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Nu Holdings Ltd. Stock: price and insider trades · United States
Nu Holdings Ltd.: what insiders have been doing
Nu Holdings Ltd. is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). The last twelve months, up to 18 October 2026, brought 37 filings signed by 19 insiders.
All open-market trades in the period are sales: 6 sales worth €8.0M, by 2 insiders, with no purchase on record. One trade stands out by size: a sale of €3.0M from Fragelli Henrique Camossa Saldanha, disclosed on 18 August 2026, or 0.0053% of market capitalisation.
Filings reach the SEC (Form 4) feed a median of 4 days after the trade. For comparison, the SEC allows two business days to file a Form 4. Sales are harder to read than purchases, since they often meet personal needs such as tax or diversification.
For context, the typical company on the same exchange (median of 5,816 companies) published 19 filings over the same period, against 37 filings here. Looking back to 2022, when coverage begins, insiders filed 3 purchases and 81 sales.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
218
Thresholds
n/a
Buy Volume
€874,358
3 ops. · all time
Sell Volume
€357M
81 ops. · all time
Who traded when
BuySaleCristina Helena Zingaretti Junqueira5 sales
Henrique Camossa Saldanha Fragelli1 sale
Analyst consensus: bullish or bearish?
Analysts rate Nu Holdings Ltd. Buy (bullish), based on 22 analysts. Average price target: US$18.77.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,679 of 24,161 companies
76.8
score / 100
Value61
Quality93
FCF yld4.4%
Earn yld4.0%
EV/EBITDA·
ROE32%
Gross mgn·
Net mgn27%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$14.73
Analyst consensus
22 analystsBuy
US$12.00Target US$18.77(+27%)US$23.00
Income statement
RevenueUS$10.6B
Net incomeUS$2.9B42.7% margin
Valuation
PER (trailing)20.2x
PER (forward)13.1x
P/Book5.4x
Beta0.96
Balance sheet & cash
Market capUS$71.2B
Total debtUS$1.9B
Free Cash FlowUS$3.2B
Profitability & ownership
ROE31.6%
ROA5.0%
% insiders2.1%
% institutions82.1%
Last declaration on 16 October 2026
Declarations218 total
13,577,733 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-015746:0
25,000 shares@ US$15.01450.0005% mcap6.5% of flowClass A ordinary shares ("Class A Shares")SEC:0000950103-26-015323:0
25,000 shares@ US$13.430.0005% mcap24.6% of flowCommonSEC144:0001950047-26-010032
1,430,908 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-014871:0
25,000 shares@ US$15.000.0006% mcap6.6% of flowClass A ordinary shares ("Class A Shares")SEC:0000950103-26-012947:0
65,000 shares@ US$14.71470.0014% mcap16.9% of flowClass A SharesSEC:0000950103-26-012947:1
1,356 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012924:0
1,017 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012927:0
1,356 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012926:0
1,356 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012928:0
65,000 shares@ US$14.71470.0014% mcap100.0% of flowCommonSEC144:0001950047-26-008662
25,000 shares@ US$14.580.0005% mcap34.1% of flowCommonSEC144:0001950047-26-008602
50,000 shares@ US$15.800.0012% mcap14.1% of flowClass A ordinary shares ("Class A Shares")SEC:0000950103-26-012569:0
221,707 shares@ US$15.81020.0053% mcap75.8% of flowClass A ordinary shares ("Class A Shares")SEC:0000950103-26-012570:0
100,000 shares@ US$14.95410.0022% mcap100.0% of flowCommonSEC144:0001950047-26-008257
221,707 shares@ US$15.81020.0053% mcap100.0% of flowCommonSEC144:0001950047-26-008124
50,000 shares@ US$13.930.0010% mcap65.9% of flowCommonSEC144:0001950047-26-008144
23,483 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012215:0
25,290 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012218:0
25,290 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012217:0
30,709 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012219:0
23,483 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012220:0
25,290 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012222:0
23,483 shares0Class A ordinary shares ("Class A Shares")SEC:0000950103-26-012214:0
25 of 218 declarations
About Nu Holdings Ltd.
Nu Holdings Ltd. is the parent company of Nubank, one of the world’s largest digital financial services platforms. The company is listed in the United States on the NYSE under ticker NU. While its equity market listing is in the United States, the operating heart of the business is in Latin America, with a major management and operational hub in São Paulo. Founded in 2013 by David Vélez together with Cristina Junqueira and Edward Wible, Nu was built to challenge a financial system perceived as too complex, expensive, and inefficient. Its model is rooted in digital distribution, proprietary technology, data science, and a customer-centric product design philosophy.
Nu’s business spans digital banking and financial services. Core offerings include credit cards, checking and interest-bearing accounts, personal and secured loans, payments, and, depending on the market, savings, investment, and insurance products. Over time, Nubank has evolved from a credit-card-led challenger into a multi-product, multi-segment, multi-country platform. This broadening of the product set is strategically important because it increases customer engagement, deepens wallet share, improves retention, and supports higher lifetime value per customer.
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From a competitive standpoint, Nu has become a leading neobank in Latin America, with operations centered on Brazil and expanded into Mexico and Colombia. It has built a powerful brand around simplicity, transparency, low fees, and a fast digital onboarding experience. Its scale, organic growth engine, and technology stack provide a meaningful competitive moat versus traditional banks and smaller fintech peers. For investors, the key analytical questions are whether the company can sustain rapid customer acquisition while continuing to improve monetization, risk discipline, and profitability.
Recent developments reinforce that narrative. In first-quarter 2026 results, Nu said it had surpassed 135 million customers, posted quarterly revenue above $5 billion for the first time, generated $871 million in net income, and delivered a 29% ROE. Management also highlighted its AI transformation as a strategic priority and continued product expansion. Taken together, Nu Holdings remains a high-growth financial platform with an increasingly diversified revenue base and a clear focus on operational leverage, making it one of the more closely watched Finance & Banking names on the NYSE/NASDAQ universe.
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