Baillie Gifford (NU) reports 5.99% beneficial stake in Nu Holdings common stock

Rhea-AI Filing Summary

Nu Holdings Ltd. has an amended Schedule 13G filing showing that investment adviser Baillie Gifford & Co reports beneficial ownership of 229,930,331 shares of Nu Holdings common stock, representing 5.99% of the class as of June 30, 2026. Baillie Gifford & Co has sole voting power over 158,965,532 shares and sole dispositive power over the full 229,930,331 shares, with no shared voting or dispositive power reported. The position is held by Baillie Gifford & Co and/or its investment adviser subsidiaries, including Baillie Gifford Overseas Limited, on behalf of investment advisory clients such as investment companies, employee benefit plans, pension funds, or other institutional clients.

Key Figures

Beneficial ownership: 229,930,331 shares Percent of class: 5.99% Sole voting power: 158,965,532 shares +3 more

6 metrics

Beneficial ownership 229,930,331 shares Shares of Nu Holdings common stock beneficially owned by Baillie Gifford & Co

Percent of class 5.99% Percentage of Nu Holdings common stock class beneficially owned as of June 30, 2026

Sole voting power 158,965,532 shares Shares over which Baillie Gifford & Co has sole power to vote or direct the vote

Shared voting power 0 shares Shares over which Baillie Gifford & Co has shared power to vote

Sole dispositive power 229,930,331 shares Shares over which Baillie Gifford & Co has sole power to dispose or direct disposition

Shared dispositive power 0 shares Shares over which Baillie Gifford & Co has shared power to dispose

Key Terms

Schedule 13G, beneficially owned, sole voting power, sole dispositive power, +1 more

5 terms

Schedule 13G regulatory

"Securities reported on this as being beneficially owned by Baillie Gifford & Co."

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

beneficially owned financial

"Amount beneficially owned: 229,930,331"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

sole voting power financial

"Sole power to vote or to direct the vote: 158,965,532"

Sole voting power is the exclusive right to cast votes attached to a shareholder’s stock without needing approval from anyone else. Like holding the only remote control for a TV, it lets that holder decide corporate matters such as board members, mergers, and policy changes, making it important to investors because it concentrates control and can strongly influence a company’s strategy and the value of its shares.

sole dispositive power financial

"Sole power to dispose or to direct the disposition of: 229,930,331"

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

Investment Adviser financial

"Securities reported on this as being beneficially owned by Baillie Gifford & Co."

An investment adviser is a person or firm that professionally manages money and gives recommendations about buying, selling, or holding investments. Like a financial coach or guide, they have a legal duty to act in a client's best financial interest, so their advice, fees and potential conflicts can directly affect returns and risk — making their role important for investors who want informed, accountable help with portfolios.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What stake in Nu Holdings Ltd. (NU) does Baillie Gifford & Co report in this Schedule 13G/A?

Baillie Gifford & Co reports beneficial ownership of 229,930,331 shares of Nu Holdings common stock, representing 5.99% of the outstanding class as of June 30, 2026, according to the amended Schedule 13G filing.

How much voting power in Nu Holdings (NU) does Baillie Gifford & Co have under this filing?

Baillie Gifford & Co reports sole voting power over 158,965,532 shares of Nu Holdings common stock and no shared voting power, indicating it alone can vote or direct the vote for those shares.

What dispositive power over Nu Holdings (NU) shares does Baillie Gifford & Co disclose?

Baillie Gifford & Co discloses sole dispositive power over 229,930,331 shares of Nu Holdings and no shared dispositive power, meaning it can alone decide on the sale or disposition of those shares.

On whose behalf does Baillie Gifford & Co hold its Nu Holdings (NU) position?

The Nu Holdings shares are held by Baillie Gifford & Co and its adviser subsidiaries on behalf of investment advisory clients, including registered investment companies, employee benefit plans, pension funds, and other institutional clients.

What is the role of Baillie Gifford & Co in relation to Nu Holdings (NU) under this Schedule 13G/A?

Baillie Gifford & Co is identified as an Investment Adviser that beneficially owns Nu Holdings shares for clients. It certifies that its foreign regulatory regime is substantially comparable to that of functionally equivalent U.S. institutions.

When was this amended Schedule 13G/A for Nu Holdings (NU) signed and by whom?

The amendment was signed on August 3, 2026 by Grant Meikle, who is identified as Regulatory Reporting Manager, certifying the information and regulatory comparability statement in the filing.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 2)

Nu Holdings Ltd.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

G6683N103

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): G6683N103

1

Names of Reporting Persons

BAILLIE GIFFORD & CO

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED KINGDOM

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 158,965,532.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 229,930,331.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

229,930,331.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.0 %

12

Type of Reporting Person (See Instructions)

IV

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Nu Holdings Ltd.
(b)	Address of issuer's principal executive offices: RUA CAPOTE VALENTE, 39, RUA CAPOTE VALENTE, 39, SAO PAULO, SP, BRAZIL, 05409-000.
Item 2.
(a)	Name of person filing: Baillie Gifford & Co
(b)	Address or principal business office or, if none, residence: 3 Haymarket Square Edinburgh EH3 8RY
(c)	Citizenship: Scotland
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: G6683N103
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
	Investment Adviser
Item 4.	Ownership
(a)	Amount beneficially owned: 229,930,331
(b)	Percent of class: 5.99 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 158,965,532
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 229,930,331
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. Securities reported on this Schedule 13G as being beneficially owned by Baillie Gifford & Co. are held by Baillie Gifford & Co. and/or one or more of its investment adviser subsidiaries, which may include Baillie Gifford Overseas Limited, on behalf of investment advisory clients, which may include investment companies registered under the Investment Company Act, employee benefit plans, pension funds or other institutional clients.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ? 240.14a-11. By signing below I certify that, to the best of my knowledge and belief, the foreign regulatory scheme applicable to Investment Adviser is substantially comparable to the regulatory scheme applicable to the functionally equivalent U.S. institution(s). I also undertake to furnish to the Commission staff, upon request, information that would otherwise be disclosed in a Schedule 13D.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

BAILLIE GIFFORD & CO

Signature:	Grant Meikle
Name/Title:	Regulatory Reporting Manager
Date:	08/03/2026