CM vs. NU: Cdn Imperial Bank of Commerce vs. Nu Holdings Stock Comparison

Company Profile

Cdn Imperial Bank of Commerce (CM) 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.

Cdn Imperial Bank of Commerce (CM) has more than two decades of public-market history since November 13, 1997, 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

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; Cdn Imperial Bank of Commerce (CM) at 15.58% also sits in the top quartile.

Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of Cdn Imperial Bank of Commerce (CM) at 33.74%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Cdn Imperial Bank of Commerce (CM) 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 Cdn Imperial Bank of Commerce (CM) at 13.66% 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 Cdn Imperial Bank of Commerce (CM) at 17.72% 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: Cdn Imperial Bank of Commerce (CM) 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: Cdn Imperial Bank of Commerce (CM) 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 Cdn Imperial Bank of Commerce (CM) reports a yield of 3.62%, 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 Cdn Imperial Bank of Commerce (CM) reports a payout of 40.12%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Cdn Imperial Bank of Commerce (CM) at 15.32 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 Cdn Imperial Bank of Commerce (CM) 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: Cdn Imperial Bank of Commerce (CM) at 2.24 sits in the upper P/B ratio quartile, and Nu Holdings (NU) at 4.39 prices even higher, above its industry range.

Valuation Metrics