BSBR vs. NU: Banco Santander (Brasil) vs. Nu Holdings Stock Comparison

Company Profile

Banco Santander (Brasil) (BSBR) 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.

Nu Holdings (NU) trades as ordinary local shares, while Banco Santander (Brasil) (BSBR) 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 Banco Santander (Brasil) (BSBR) at 10.20%, 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 Banco Santander (Brasil) (BSBR) at 27.53%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at -3.79% is in the bottom quartile, showing a clear gap in revenue momentum.

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Banco Santander (Brasil) (BSBR) at -4.61% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) reports a yield of 5.60%, ranking against industry peers normally.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings; Nu Holdings (NU) pays no dividend (payout 0.00%).

Dividend Metrics

Valuation

Both Banco Santander (Brasil) (BSBR) at 14.97 and Nu Holdings (NU) at 16.48 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at 0.34 prices below its industry’s P/B ratio range while Nu Holdings (NU) at 4.39 prices above it — an unusually wide split in valuation relative to book.

Valuation Metrics