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Nu Holdings Ltd.

Nu Holdings Ltd. is a holding company.1 It is headquartered in Cayman Islands.1

$14.58 down 0.15 (1.02%)Price as of Oct 16, 2026 at 19:58 UTC

Last updated Oct 21, 2026.

Overview

$11.5BRevenue, fiscal 20244
$2.0BNet income, fiscal 20244

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  • TickerNU on NYSE1
  • IndustryFinance Services1
  • HeadquartersCayman Islands1
  • Incorporated inCayman Islands5
  • Business addressRua Capote Valente, 39, Pinheiros, Sao Paulo, Sp, D5 05409-0005
  • Filer categoryLarge accelerated filer5

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4, Willow House, Cricket Square, Grand Cayman, KY1-9010, Cayman Islands, and our telephone number at this address is +1 345 949 2648.6 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2024

45.6%Gross margin4
17.1%Net margin4
43.4%Revenue growth, 20244
25.8%Return on equity4

Where the money goes

Where each dollar of revenue went, fiscal 2024

  • Other costs51¢$5.9B
  • Interest25¢$2.8B
  • Income tax7¢$823.1M
  • Profit17¢$2.0B

Out of $11.5B in revenue.4

Where each dollar of operating cash went, fiscal 2024

  • Kept or used elsewhere100¢$2.4B

Out of $2.4B of cash from operations.4

Financial statements

Revenue7894$11.5B in 2024+1782% since 2019
0$5.0B$10.0B$15.0B2019: $612.1M$612.1M20192020: $737.1M$737.1M2020+20%2021: $1.7B$1.7B2021+130%2022: $4.8B$4.8B2022+182%2023: $8.0B$8.0B2023+68%2024: $11.5B$11.5B2024+43%
Gross profit7894$5.3B in 2024+2019% since 2019
0$2.0B$4.0B$6.0B2019: $247.9M$247.9M20192020: $326.9M$326.9M2020+32%2021: $732.9M$732.9M2021+124%2022: $1.7B$1.7B2022+127%2023: $3.5B$3.5B2023+110%2024: $5.3B$5.3B2024+50%
Net income7894$2.0B in 2024
-$1.0B0$1.0B$2.0B2019: -$92.5M-$92.5M20192020: -$171.5M-$171.5M2020+85%2021: -$165.3M-$165.3M2021−4%2022: -$364.6M-$364.6M2022+121%2023: $1.0B$1.0B20232024: $2.0B$2.0B2024+91%

Every line of the income statement as filed: the last 3 fiscal years, latest first.10

Period ending2025-12-312024-12-312023-12-31
Interest income and gains net of losses on financial instruments$13.4B$9.6B$6.4B
Fee and commission income$2.3B$1.9B$1.6B
Total revenue$15.8B$11.5B$8.0B
Interest and other financial expenses-$4.6B-$2.8B-$2.0B
Transactional expenses-$366.2M-$260.3M-$215.9M
Expected credit loss-$4.2B-$3.2B-$2.3B
Total cost of financial and transactional services provided-$9.1B-$6.3B-$4.5B
Gross profit$6.6B$5.3B$3.5B
Customer support and operations-$651.8M-$604.6M-$488.1M
General and administrative expenses-$1.4B-$1.3B-$1.0B
Marketing expenses-$302.8M-$246.4M-$171.0M
Other expenses-$507.9M-$406.6M-$278.2M
Other income$130.1M$56.0M$27.8M
Total operating (expenses) income-$2.8B-$2.5B-$2.0B
Share of loss in associates-$3.7M
Income before income taxes$3.9B$2.8B$1.5B
Income taxes-$996.7M-$823.1M-$508.5M
Net income for the year$2.9B$2.0B$1.0B
Net income attributable to shareholders of the parent company$2.9B$2.0B$1.0B
Net income attributable to non-controlling interests$2.8M
Net income for the year$2.9B$2.0B$1.0B
Earnings per share Basic$0.59$0.41$0.22
Earnings per share Diluted$0.58$0.40$0.21
Weighted average number of outstanding shares Basic (in thousands of shares)4.8B shares4.8B shares4.7B shares
Weighted average number of outstanding shares Diluted (in thousands of shares)4.9B shares4.9B shares4.9B shares

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Corporate structure

Nu Holdings Ltd. sits at the top of its group. 4 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Nu Holdings Ltd.

  • Nu Holdings Ltd. Cayman Islands
    • Nubank Subsidiary · Berlin
      • Nu Colombia S.A. Subsidiary
    • Nu Financeira S.A. Subsidiary

Built from subsidiaries, stakes and holdings from Wikidata (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Nu Holdings Ltd. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, net$25.9M4 Dec 31, 2024$39.3M4 Dec 31, 2023−34.1%
Operating-lease assets (leased space)$20.3M4 Dec 31, 2024$30.5M4 Dec 31, 2023−33.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$9.2B4 Dec 31, 2024$5.9B4 Dec 31, 2023+55.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$414.3M4 Dec 31, 2024$397.5M4 Dec 31, 2023+4.2%
Intangible assets, net (excluding goodwill)$347.6M4 Dec 31, 2024$295.9M4 Dec 31, 2023+17.5%

Leadership

Who has led Nu Holdings Ltd., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Cristina Helena Zingaretti Junqueira2026–now
  2. Osorno David Velez2026–now

Chair

  1. Osorno David Velez2026–now

Chief financial officer

  1. Guilherme Marques Lago2026–now
Board members and other officers (9)

Subsidiaries and ownership

Subsidiaries

From Wikidata.1

Timeline

  1. Mar 18, 2026New chief executive Osorno David Velez becomes CEO12
  2. Mar 18, 2026New chief executive Cristina Helena Zingaretti Junqueira becomes CEO11

Calendar

Coming up

  1. Nov 12, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.17 a share, on Nov 13, 2025.23

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

368 filings to the SEC since October 2021: 5 annual reports, 43 insider forms, 26 large holders, 294 other. The latest 20:

  1. Oct 7, 20264 EDGAR
  2. Oct 5, 2026144 EDGAR
  3. Sep 30, 20266-K EDGAR
  4. Sep 30, 20264 EDGAR
  5. Sep 30, 20263 EDGAR
  6. Sep 10, 20266-K EDGAR
  7. Sep 2, 20266-K EDGAR
  8. Aug 26, 20264 EDGAR
  9. Aug 26, 20264 EDGAR
  10. Aug 26, 20264 EDGAR
  11. Aug 26, 20264 EDGAR
  12. Aug 26, 20264 EDGAR
  13. Aug 25, 2026144 EDGAR
  14. Aug 24, 2026144 EDGAR
  15. Aug 18, 20264 EDGAR
  16. Aug 18, 20264 EDGAR
  17. Aug 17, 2026144 EDGAR
  18. Aug 17, 2026144 EDGAR
  19. Aug 14, 2026144 EDGAR
  20. Aug 14, 2026144 EDGAR

The 368 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

6 open-market trades by officers, directors and large owners since October 2021: 0 buys and 6 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 25, 2026Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth OfficerSale65,000$14.71$956.1KForm 4
Aug 24, 2026Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth OfficerSale25,000$15.00$375.0KForm 4
Aug 14, 2026Fragelli Henrique Camossa SaldanhaChief Risk OfficerSale221,707$15.81$3.5MForm 4
Aug 14, 2026Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth OfficerSale50,000$15.80$790.0KForm 4
May 15, 2026Sands Anita MDirectorSale21,000$12.24$257.0KForm 4
Mar 23, 2026Junqueira Cristina Helena ZingarettiUS CEO & Chief Growth OfficerSale300,000$14.82$4.4MForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Members of Congress who traded it

16 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
May 23, 2025Robert P. Bresnahan, Jr.Republican, HouseSale$1,001 - $15,000+10.4%Report
Apr 10, 2025Byron DonaldsRepublican, HouseSale$1,001 - $15,000+3.4%Report
Apr 10, 2025Byron DonaldsRepublican, HouseSale$1,001 - $15,000+3.4%Report
Mar 10, 2025Robert P. Bresnahan, Jr.Republican, HouseBuy$1,001 - $15,000+7.9%Report
Oct 1, 2024Byron DonaldsRepublican, HouseBuy$1,001 - $15,000−26.1%Report
Oct 1, 2024Byron DonaldsRepublican, HouseBuy$1,001 - $15,000−26.1%Report
Oct 11, 2023Tommy TubervilleRepublican, SenateSale$100,001 - $250,000−11.0%Report
May 8, 2023Tommy TubervilleRepublican, SenateBuy$15,001 - $50,000+61.8%Report
Dec 19, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+173.6%Report
Nov 1, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+88.7%Report
Oct 13, 2022Tommy TubervilleRepublican, SenateBuy$15,001 - $50,000+142.3%Report
Oct 11, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+143.5%Report
Oct 6, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+107.3%Report
Sep 6, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000+114.6%Report
Mar 22, 2022Tommy TubervilleRepublican, SenateBuy$1,001 - $15,000−12.0%Report
Mar 21, 2022Tommy TubervilleRepublican, SenateBuy$15,001 - $50,000+21.2%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Nu Holdings Ltd. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARNu Holdings Ltd.2
  • CIK0001691493
  • Employer ID (EIN)98-13023202
  • Filer statusLarge accelerated filer not an emerging growth company; a shell company6
  • Incorporated inCayman Islands6
  • Fiscal year endsDecember 312
  • Industry code (SIC)6199 Finance Services2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business addressRua Capote Valente, 39, Pinheiros, Sao Paulo, Sp, D5 05409-0002
  • Phone888-888-88882
  • Shares outstanding3,833,072,934 Class A shares; 1,022,600,698 Class B shares as of Dec 31, 20256
  • AuditorKPMG Auditores Independentes Ltda., São Paulo PCAOB ID 1124; it also attests to the company’s internal control over financial reporting6
  • On EDGAR sinceDec 9, 20162
  • Filings383 in all: 6-K (166), 144 (102), 4 (28), 3 (15), SC 13G/A (10), D (9), SC 13G (8), SCHEDULE 13G/A (7)2
    All 24 form types

    CORRESP (6), 20-F (5), 6-K/A (5), UPLOAD (5), DRSLTR (3), 144/A (2), DRS/A (2), F-1/A (2), 424B1 (1), 8-A12B (1), CERT (1), DRS (1), EFFECT (1), F-1 (1), S-8 (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (20-F) Apr 8, 2026

Securities registered for trading

ClassSymbolExchange
Class A ordinary sharesNUNew York Stock Exchange

From the cover page of the 20-F filed Apr 8, 2026 (Section 12(b) of the Exchange Act).6

Sources

The numbers on this page point here. Each one links to the record it came from.

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