CIB vs. NU: Grupo Cibest vs. Nu Holdings Stock Comparison

Company Profile

Grupo Cibest (CIB) 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.

Grupo Cibest (CIB) has more than two decades of public-market history since July 26, 1995, 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 Grupo Cibest (CIB) 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

Nu Holdings (NU) is heavily traded at around 80.53M shares per day, whereas Grupo Cibest (CIB) sees a more moderate 297.24K — 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

Both companies show strong equity returns, but Nu Holdings (NU) at 31.63% is the standout with ROE above its industry range; Grupo Cibest (CIB) at 19.22% also sits in the top quartile.

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while Grupo Cibest (CIB) at 17.57% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Grupo Cibest (CIB) 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 Grupo Cibest (CIB) at 5.11% 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 Grupo Cibest (CIB) at -38.49% falls below its industry range — a large difference in per-share earnings trajectories.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Grupo Cibest (CIB) 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: Grupo Cibest (CIB) 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

Neither Grupo Cibest (CIB) nor Nu Holdings (NU) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Nu Holdings (NU) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Grupo Cibest (CIB) reports a payout of 31.29%, ranking against industry peers normally.

Dividend Metrics

Valuation

Grupo Cibest (CIB) at 11.13 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.

P/S ratio is set aside for both Grupo Cibest (CIB) 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.

Grupo Cibest (CIB) at 0.00 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