up 13% year-over-year, with a high 83.5% activity rate and ARPAC of $17.1. Total credit portfolios grew to $39.4 billion, while deposits reached $45.3 billion across Brazil, Mexico, and Colombia.
Managerial total revenue was $5.88 billion, up 39% year-over-year, and gross profit rose 43% to $2.44 billion. Net income hit $1.06 billion, a record level, increasing 49% year-over-year, with ROE at 33%. Risk-adjusted NIM expanded to 12.4% as cost of credit fell quarter-over-quarter. The efficiency ratio improved versus a year earlier to 19.5%, though it increased from Q1 due to shifted marketing and real estate expenses and continued international investment. Asset-quality indicators were mixed: the 15–90 day NPL ratio improved to 4.8%, while 90+ day NPLs rose to 6.9%, partly due to seasonal delinquency migration.
Marcus David reported acquisition or exercise transactions in this Form 4 filing.
Nu Holdings Ltd. director Marcus David reported a grant of 25,290 Class A ordinary shares on August 7, 2026, at a stated price of $0.00 per share. The reported post-transaction direct holding is 655,039 Class A shares, which includes 25,290 unvested Restricted Share Units. Each RSU represents a contingent right to receive one Class A share, subject to David’s continued service through the vesting date.
Nu Holdings Ltd. director Jacqueline D. Reses reported an acquisition of 27,096 Class A ordinary shares on 2026-08-07 as a grant/award with a per-share price of $0.00. The figure consists of unvested Restricted Share Units (RSUs), each representing a contingent right to one Class A Share, subject to her continued service through the vesting date. Following this award, her direct holdings total 45,754 Class A Shares, including the unvested RSUs.
PIACENTINI DIEGO reported acquisition or exercise transactions in this Form 4 filing.
Nu Holdings Ltd. reported that director Diego Piacentini received a grant of 23,483 Class A ordinary shares on August 7, 2026, as part of unvested Restricted Share Units (RSUs) awarded at $0.00 per share. After this grant, he directly holds 30,986 Class A Shares, including those underlying the unvested RSUs, which remain subject to continued service through their vesting date. He also has 346,330 Class A Shares held indirectly through a family-owned corporation, for which he disclaims beneficial ownership except to the extent of his pecuniary interest.
Sands Anita M reported acquisition or exercise transactions in this Form 4 filing.
Nu Holdings Ltd. director Anita M. Sands received a grant of 30,709 Class A ordinary shares on 2026-08-07, recorded at a price of $0.0000 per share as a share-based award. Following this grant, she directly holds 192,859 Class A shares, including 30,709 unvested Restricted Share Units (RSUs). Each RSU represents a contingent right to receive one Class A share and remains subject to her continued service through the vesting date.
Nu Holdings Ltd. director Douglas M. Leone received an award of 25,290 Class A shares on August 7, 2026, classified as a grant or other acquisition at $0.00 per share. The figure includes unvested Restricted Share Units (RSUs), each representing one Class A share, which remain contingent on his continued service through their vesting dates.
Following this grant, Leone directly holds 198,865 Class A shares, including the unvested RSUs. He is also reported as having indirect interests in 27,753,845 Class A shares through a family trust and 1,740,390 Class A shares through family limited partnerships, while disclaiming beneficial ownership of these indirect holdings except to the extent of his pecuniary interest.
Moreno Mejia Luis Alberto reported acquisition or exercise transactions in this Form 4 filing.
Nu Holdings Ltd. reported that director Moreno Mejia Luis Alberto received an equity grant of 25,290 Class A ordinary shares on August 7, 2026, recorded at $0.00 per share as a grant or award. The figure includes 25,290 Class A Shares underlying unvested Restricted Share Units (RSUs), each RSU representing a contingent right to one Class A Share, subject to his continued service through the vesting date. Following this award, his direct holdings increased to 251,524 Class A Shares, including the unvested RSUs. The transaction was not reported as made under a Rule 10b5-1 trading plan.