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 Anita M. Sands filed an initial ownership report showing she holds 183,150 Class A ordinary shares as of March 18, 2026. This figure includes 13,962 Class A ordinary shares underlying unvested restricted share units that will vest only if her service continues through the vesting dates.
Nu Holdings Ltd. director Pham Thuan filed an initial ownership report showing holdings of 110,171 Class A ordinary shares. This figure includes 10,677 shares underlying unvested restricted share units, which each convert into one Class A share if the director continues service through the vesting dates.
Nu Holdings Ltd. director Marcus David filed an initial ownership report showing 629,749 Class A ordinary shares held directly as of March 18, 2026. This figure includes 11,498 Class A shares underlying unvested RSUs, which will vest only if his service with the company continues.
Nu Holdings Ltd. executive Cristina Helena Zingaretti Junqueira, US CEO & Chief Growth Officer, filed an initial Form 3 detailing her ownership in the company. The filing lists direct holdings of 2,623,395 Class A ordinary shares, including 1,285,395 unvested RSUs, and multiple indirect positions in Class A and Class B shares held through family trusts and estate planning vehicles. The Class B ordinary shares are convertible into Class A Shares on a 1-for-1 basis and have no expiration date.
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.