BBVA vs. NU: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at BBVA and NU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BBVA trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, NU is a standard domestic listing.

Symbol	BBVA	NU
Company Name	Banco Bilbao Vizcaya Argentaria, S.A.	Nu Holdings Ltd.
Country	Spain	Brazil
GICS Sector	Financials	Financials
GICS Industry	Banks	Banks
Market Capitalization	107.76 billion USD	59.68 billion USD
Exchange	NYSE	NYSE
Listing Date	December 15, 1988	December 9, 2021
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BBVA and NU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BBVA vs. NU: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BBVA	NU
5-Day Price Return	3.41%	-0.32%
13-Week Price Return	19.12%	-4.48%
26-Week Price Return	35.45%	-10.23%
52-Week Price Return	71.64%	-1.04%
Month-to-Date Return	7.65%	1.23%
Year-to-Date Return	66.74%	19.40%
10-Day Avg. Volume	9.64M	35.99M
3-Month Avg. Volume	8.90M	59.91M
3-Month Volatility	28.47%	41.14%
Beta	1.31	1.06

Profitability

Return on Equity (TTM)

BBVA

19.06%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, BBVA’s Return on Equity of 19.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

NU

27.91%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

NU’s Return on Equity of 27.91% is exceptionally high, placing it well beyond the typical range for the Banks industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

BBVA vs. NU: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

Net Profit Margin (TTM)

BBVA

20.73%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, BBVA’s Net Profit Margin of 20.73% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

NU

17.88%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, NU’s Net Profit Margin of 17.88% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

BBVA vs. NU: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

Operating Profit Margin (TTM)

BBVA

31.24%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BBVA’s Operating Profit Margin of 31.24% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

NU

25.04%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

NU’s Operating Profit Margin of 25.04% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

BBVA vs. NU: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

Symbol	BBVA	NU
Return on Equity (TTM)	19.06%	27.91%
Return on Assets (TTM)	1.36%	4.35%
Net Profit Margin (TTM)	20.73%	17.88%
Operating Profit Margin (TTM)	31.24%	25.04%
Gross Profit Margin (TTM)	--	44.82%

Financial Strength

Current Ratio (MRQ)

BBVA

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

NU

0.14

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BBVA vs. NU: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

Debt-to-Equity Ratio (MRQ)

BBVA

1.80

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

NU

3.92

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

BBVA vs. NU: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

Interest Coverage Ratio (TTM)

BBVA

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

NU

-0.91

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

BBVA vs. NU: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

Symbol	BBVA	NU
Current Ratio (MRQ)	--	0.14
Quick Ratio (MRQ)	--	0.14
Debt-to-Equity Ratio (MRQ)	1.80	3.92
Interest Coverage Ratio (TTM)	--	-0.91

Growth

Revenue Growth

BBVA vs. NU: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BBVA vs. NU: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BBVA

4.44%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BBVA’s Dividend Yield of 4.44% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

NU

0.00%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

NU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

BBVA vs. NU: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

Dividend Payout Ratio (TTM)

BBVA

77.69%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BBVA’s Dividend Payout Ratio of 77.69% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

NU

0.00%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

NU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

BBVA vs. NU: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

Symbol	BBVA	NU
Dividend Yield (TTM)	4.44%	0.00%
Dividend Payout Ratio (TTM)	77.69%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BBVA

8.62

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BBVA’s P/E Ratio of 8.62 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

NU

27.72

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

At 27.72, NU’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

BBVA vs. NU: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

Price-to-Sales Ratio (TTM)

BBVA

1.30

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

NU

4.96

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

BBVA vs. NU: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

Price-to-Book Ratio (MRQ)

BBVA

1.32

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BBVA’s P/B Ratio of 1.32 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

NU

5.73

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

At 5.73, NU’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

BBVA vs. NU: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

Symbol	BBVA	NU
Price-to-Earnings Ratio (TTM)	8.62	27.72
Price-to-Sales Ratio (TTM)	1.30	4.96
Price-to-Book Ratio (MRQ)	1.32	5.73
Price-to-Free Cash Flow Ratio (TTM)	3.51	12.09