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 (NU) insider-related parties filed a notice to sell common stock under Rule 144. The filing covers a proposed sale of 12,500 common shares through Morgan Stanley Smith Barney LLC on the NYSE, with an indicated aggregate market value of $200,000.00. The issuer had 4,845,575,709 common shares outstanding at the time referenced. The shares to be sold were acquired as restricted stock vesting under a registered compensation plan on 07/01/2025, in two tranches of 4,011 and 8,489 shares, both received as compensation. During the past three months, the same account holders sold 20,000 common shares on 08/28/2025 for $300,000.00 in gross proceeds.
NU received a Form 144 notice for a proposed secondary sale of 709,565 shares of common stock with an aggregate market value of $11,342,751.31. The filing lists Morgan Stanley Smith Barney LLC as broker, an approximate sale date of 11/14/2025, and indicates trading on the NYSE. Shares outstanding were 4,818,658,640.
The shares to be sold were acquired primarily through restricted stock vesting under a registered plan and previously exercised options, as detailed across multiple vesting dates in 2024–2025. The filing also reports a sale in the past three months of 886,958 shares for $13,801,687.35 by the named seller.
Nu Holdings (NYSE: NU) reported strong Q3’25 results, combining rapid customer growth with record profitability. Total customers reached 127.0 million after 4.3 million net additions, with an activity rate of 83%. Revenue rose to a record $4.2 billion, up 39% year over year on an FX-neutral basis, as monthly ARPAC climbed to $13.4 and purchase volume hit $36.5 billion.
Profitability scaled with growth: net income was $782.7 million, up 39% FX-neutral, and return on equity reached a record 31%. Operating leverage improved, with the efficiency ratio at 27.7%. Deposits increased to $38.8 billion (up 34% FX-neutral), and the Loan-to-Deposit ratio stood at 46%.
The credit portfolio expanded to $30.4 billion (up 42% FX-neutral), with secured lending up 133% and unsecured up 63%, underscoring diversification. Asset quality remained manageable: Brazil’s 15–90 day NPL ratio was 4.2% and the 90+ day NPL ratio was 6.8%, both consistent with seasonal patterns. Growth outside Brazil accelerated, with Mexico surpassing 13 million customers and Colombia approaching 4 million, supporting Nu’s multi-market scale.
Nu Holdings (NU) reported strong Q3 2025 operating performance, highlighting scale, profitability and balance-sheet depth. Net income reached US$782.7 million with annualized ROE 31%, while Adjusted Net Income was US$829.0 million and annualized Adjusted ROE 33%. The customer base expanded to 127 million, with monthly ARPAC of US$13 and an activity rate of 83%. Gross profit was US$1,814.5 million with a margin of 43.5%, and the efficiency ratio improved to 27.7%.
Credit and funding scaled alongside asset quality metrics. The total credit portfolio rose to US$30.4 billion, including secured loans’ growth, and quarterly originations reached US$4.2 billion. Deposits increased to US$38.8 billion, supporting a loan-to-deposit ratio of 46%. Net interest income was US$2,301.8 million with an annualized NIM of 17.3%; risk-adjusted NIM was 9.9%. Reported delinquency trends and coverage ratios tracked expectations, indicating resilient credit quality.
Nu Holdings Ltd. reported strong Q3 2025 results, with total revenue of $4,172,716 thousand, up from $2,943,188 thousand a year earlier. Net income for the quarter rose to $782,678 thousand, and diluted EPS reached $0.1595 on a diluted weighted average of 4,905,133 thousand shares.
Growth was driven by higher interest income from credit cards and loans, alongside increased fee and commission income. Gross profit improved to $1,814,532 thousand, while the company continued investing in operations and technology, with general and administrative expenses at $349,262 thousand.
The balance sheet expanded meaningfully: total assets were $68,362,816 thousand as of September 30, 2025, supported by growth in financial assets at amortized cost and FVTOCI, and deposits rose to $38,775,929 thousand. Operating cash flows for the nine months were positive at $2,669,433 thousand, reflecting portfolio growth and funding inflows.
Nu Holdings (NU): Ownership update. Capital Research Global Investors filed an amended Schedule 13G reporting beneficial ownership of 184,607,140 shares of Nu Holdings common stock, representing 4.9% of the class as of the event date 09/30/2025.
The filer reports sole voting power over 184,342,053 shares and sole dispositive power over 184,607,140 shares, with no shared voting or dispositive power. The percentage is based on 3,781,753,779 shares believed to be outstanding. The certification states the position is held in the ordinary course and not to change or influence control.
David Velez Osorno and Rua California Ltd. filed Amendment No. 5 to Schedule 13G reporting their beneficial ownership of Nu Holdings Ltd. Class A ordinary shares. Velez reports 905,579,578 shares, representing 19.16% of the class, and Rua California reports 902,214,879 shares, or 19.10%, based on 3,822,975,011 Class A shares outstanding as of September 30, 2025.
Each Class B ordinary share is convertible into one Class A share and carries 20 votes per share. The filing shows shared voting and dispositive power for the reported amounts and notes a joint filing agreement; each party disclaims beneficial ownership of the other’s shares.
Form 144 filed for Nu Holdings Ltd. (NU) reports a proposed sale of 70,000 common shares through Morgan Stanley Smith Barney LLC with an aggregate market value of $1,130,500 and an approximate sale date of 09/19/2025 on the NYSE. The filing shows the shares were originally granted as restricted stock in multiple tranches between 10/01/2022 and 07/01/2023, totaling the disclosed acquired amounts (31,294; 13,412; 13,412; 11,882). The filer reports no sales of issuer securities in the past three months and certifies no undisclosed material adverse information. The company has 4,818,658,640 shares outstanding per the form.
Form 144 filed for Nu Holdings Ltd. (NU) reports a proposed sale of 70,000 common shares through Morgan Stanley Smith Barney LLC with an aggregate market value of $1,130,500 and an approximate sale date of 09/19/2025 on the NYSE. The filing shows the shares were originally granted as restricted stock in multiple tranches between 10/01/2022 and 07/01/2023, totaling the disclosed acquired amounts (31,294; 13,412; 13,412; 11,882). The filer reports no sales of issuer securities in the past three months and certifies no undisclosed material adverse information. The company has 4,818,658,640 shares outstanding per the form.
Form 144 filed for Nu Holdings Ltd. (NU) reports a proposed sale of 70,000 common shares through Morgan Stanley Smith Barney LLC with an aggregate market value of $1,130,500 and an approximate sale date of 09/19/2025 on the NYSE. The filing shows the shares were originally granted as restricted stock in multiple tranches between 10/01/2022 and 07/01/2023, totaling the disclosed acquired amounts (31,294; 13,412; 13,412; 11,882). The filer reports no sales of issuer securities in the past three months and certifies no undisclosed material adverse information. The company has 4,818,658,640 shares outstanding per the form.
Nu Holdings Ltd., a foreign private issuer based in the Cayman Islands, submitted a Form 6-K relating to its annual general meeting. The company furnished an exhibit titled “Nu Holdings Ltd. Announces Results of Annual General Meeting Held on September 08, 2025,” indicating that shareholder meeting outcomes for that date have been formally reported.