Nu Holdings (NYSE: NU) submits 2025 annual Form 20-F report

Rhea-AI Filing Summary

Nu Holdings Ltd. filed its Annual Report on Form 20-F with the U.S. Securities and Exchange Commission, covering the fiscal year ended December 31, 2025. The company states that the full audited financial statements are available on its investor relations website and that shareholders can request a hard copy free of charge via email.

Key Terms

Form 6-K, Form 20-F, foreign private issuer, Exchange Act of 1934, +1 more

5 terms

Form 6-K regulatory

"SECURITIES AND EXCHANGE COMMISSION FORM 6-K Report of Foreign Private Issuer"

A Form 6-K is a report that companies listed in certain countries file to provide important updates, such as financial results, corporate changes, or other significant information, to regulators and investors. It functions like an official company update or news release, helping investors stay informed about developments that could affect their investment decisions.

Form 20-F regulatory

"it has filed today, April 8, its Annual Report on Form 20-F"

Form 20-F is the standardized annual disclosure that non-U.S. companies must file with the U.S. securities regulator when their shares are traded in the U.S.; it contains audited financial statements, a plain-language description of the business, management discussion, governance details and key risk factors. It matters to investors because it provides a consistent, comparable company “report card” and rulebook, helping buyers assess financial health, governance and risks before investing.

foreign private issuer regulatory

"FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16"

A foreign private issuer is a company organized outside the United States that meets tests showing it is primarily foreign-controlled and therefore qualifies for a different set of U.S. reporting rules. For investors, that means the company files less frequent or differently formatted disclosures with U.S. regulators and may follow home-country accounting and governance practices, so buying its stock is like dining at a well-reviewed restaurant that follows its home kitchen’s rules instead of the local menu — you get access but should check what standards apply.

Exchange Act of 1934 regulatory

"Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934"

A foundational U.S. law that sets the rules for how securities are bought, sold and reported after companies go public. It requires regular disclosure of financial and business information, outlaws insider trading and gives a federal regulator authority to police exchanges and brokers; think of it as the referee and scoreboard that help keep markets fair, transparent and safer for investors.

audited financial statements financial

"Form 20-F, which contains our complete audited financial statements, free of charge"

Audited financial statements are a company's financial reports—like its income, expenses, assets and debts—that have been examined and verified by an independent accountant to confirm they are accurate and complete. For investors, an audit is like having a trusted mechanic inspect a used car: it increases confidence that the financial picture is reliable, reduces the risk of hidden problems, and supports better decisions about valuing or trusting the company.

Form 6-K: How Foreign Companies Report to the SEC →

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

For the month of April, 2026

Commission File Number 001-41129

Nu Holdings Ltd.

(Exact name of registrant as specified in its charter)

Nu Holdings Ltd.

(Translation of Registrant's name into English)

Campbells Corporate Services Limited, Floor 4, Willow House, Cricket Square, KY1-9010 Grand Cayman, Cayman Islands

+1 345 949 2648

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.

Form 20-F (X) Form 40-F

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes No (X)

NOTICE TO THE MARKET

NU HOLDINGS LTD.

Grand Cayman, Cayman Islands, April 8, 2026 - Nu Holdings Ltd. ("Nu" or the "Company") (NYSE: NU) hereby informs its shareholders and the market that it has filed today, April 8, its Annual Report on Form 20-F (“Form 20-F”) with the U.S. Securities and Exchange Commission ("SEC"). This document refers to the fiscal year ended December 31, 2025.

The documents have been posted on our Investor Relations website: https://www.investidores.nu/en/

Company shareholders may receive a hard copy of the Form 20-F, which contains our complete audited financial statements, free of charge, upon request. Requests should be directed to: investors@nubank.com.br

Investor Relations
Guilherme Souto

investors@nubank.com.br

Media Relations
Leila Suwwan
press@nubank.com.br

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Nu Holdings Ltd.
	By:	/s/ Guilherme Souto
		Guilherme Souto Investor Relations Officer

Date:  April 8, 2026

FAQ

What did Nu Holdings Ltd. (NU) file with the SEC?

Nu Holdings Ltd. filed its Annual Report on Form 20-F with the U.S. Securities and Exchange Commission. This report covers the fiscal year ended December 31, 2025 and includes the company’s complete audited financial statements for that period.

Which fiscal period does Nu Holdings’ latest Form 20-F cover?

The latest Form 20-F from Nu Holdings Ltd. covers the fiscal year ended December 31, 2025. This annual report provides audited financial statements and related disclosures for the company’s operations during that full year period.

Where can investors access Nu Holdings’ 2025 Form 20-F?

Investors can access Nu Holdings’ 2025 Form 20-F on the company’s Investor Relations website at https://www.investidores.nu/en. The company indicates that the complete audited financial statements are posted there for shareholders and the broader market.

Can Nu Holdings shareholders request a hard copy of the Form 20-F?

Yes. Nu Holdings states that shareholders may request a hard copy of its Form 20-F, including the complete audited financial statements, free of charge. Requests should be sent by email to the company at investors@nubank.com.br.

Who is the investor relations contact for Nu Holdings’ Form 20-F?

The investor relations contact is Guilherme Souto, Investor Relations Officer at Nu Holdings Ltd. Shareholders are directed to reach the investor relations team via the email address investors@nubank.com.br for requests and further information.

Does Nu Holdings file under Form 20-F or Form 40-F?

Nu Holdings confirms it files annual reports under Form 20-F, not Form 40-F. This classification reflects its status as a foreign private issuer reporting annual audited financial information under that specific SEC reporting framework.