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. reports strong 2025 growth, serving 131 million customers across Brazil, Mexico and Colombia and positioning itself as one of the world’s largest digital financial platforms.
Total deposits rose 29% year-on-year on an FX-neutral basis to US$41.9 billion, while the interest-earning portfolio grew 47% on the same basis to US$18.5 billion, highlighting deepening customer monetization.
Revenues increased 37% year-over-year to US$15.8 billion in 2025 and net income grew 45% to US$2.9 billion, underscoring the scalability of Nu’s fully digital, data-driven model. Brazil generated US$11,038.3 million of revenue, Mexico US$808.1 million and other countries US$237.3 million, reflecting both geographic diversification and Brazil’s continued dominance in the business.
Nu Holdings Ltd. reported that entities associated with US CEO & Chief Growth Officer Cristina Helena Zingaretti Junqueira sold a total of 300,000 Class A ordinary shares in open-market transactions on March 23, 2026. The sales, executed by a family trust, were split into 220,000 shares at a weighted average price of $14.8151 and 80,000 shares at a weighted average price of $14.8105, across multiple trades within narrow price ranges around those levels.
After these transactions, family trusts associated with Junqueira continued to report holdings of 4,977,593 and 2,312,338 Class A shares, with additional indirect holdings of 490,899 shares and 1,539,000 shares, and a direct holding of 2,623,395 shares. A disclosed figure of 1,285,395 Class A shares represents unvested restricted share units that may vest only if her service continues. The filing states that she disclaims beneficial ownership of certain securities except to the extent of her pecuniary interest.
Nu Holdings Ltd. Chief Technology Officer Eric Young filed an initial ownership report for Class A ordinary shares. The filing lists 407,860 shares held indirectly through a family trust, where he disclaims beneficial ownership except for any pecuniary interest, and 4,948,232 Class A shares underlying unvested restricted share units that vest only with continued service.
Nu Holdings Ltd. filed an initial insider report for Chief Financial Officer Guilherme Marques Lago, showing his equity stake in the company. He directly holds 7,000,375 Class A ordinary shares, giving him substantial exposure to the company’s performance.
The figure includes 4,879,699 Class A ordinary shares underlying unvested Restricted Share Units, each RSU representing a right to receive one share if service conditions are met. He also holds a fully vested employee stock option to buy 1,500,000 Class A Shares at an exercise price of 0.4283 per share, expiring on June 10, 2029.
Nu Holdings Ltd. filed an initial ownership report for Chief Risk Officer Henrique Fragelli. He reports direct ownership of 2,315,190 Class A ordinary shares, a figure that includes 1,036,545 Class A shares underlying unvested restricted share units that vest subject to continued service.
He also holds employee stock options to acquire 1,767,000 Class A shares at an exercise price of $0.2919 per share expiring on July 2, 2028, and options to acquire 594,450 Class A shares at $0.4283 per share expiring on July 1, 2029. These options are described as fully vested and exercisable.
Nu Holdings Ltd. director Douglas M. Leone filed an initial ownership report showing his existing stake in the company. He holds 173,575 Class A ordinary shares directly, including 11,498 shares underlying unvested RSUs tied to prior grants and continued service.
He also reports indirect ownership of 27,753,845 Class A Shares through a family trust and 1,740,390 Class A Shares through family limited partnerships. He disclaims beneficial ownership of these indirect holdings except to the extent of his pecuniary interest.
Nu Holdings Ltd. director, Chairman and CEO, and more-than-10% owner David Velez Osorno filed an initial ownership report detailing his shareholdings. The filing is a snapshot of existing positions rather than new buy or sell activity.
He indirectly holds Class B ordinary shares that are convertible into Class A shares on a 1-for-1 basis, including 901,624,498 Class B shares through Rua California Ltd. and 1,500,000 Class B shares held by his spouse. He also directly owns 6,250,761 Class A ordinary shares, which include 3,861,558 Class A shares underlying unvested restricted share units that vest based on his continued service. Additional indirect holdings include 698,914 Class A shares held through Rua California Ltd. The filing notes that he disclaims beneficial ownership of certain securities except to the extent of his pecuniary interest.
Nu Holdings Ltd. director Jacqueline D. Reses filed an initial ownership report showing beneficial ownership of 18,658 Class A ordinary shares. This figure includes 12,320 shares underlying unvested restricted share units, which will vest over time if her service with the company continues.