Welcome to our dedicated page for Nu Hldgs SEC filings (Ticker: NU), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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. director Luis Alberto Moreno Mejia filed an initial ownership report showing he beneficially holds 226,234 Class A ordinary shares. This figure includes 11,498 shares underlying unvested restricted share units, which will vest only if he continues serving through future vesting dates.
Nu Holdings Ltd. director Calderon Peres Rogerio Paulo filed an initial ownership report showing direct holdings of 79,454 Class A ordinary shares. This figure includes 10,677 Class A shares underlying unvested restricted share units, which will vest only if he continues in service through the vesting dates.
Nu Holdings Ltd. filed a Form 6-K presenting a new Managerial Profit and Loss framework, reconciled to its IFRS results and supported by an independent limited assurance report from KPMG.
For the three months ended 31 December 2025, managerial total revenue was 4,857.3 million U.S. dollars and net income was 894.8 million, compared with 3,100.7 million and 552.6 million for the same period in 2024. For the twelve months ended 31 December 2025, managerial total revenue was 16,319.6 million and net income was 2,871.7 million, up from 11,671.1 million and 1,972.1 million in 2024.
The company explains that managerial line items are derived from IFRS figures through reclassifications and tax-equivalency adjustments that do not change reported net income, cash flows, equity, or regulatory capital. KPMG concluded, on a limited assurance basis, that the supplementary information is properly prepared in all material respects according to Nu’s internal managerial criteria.
Nu Holdings reports a strong Q4 2025, highlighting rapid scale and rising profitability across its digital banking platform. Total revenue reached $4,857 million, while net income was $895 million, supported by 131 million customers and an 83% activity rate.
The company’s credit portfolio totaled $32.7 billion, up 40% year over year on an FX-neutral basis, with 15–90 day NPLs at 4.1%. Deposits grew to $41.9 billion, and risk-adjusted net interest margin held at 10.5%, reflecting disciplined credit and funding management.
Operating leverage continued to improve as the efficiency ratio declined to 19.9%. Return on equity reached 33%, and adjusted ROE was 35%, supported by growing ARPAC and controlled cost to serve. Management also introduced a Managerial P&L framework to give clearer visibility into value creation across products, segments, and geographies.
Nu Holdings Ltd. reported strong growth for Q4 and full year 2025, highlighting rapid customer expansion and rising profitability. The company reached 131 million customers, adding 17 million in 2025, with an 83% activity rate and monthly revenue per active customer of $15, up from $11.1 a year earlier.
Total revenue rose 45% year over year to $16.3 billion in 2025, with Q4 revenue of $4.86 billion. Full-year net income increased to $2.87 billion from $1.97 billion, while Q4 net income reached $894.8 million. Return on equity climbed to 33%, and deposits grew 29% to $41.9 billion, supporting a 40% expansion in the $32.7 billion credit portfolio.
Nu Holdings Ltd. reported strong 2025 growth, with total revenue reaching $15,774,741 thousand, up from $11,517,075 thousand in 2024. Net income rose to $2,871,672 thousand from $1,972,112 thousand as the business scaled across Brazil, Mexico and Colombia.
Interest income from credit cards and loans totaled $9,382,033 thousand, while fee and commission income reached $2,340,058 thousand. Total assets grew to $74,893,877 thousand and deposits to $41,925,101 thousand, supporting larger credit portfolios despite higher expected credit losses of $4,204,876 thousand.
Nu Holdings Ltd. received conditional approval from the U.S. Office of the Comptroller of the Currency to form a new national bank, Nubank, N.A., marking a key step in its long-term U.S. expansion strategy. Once fully approved, the charter will let Nu offer U.S. deposit accounts, credit cards, lending and digital asset custody under a federal framework.
The U.S. business will be led by co-founder Cristina Junqueira, with former Central Bank of Brazil president Roberto Campos Neto as board chair. Nu has entered the bank organization phase, targeting full capitalization within 12 months and opening the bank within 18 months, while it continues focusing on core markets in Brazil, Mexico and Colombia and awaits additional approvals from the FDIC and Federal Reserve.
Nu Holdings Ltd., parent of Nubank, reports that Nubank intends to obtain a banking license in Brazil in 2026. The move is designed to include a banking institution within the Nubank conglomerate to comply with Joint Resolution No. 17 issued by the Central Bank of Brazil and the National Monetary Council, which standardizes brand name usage for regulated institutions.
The company states that Nubank’s brand and visual identity will remain unchanged and that there will be no impact on clients or day-to-day operations. Nubank currently serves more than 110 million customers in Brazil and already operates under licenses as a Payment Institution, a Credit, Financing and Investment Company, and a Securities Brokerage Company.
The company also notes that adding a banking institution to the group does not materially change capital or liquidity requirements, and it emphasizes that financial solidity and resilience remain the same.
Nu Holdings Ltd. (NU) insider plans to sell common shares under Rule 144. The notice covers a proposed sale of 10,000 common shares through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $165,000.00. The filing states that 4,845,575,709 common shares were outstanding at the time referenced.
The seller acquired 7,998 common shares and 2,002 common shares on 07/01/2024 through restricted stock vesting under a registered compensation plan. Over the past three months, the same beneficial owner, Suzana Kubric, sold 5,000 common shares on 11/14/2025 for gross proceeds of $80,500.00 and 6,000 common shares on 08/25/2025 for gross proceeds of $84,000.00.
NU filed a Form 144 notice for a proposed sale of common stock by an affiliated holder. The seller intends to sell 27,500 common shares through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $453,750.00. The table notes that 4,845,575,709 common shares were outstanding, providing context for the size of the planned sale.
The shares to be sold were acquired as restricted stock vesting under a registered compensation plan from the issuer on several dates in 2024 and 2025. The filing also lists prior sales over the past three months by the same account, including 12,500 common shares sold on 11/20/2025 for $200,000.00 and 20,000 common shares sold on 08/28/2025 for $300,000.00. The seller represents that they are not aware of undisclosed material adverse information about NU.