CFG vs. NU: Citizens Financial vs. Nu Holdings Stock Comparison
How do Citizens Financial (CFG) 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
Citizens Financial (CFG) and Nu Holdings (NU) both belong to the Banks industry, though CFG is classified under Regional Banks while NU falls under Diversified Banks.
| Profile Item | CFG | NU |
|---|---|---|
| Name | Citizens Financial Group Inc. | Nu Holdings Ltd. Class A Ordinary Shares |
| Country/Region | United States | Brazil |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Diversified Banks |
| Market Capitalization | 26.51 billion USD | 58.11 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 24, 2014 | December 9, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | NU |
|---|---|---|
| Total Return (1Y) | 30.28% | -22.46% |
| Total Return (3Y, Annualized) | 42.95% | 14.21% |
| Total Return (5Y, Annualized) | 10.93% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | NU |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 46.14% |
| Beta (5Y) | 1.07 | 0.94 |
| Max Drawdown (5Y) | -56.19% | -72.07% |
| Avg. Volume (3M) | 3.99M | 80.53M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | NU |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | -0.58 |
| Sortino Ratio (1Y) | 1.50 | -0.78 |
Profitability
ROE (TTM)
Nu Holdings (NU) at 31.63% delivers above-range ROE, while Citizens Financial (CFG) at 8.90% falls into the bottom quartile — a wide split in profit generated from equity.
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- 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%
Net Margin (TTM)
Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while Citizens Financial (CFG) at 27.02% keeps a bottom-quartile share.
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- 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%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) 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
| Metric | CFG | NU |
|---|---|---|
| ROE (TTM) | 8.90% | 31.63% |
| ROA (TTM) | 0.99% | 4.96% |
| Net Margin (TTM) | 27.02% | 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 Citizens Financial (CFG) at 5.61% is in the bottom quartile, showing a clear gap in revenue momentum.
EPS Growth
Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Citizens Financial (CFG) at 27.39% is closer to the peer norm — faster per-share earnings growth for NU.
Growth Metrics
| Metric | CFG | NU |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 28.51% |
| Revenue Growth (3Y CAGR) | 0.93% | 52.93% |
| EPS Growth (YoY) | 27.39% | 44.92% |
| EPS Growth (3Y CAGR) | -1.99% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) 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: Citizens Financial (CFG) 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
| Metric | CFG | NU |
|---|---|---|
| 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 Citizens Financial (CFG) reports a yield of 2.88%, ranking against industry peers normally.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- 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%
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 Citizens Financial (CFG) reports a payout of 37.17%, ranking against industry peers normally.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- 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%
Dividend Metrics
| Metric | CFG | NU |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 0.00% |
| Dividend Payout Ratio (TTM) | 37.17% | 0.00% |
Valuation
P/E Ratio (TTM)
Citizens Financial (CFG) at 12.78 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.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- 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
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) 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)
Citizens Financial (CFG) at 1.16 sits near its industry’s typical P/B ratio, while Nu Holdings (NU) at 4.39 prices above its benchmark range — NU looks rich relative to book.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- 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
Valuation Metrics
| Metric | CFG | NU |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 16.48 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 4.39 |
| Free Cash Flow Yield (TTM) | -- | -- |