BMO vs. NU: Bank of Montreal vs. Nu Holdings Stock Comparison

Company Profile

Bank of Montreal (BMO) 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.

Bank of Montreal (BMO) has more than two decades of public-market history since October 27, 1994, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Nu Holdings (NU) is heavily traded at around 80.53M shares per day, whereas Bank of Montreal (BMO) sees a more moderate 728.11K — larger orders in the latter may require more patience and tighter control over order sizing.

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 Bank of Montreal (BMO) at 10.57%, which is closer to a typical peer reading.

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while Bank of Montreal (BMO) at 25.66% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) 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 Bank of Montreal (BMO) at 12.67% 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 Bank of Montreal (BMO) at 20.29% 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: Bank of Montreal (BMO) 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: Bank of Montreal (BMO) 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 Bank of Montreal (BMO) reports a yield of 3.87%, 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 Bank of Montreal (BMO) reports a payout of 54.44%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both look expensive on trailing earnings: Nu Holdings (NU) at 16.48 sits in the richer P/E ratio quartile, and Bank of Montreal (BMO) at 19.34 is richer still, above its industry range.

P/S ratio is set aside for both Bank of Montreal (BMO) 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.

Both look rich against book: Bank of Montreal (BMO) at 1.97 sits in the upper P/B ratio quartile, and Nu Holdings (NU) at 4.39 prices even higher, above its industry range.

Valuation Metrics