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. reported strong Q1 2026 results, with managerial total revenue of $5.32B and net income of $871.4M. Revenue rose from $3.37B a year earlier, while gross profit reached $1.88B.
Net interest income was $3.25B and credit loss allowance expenses were $1.79B, supporting a net interest margin of 21.1% and risk‑adjusted NIM of 9.5%. Net revenues of $3.67B against operating expenses of $648M produced a reported efficiency ratio of 17.6%, reflecting a low-cost operating model.
Net income of $871.4M translated into annualized ROE of 29% and adjusted ROE of 31%. Deposits totaled $42.4B and the total credit portfolio was $37.2B, while a capital position of $9.4B and available funding of $39.1B indicate ample capacity to support growth and expansion.
Nu Holdings Ltd. reported sharply higher first-quarter 2026 results, with total revenue of $4,967,967 thousand, up from $3,247,689 thousand a year earlier. Net income rose to $871,431 thousand from $557,208 thousand, and diluted earnings per share increased to $0.1776 from $0.1139.
Growth was driven by strong expansion in interest income from credit cards and loans, alongside higher fee and commission income. The credit portfolio continued to scale, with credit card receivables of $24,301,844 thousand and loans to customers of $12,904,339 thousand, while the Group maintained sizeable loss allowances.
Total assets reached $77,456,407 thousand as of March 31, 2026, with deposits of $42,448,121 thousand supporting funding. During the period, Nu also received conditional approval from the U.S. Office of the Comptroller of the Currency to form a national bank, consistent with its strategy to expand products and operations in the United States.
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.
Nu Holdings Ltd. Chief Financial Officer Lago Guilherme Marques reported a tax-related share disposition. On the transaction date, 24,348 Class A ordinary shares were withheld at $14.44 per share to cover a tax liability, rather than being sold on the open market.
After this withholding, Marques directly held 6,976,027 Class A shares. A filing footnote states this figure includes 4,791,162 Class A shares underlying unvested Restricted Share Units, which will vest only if his service with the company continues through each vesting date.
Nu Holdings Ltd. executive Cristina Helena Zingaretti Junqueira reported updated holdings in Class A Shares. The filing shows a tax-withholding disposition of 8,264 Class A Shares at $14.44 per share to satisfy tax obligations, rather than an open-market sale. After this, she directly holds 2,615,131 Class A Shares, which includes 1,264,946 Class A Shares underlying unvested Restricted Share Units associated with prior grants. She also reports additional indirect holdings through an estate planning vehicle and family trusts.
Nu Holdings Ltd. Chairman and CEO David Vélez Osorno reported routine share-related updates. A total of 45,690 Class A ordinary shares were disposed of at $14.44 per share as a tax-withholding disposition, tied to equity compensation rather than an open-market sale. Following this, he directly holds 6,205,071 Class A Shares. He also has an indirect interest in 698,914 Class A Shares held by Rua California Ltd., while disclaiming beneficial ownership beyond his pecuniary interest. The filing notes that the direct figure includes 3,480,811 unvested RSUs, each representing a contingent right to receive one Class A Share, which remain subject to continued service-based vesting.
BlackRock, Inc. amended a Schedule 13G to report beneficial ownership of NU HOLDINGS LTD Class A stock. The filing shows 320,296,474 shares, representing 8.4% of the Class A shares. The cover references 03/31/2026 and the amendment was signed on 04/24/2026. The filing breaks out voting and dispositive power as 304,546,397 shares with sole voting power and 320,296,474 shares with sole dispositive power, and states various persons may have rights to dividends or proceeds.
Nu Holdings Ltd. director Diego Piacentini filed an initial ownership report showing his equity stake in the company. He holds 7,503 Class A ordinary shares underlying unvested Restricted Share Units, each RSU representing a contingent right to one share and requiring continued service to vest. He also has indirect exposure to 346,330 Class A Shares through a family-owned corporation and disclaims beneficial ownership of those securities except to the extent of his pecuniary interest.
Nu Holdings Ltd. Chief Risk Officer Henrique Fragelli exercised employee stock options to acquire Class A shares. He exercised options for 1,767,000 shares at an exercise price of $0.2919 per share and 594,450 shares at $0.4283 per share, totaling 2,361,450 shares acquired through option exercises.
Following these transactions, he directly holds 4,676,640 Class A shares. This figure includes 1,036,545 Class A shares underlying unvested Restricted Share Units, which will only be delivered if continued service conditions are met. No open-market purchases or sales were reported in this filing.
Nu Holdings Ltd. filed its Annual Report on Form 20-F with the U.S. Securities and Exchange Commission, covering the fiscal year ended December 31, 2025. The company states that the full audited financial statements are available on its investor relations website and that shareholders can request a hard copy free of charge via email.