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. filed a Form 144 reporting a proposed sale of 33,000,000 Class A ordinary shares through J.P. Morgan Securities LLC on the New York Stock Exchange with an aggregate market value of $435,600,000. The shares were obtained on December 8, 2021 in an exchange of Class B ordinary shares with the issuer and payment recorded as an exchange of assets. The filing lists 3,768,057,942 shares outstanding, indicating the proposed sale represents approximately 0.88% of outstanding shares. No securities were reported sold in the past three months and no additional remarks disclose material nonpublic information.
Nu Holdings delivered another strong quarter in Q2’25, combining rapid growth with rising profitability. Revenue reached $3.7 billion, up 40% year over year on an FX-neutral basis, while net income climbed to a record $637 million, up 42% FX-neutral. Return on equity remained high at 28%, showing the business is converting growth into solid earnings.
The customer base grew to 122.7 million, with 4.1 million net additions and an activity rate above 83%, supporting monthly average revenue per active customer of $12.2 and cost to serve of just $0.8. Deposits rose to $36.6 billion, up 41% FX-neutral, and the total credit portfolio reached $27.3 billion. In Brazil, early-stage delinquencies (15–90 days NPL) improved to 4.4%, while 90+ day NPLs were 6.6%. The efficiency ratio edged up to 28.3% due to RSU expenses and higher marketing, as the company continues to invest in growth.
Nu Holdings Ltd. reports strong Q2 2025 performance, highlighted by net income of $637.0M and adjusted net income of $694.5M. These results translate into an annualized ROE of 28% and adjusted ROE of 31%, showing the digital bank is scaling profitably.
The company continues to expand across Latin America, serving large mass‑market and SME segments and growing a diversified credit portfolio. The total loan and credit card portfolio reached $27.3B on an FX‑neutral basis, while deposits rose to $36.6B, supporting a loan‑to‑deposit ratio of 43%. Net interest income was $2,098.8M with a net interest margin of 17.7%, and risk‑adjusted NIM rebounded to 10.1% as credit loss allowance trends improved.
Asset quality in the Brazilian consumer portfolio tracked internal expectations, with delinquency and formation ratios contained and strong coverage levels. The coverage ratio over 90+ day NPLs was around 215%. Nu also reports a robust balance sheet, with a capital ratio of 32% and a liquidity ratio of 469%, providing a sizable cushion to support continued growth.
Nu Holdings (NU) filing presents fragments of the group’s interim financial disclosures and notes, showing product lines, consolidated subsidiaries in Brazil, Mexico and Colombia, and selected balance sheet and funding details. The filing explicitly states regulatory approval in Mexico: on April 24, 2025 Nu Mexico Financiera received CNBV approval to begin conversion into a bank. Key funding and market exposures disclosed include repurchase agreements of US$1,064,482 (US$308,583 at 12/31/2024) with government bonds pledged of US$885,980, receivables pledged of US$94,325, and a margin loan facility balance of US$544,000 (US$200,000 at 12/31/2024).
The filing lists product and revenue line items (credit cards, NuAccount, loans, interchange, rewards), risk-management disclosures (IFRS/IAS amendments, ECL methodology, collateral and liquidity metrics), and select investments valued at US$12,881 (level 3). It also notes financial debt instruments including financial bills with principal equivalent to US$1,580,488 and syndicated facilities details. The document is largely a collection of notes and captions rather than complete numeric financial statements in this excerpt.
Nu Holdings Ltd. disclosed that Capital Research Global Investors is the beneficial owner of 194,880,670 shares, equal to 5.2% of the company’s approximately 3,768,057,942 shares outstanding. The filing shows sole voting power for 194,641,745 shares and sole dispositive power for 194,880,670 shares, with no shared voting or dispositive power reported. The reporting person identifies itself as an investment adviser organized in Delaware and certifies the securities were acquired and are held in the ordinary course of business, not to change or influence control of the issuer. This document is an amendment updating the Schedule 13G disclosure for the reporting person.