Microsoft vs Nubank: Founders, CEOs and History
Microsoft was founded in 1975 by Bill Gates, Paul Allen and is led by Satya Nadella. Nubank was founded in 2013 by David Vélez Osorno, Cristina Helena Zingaretti Junqueira, Edward Wible and is led by David Vélez.
Company facts
Founders
Microsoft
Bill Gates
Microsoft was founded in 1975 in Albuquerque, New Mexico, by Bill Gates and Paul Allen, childhood friends from Seattle who had spent their teenage years finding ways to get free time on mainframe computers.
Paul Allen
Paul Allen co-founded Microsoft and was crucial to its earliest technical and strategic decisions. He helped develop Altair BASIC, gave the company its original name, and participated in the operating-system opportunity that led to MS-DOS.
Nubank
David Vélez Osorno
David Vélez was born in Medellín, Colombia, studied engineering and earned an MBA at Stanford, and worked at Morgan Stanley, Goldman Sachs, General Atlantic and Sequoia Capital before founding Nubank in 2013.
Cristina Helena Zingaretti Junqueira
Cristina Junqueira co-founded Nubank in 2013 and helped design its early credit card and customer-service model. After the 2021 IPO she became one of Brazil's few self-made female billionaires.
Edward Wible
Edward Wible co-founded Nubank in 2013 and served as its first CTO, choosing a cloud-based stack built largely in the Clojure language and the Datomic database. That architecture let Nubank add products and markets without a legacy core banking system.
CEOs and their tenures
Microsoft
- Bill Gates1975–2000
Co-founder and CEO
Gates built Microsoft's licensing model: software sold to many hardware makers rather than tied to one.
Source - Steve Ballmer2000–2014
CEO
Ballmer grew revenue from about $23 billion in FY2000 to about $78 billion in FY2013 and built the enterprise server and sales business that Azure later scaled on.
Source - Satya Nadella2014–present
Chairman and CEO
Nadella made Azure and Microsoft 365 the company's core, opened Microsoft to Linux and open source, and positioned it early in generative AI through OpenAI.
Source
Nubank
- David Vélez Osorno2013–present
Founder, Chairman, and CEO
Vélez founded Nubank in 2013, raised capital from Sequoia and Kaszek, took the company public on the NYSE in December 2021 and led it to its first annual profit in 2023 and a $1 billion quarterly profit in Q2 2026.
Source - Cristina Junqueira2013–present
Co-Founder; CEO, Nu US
Co-founded Nubank in 2013 and shaped its early card product and customer-service culture, then took charge of the US expansion.
Source
Timeline: Microsoft and Nubank side by side
1975Microsoft
Microsoft Founded
Bill Gates and Paul Allen founded Microsoft after recognizing that the Altair 8800 needed usable programming software. Their first product, Altair BASIC, turned a hobbyist computer kit into a programmable platform.
1981Microsoft
MS-DOS Ships With IBM PC
IBM introduced its personal computer with MS-DOS 1.0 and other Microsoft products. The milestone mattered because Microsoft's operating-system work moved from a small software supplier's project into the emerging corporate PC standard.
1985Microsoft
Windows Launch
The release of Windows 1.0 began Microsoft's long move from command-line operating systems to graphical personal computing. The first version was not an instant blockbuster, but it gave Microsoft a user-interface path that could evolve with PC hardware.
1986Microsoft
Microsoft IPO
Microsoft went public on the Nasdaq in March 1986.
1990Microsoft
Office Suite Release
The bundling of Word, Excel, and PowerPoint into Microsoft Office created a productivity suite that became central to business work. The bundle simplified enterprise purchasing and made file compatibility a competitive weapon.
1995Microsoft
Windows 95 Released
Microsoft released Windows 95 in August 1995.
1998Microsoft
U.S. Antitrust Case
The U.S. Department of Justice accused Microsoft of using Windows power to suppress browser competition. The case mattered because it placed Microsoft's platform tactics under public and legal scrutiny at the height of its PC strong position.
2010Microsoft
Azure Commercial Launch
Azure gave Microsoft a way to compete in cloud infrastructure as enterprise customers began shifting workloads away from company-owned servers.
2013Nubank
Nubank founded in So Paulo
David Vélez, Cristina Junqueira, and Edward Wible founded Nubank in a suburban house in So Paulo, Brazil, with the mission to fight complexity and democratize financial services in Latin America.
2014Microsoft
Satya Nadella CEO
Satya Nadella became CEO and moved Microsoft away from a strategy that forced every product to serve Windows. He prioritized Azure, Microsoft 365, open source, Linux support, cross-platform software, and a more collaborative developer posture.
2014Nubank
Launch of the purple credit card
Nubank launched its first product a no-annual-fee credit card managed entirely through a smartphone app on April 1, 2014.
2016Microsoft
LinkedIn Acquisition
Microsoft agreed to acquire LinkedIn in 2016 for $26.2 billion in cash. The deal mattered because it added a professional identity network to a company already strong in Office, Dynamics, cloud services, recruiting tools, advertising, and enterprise sales.
2017Nubank
Launch of digital account (NuConta)
Nubank launched its digital account product, allowing customers to receive salaries, make transfers, and pay bills without fees.
2018Microsoft
GitHub Acquisition
Microsoft acquired GitHub for $7.5 billion in stock, reversing years of developer skepticism toward the company. The acquisition placed Microsoft inside the daily workflow of software developers across languages, clouds, and operating systems.
2019Nubank
Expansion to Mexico
Nubank launched operations in Mexico, beginning with credit cards and later expanding to digital accounts. Mexico would become the company's second-largest market, reaching 10 million customers by 2024.
2020Nubank
Launch of NuInvest and expansion to Colombia
Nubank launched NuInvest, a zero-fee brokerage platform for stocks and ETFs, and expanded operations to Colombia with the Cuenta Nu digital account. The company also reached 30 million customers globally.
2021Nubank
IPO on the New York Stock Exchange
Nubank completed its IPO on December 9, 2021, raising $2.6 billion at $9 per share and achieving a valuation of approximately $41-45 billion. The IPO made co-founder Cristina Junqueira one of only two self-made female billionaires in Brazil.
2022Nubank
Acquisition of Olivia AI and first annual profitability path
Nubank acquired Olivia AI, an American startup providing AI-powered financial management services, to strengthen its data and personalization capabilities. The company also reduced losses significantly as it moved toward profitability.
2023Microsoft
AI Leadership
Microsoft's expanded OpenAI partnership and Copilot product rollout placed the company at the center of enterprise generative AI adoption.
2023Microsoft
Activision Blizzard Acquisition Closes
Microsoft completed the Activision Blizzard acquisition after intense regulatory review. The deal added Call of Duty, World of Warcraft, Diablo, Overwatch, Candy Crush, and other franchises to Microsoft Gaming.
2023Nubank
First annual net profit and 85 million customers
Nubank reported its first annual net profit of $1.03 billion in FY2023, with revenue of $8.03 billion. The company reached 85 million customers and demonstrated that its digital-only model could generate sustainable profitability.
2024Nubank
Record revenue and 114 million customers
Nubank reported FY2024 revenue of $11.52 billion and net income of $1.97 billion, crossed 100 million customers in May 2024, acquired AI startup Hyperplane, and invested $150 million in South Africa's Tyme Group as part of its $250 million Series D.
2025Nubank
131 million customers and ARPAC of $15
Nubank added about 17 million customers in 2025, ending the year with 131 million, while quarterly ARPAC reached about $15. FY2025 IFRS revenue was $15.77 billion and net income was $2.87 billion.
2026Nubank
Conditional US national bank charter
In January 2026, the US Office of the Comptroller of the Currency granted Nu conditional approval to establish a national bank, with Cristina Junqueira leading the US business.
2026Nubank
First $1 billion quarter and Mexican bank launch
Nu reported Q2 2026 net income of $1.061 billion on gross revenue of $5.88 billion and 139 million customers. In August 2026 it launched its bank in Mexico with 16 million customers.
2026Nubank
US product launch
On September 10, 2026, Nubank launched US products in Miami, including a credit card, high-yield savings and remittances, through sponsor bank Lead Bank while its own charter is pending.
Acquisitions
Microsoft
- Activision Blizzard2023$68.7B
- Nuance Communications2022$19.7B
- ZeniMax Media2021$7.5B
- GitHub2018$7.5B
- LinkedIn2016$26.2B
Nubank
- Hyperplane2024Undisclosed
- Olivia AI2022Undisclosed
- Spin Pay2021Undisclosed
- Easynvest2020Undisclosed
Questions about Microsoft vs Nubank
Who is the CEO of Microsoft Corporation and Nu Holdings Ltd.?
Microsoft Corporation is led by Satya Nadella and Nu Holdings Ltd. is led by David Vélez. Both serve as the top executive responsible for the company's strategy, operations, and financial performance.
When was Microsoft Corporation founded vs Nu Holdings Ltd.?
Microsoft Corporation was founded in 1975 — 38 years before Nu Holdings Ltd., which was founded in 2013. Microsoft Corporation's longer operating history gives it a deeper track record but also potentially more institutional inertia compared to the younger Nu Holdings Ltd..
How many employees does Microsoft Corporation have compared to Nu Holdings Ltd.?
Microsoft Corporation employs approximately 223,000 people, while Nu Holdings Ltd. employs approximately 10,027. Microsoft Corporation has the larger workforce at 223,000 employees, compared to Nu Holdings Ltd.'s 10,027. A higher headcount does not necessarily imply greater efficiency — it often reflects differences in business model (e.g., manufacturing vs. software).
Where are Microsoft Corporation and Nu Holdings Ltd. headquartered?
Microsoft Corporation is headquartered in United States and Nu Holdings Ltd. is headquartered in Brazil. Their different home markets mean they may face different regulatory frameworks, tax regimes, and currency exposure.
Who founded Microsoft Corporation and Nu Holdings Ltd.?
Microsoft Corporation was founded by Bill Gates, Paul Allen. Nu Holdings Ltd. was founded by David Vélez Osorno, Cristina Helena Zingaretti Junqueira, Edward Wible.
Which company has a longer operating history — Microsoft Corporation or Nu Holdings Ltd.?
Microsoft Corporation has been operating for approximately 51 years, making it the more established of the two companies. Nu Holdings Ltd. has been in operation for around 13 years. A longer operating history often signals greater institutional resilience and brand recognition, though it can also mean slower adaptation to new market conditions.
Figures come from each company's filings and the sources linked beside them. Amounts reported in another currency are shown in US dollars at an approximate rate and marked with ~. Back to the Microsoft vs Nubank overview