BBD vs. NU: Banco Bradesco vs. Nu Holdings Stock Comparison

Company Profile

Banco Bradesco (BBD) and Nu Holdings (NU) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Banco Bradesco (BBD) has more than two decades of public-market history since August 2, 2002, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.

Nu Holdings (NU) trades as ordinary local shares, while Banco Bradesco (BBD) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Nu Holdings (NU) at 31.63% is the standout with ROE above its industry range; Banco Bradesco (BBD) at 14.20% also sits in the top quartile.

Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of Banco Bradesco (BBD) at 27.27%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Bradesco (BBD) in Banks and Nu Holdings (NU) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Nu Holdings (NU) at 28.51% sits in the top revenue growth quartile, while Banco Bradesco (BBD) at 11.85% is closer to the peer norm — faster top-line expansion for NU.

Both Banco Bradesco (BBD) at 37.42% and Nu Holdings (NU) at 44.92% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bradesco (BBD) in Banks and Nu Holdings (NU) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco Bradesco (BBD) in Banks and Nu Holdings (NU) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Nu Holdings (NU) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Banco Bradesco (BBD) reports a yield of 53.03%, ranking against industry peers normally.

Nu Holdings (NU) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Banco Bradesco (BBD) reports a payout of 53.52%, ranking against industry peers normally.

Dividend Metrics

Valuation

Banco Bradesco (BBD) at 5.64 trades below its industry P/E ratio range, while Nu Holdings (NU) at 16.48 sits in the richer quartile — the market is paying very different prices for each company’s trailing earnings.

P/S ratio is set aside for both Banco Bradesco (BBD) in Banks and Nu Holdings (NU) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco Bradesco (BBD) at 0.69 sits in the lower P/B ratio quartile relative to book while Nu Holdings (NU) at 4.39 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics