BCS vs. NU: Barclays vs. Nu Holdings Stock Comparison

Company Profile

Barclays (BCS) 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.

Barclays (BCS) has more than two decades of public-market history since September 9, 1986, 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 Barclays (BCS) 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

Nu Holdings (NU) at 31.63% clears its industry range for ROE, a sharper capital-efficiency signal than Barclays (BCS) at 10.45%, which is closer to a typical peer reading.

Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of Barclays (BCS) at 28.22%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Barclays (BCS) 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 Barclays (BCS) at 11.09% is closer to the peer norm — faster top-line expansion for NU.

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Barclays (BCS) at 21.55% is closer to the peer norm — faster per-share earnings growth for NU.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Barclays (BCS) 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: Barclays (BCS) 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 Barclays (BCS) reports a yield of 0.50%, 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 Barclays (BCS) reports a payout of 22.96%, ranking against industry peers normally.

Dividend Metrics

Valuation

Barclays (BCS) at 8.33 sits in the cheaper P/E ratio quartile, while Nu Holdings (NU) at 16.48 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Barclays (BCS) 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.

Barclays (BCS) at 0.88 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