CRCL vs. NU: Circle Internet vs. Nu Holdings Stock Comparison

Company Profile

Circle Internet (CRCL) is classified in the Information Technology sector (Software & Services), whereas Nu Holdings (NU) belongs to Financials (Banks) — their GICS classifications point to very different parts of the market.

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 Circle Internet (CRCL) at 13.44%, 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 Circle Internet (CRCL) at 15.28%, which keeps about the industry-typical share.

Circle Internet (CRCL) reports operating margin of 24.09%; Nu Holdings (NU) doesn’t report a comparable line — in Banks, funding costs sit inside the core business rather than below an operating line, so profitability is better judged on net margin or ROE.

Profitability Metrics

Growth

Both companies are growing quickly, but Circle Internet (CRCL) at 63.86% is the standout with revenue growth above its industry range; Nu Holdings (NU) at 28.51% also sits in the top quartile.

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Circle Internet (CRCL) at -640.54% falls below its industry range — a large difference in per-share earnings trajectories.

Growth Metrics

Financial Strength

Circle Internet (CRCL) shows current ratio of 1.04; Nu Holdings (NU) doesn’t get one — Banks balance sheets aren’t split into current and non-current buckets, so short-term liquidity there is judged through regulatory measures instead.

Circle Internet (CRCL) shows debt-to-equity ratio of 0.00; for Nu Holdings (NU) the ratio is set aside — in Banks, balance-sheet leverage is part of the business model itself, so capital-adequacy measures do the job this ratio does elsewhere.

Financial Strength Metrics

Dividends

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

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

Dividend Metrics

Valuation

Circle Internet (CRCL) at 40.89 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.

Circle Internet (CRCL) shows P/S ratio of 5.75; for Nu Holdings (NU) the multiple is skipped — in Banks, income is dominated by interest spread rather than a conventional revenue line, so pricing per dollar of sales loses meaning and book- or earnings-based multiples carry the comparison.

Circle Internet (CRCL) at 4.50 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.

Valuation Metrics