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C vs. NU: Citigroup vs. Nu Holdings Stock Comparison

How do Citigroup (C) and Nu Holdings (NU) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Citigroup (C) 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.

Citigroup (C) has more than two decades of public-market history since January 3, 1977, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.

Company profile comparison for Citigroup (C) and Nu Holdings (NU)
Profile ItemCNU
NameCitigroup Inc.Nu Holdings Ltd. Class A Ordinary Shares
Country/RegionUnited StatesBrazil
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryDiversified BanksDiversified Banks
Market Capitalization197.05 billion USD58.11 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJanuary 3, 1977December 9, 2021
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

C
NU
GSPC
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Citigroup (C) vs. Nu Holdings (NU), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Citigroup (C) and Nu Holdings (NU). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Citigroup (C) and Nu Holdings (NU). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
Total Return (1Y)23.42%-22.46%
Total Return (3Y, Annualized)47.29%14.21%
Total Return (5Y, Annualized)16.24%--

Risk Profile

Drawdown History

C
NU
GSPC
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Citigroup (C) vs. Nu Holdings (NU), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Citigroup (C) and Nu Holdings (NU). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
Volatility (1Y, Annualized)29.96%46.14%
Beta (5Y)1.170.94
Max Drawdown (5Y)-40.60%-72.07%
Avg. Volume (3M)9.35M80.53M

Risk-Adjusted Performance

Risk-Return Positioning

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C and NU are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
Sharpe Ratio (1Y)0.64-0.58
Sortino Ratio (1Y)0.90-0.78

Profitability

ROE (TTM)

Nu Holdings (NU) at 31.63% delivers above-range ROE, while Citigroup (C) at 9.35% falls into the bottom quartile — a wide split in profit generated from equity.

C

Banks industry group

9.35%

Max
19.84%
Q3
13.67%
Median
11.49%
Q1
9.50%
C
9.35%
Min
3.64%

NU

Banks industry group

31.63%

NU
31.63%
Max
19.84%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%
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Citigroup (C) vs. Nu Holdings (NU): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while Citigroup (C) at 23.21% keeps a bottom-quartile share.

C

Banks industry group

23.21%

Max
47.19%
Q3
35.25%
Median
31.21%
Q1
27.11%
C
23.21%
Min
14.93%

NU

Banks industry group

42.73%

Max
47.19%
NU
42.73%
Q3
35.25%
Median
31.21%
Q1
27.11%
Min
14.93%
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Citigroup (C) vs. Nu Holdings (NU): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Citigroup (C) 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

Profitability metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
ROE (TTM)9.35%31.63%
ROA (TTM)0.71%4.96%
Net Margin (TTM)23.21%42.73%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Nu Holdings (NU) at 28.51% sits in the top revenue growth quartile, while Citigroup (C) at 5.63% is in the bottom quartile, showing a clear gap in revenue momentum.

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Citigroup (C) vs. Nu Holdings (NU): A comparison of their Revenue Growth across different time periods.

EPS Growth

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Citigroup (C) at 17.68% is closer to the peer norm — faster per-share earnings growth for NU.

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Citigroup (C) vs. Nu Holdings (NU): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
Revenue Growth (YoY)5.63%28.51%
Revenue Growth (3Y CAGR)4.59%52.93%
EPS Growth (YoY)17.68%44.92%
EPS Growth (3Y CAGR)-0.05%--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Citigroup (C) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: Citigroup (C) 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

Financial strength metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Nu Holdings (NU) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Citigroup (C) reports a yield of 2.09%, ranking against industry peers normally.

C

Banks industry group

2.09%

Max
5.79%
Q3
3.18%
Median
2.39%
C
2.09%
Q1
1.20%
Min
0.00%

NU

Banks industry group

0.00%

Max
5.79%
Q3
3.18%
Median
2.39%
Q1
1.20%
NU
0.00%
Min
0.00%
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Citigroup (C) vs. Nu Holdings (NU): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Nu Holdings (NU) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Citigroup (C) reports a payout of 24.07%, ranking against industry peers normally.

C

Banks industry group

24.07%

Max
70.75%
Q3
41.28%
Median
29.26%
C
24.07%
Q1
18.98%
Min
0.00%

NU

Banks industry group

0.00%

Max
70.75%
Q3
41.28%
Median
29.26%
Q1
18.98%
NU
0.00%
Min
0.00%
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Citigroup (C) vs. Nu Holdings (NU): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
Dividend Yield (TTM)2.09%0.00%
Dividend Payout Ratio (TTM)24.07%0.00%

Valuation

P/E Ratio (TTM)

Citigroup (C) at 11.60 is near its industry’s usual P/E ratio, while Nu Holdings (NU) at 16.48 sits in the richer quartile — NU needs stronger growth or earnings quality to justify the premium.

C

Banks industry group

11.60

Max
18.16
Q3
13.75
Median
11.81
C
11.60
Q1
10.64
Min
6.49

NU

Banks industry group

16.48

Max
18.16
NU
16.48
Q3
13.75
Median
11.81
Q1
10.64
Min
6.49
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Citigroup (C) vs. Nu Holdings (NU): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both Citigroup (C) 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.

P/B Ratio (MRQ)

Citigroup (C) at 1.03 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.

C

Banks industry group

1.03

Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
C
1.03
Min
0.59

NU

Banks industry group

4.39

NU
4.39
Max
2.28
Q3
1.58
Median
1.32
Q1
1.10
Min
0.59
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Citigroup (C) vs. Nu Holdings (NU): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for Citigroup (C) and Nu Holdings (NU)
MetricCNU
P/E Ratio (TTM)11.6016.48
P/S Ratio (TTM)----
P/B Ratio (MRQ)1.034.39
Free Cash Flow Yield (TTM)----