JPM vs. NU: JPMorgan Chase vs. Nu Holdings Stock Comparison

Company Profile

JPMorgan Chase (JPM) 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.

JPMorgan Chase (JPM) has more than two decades of public-market history since March 17, 1980, 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; JPMorgan Chase (JPM) at 18.01% also sits in the top quartile.

Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of JPMorgan Chase (JPM) at 34.59%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 7.32% 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 JPMorgan Chase (JPM) at 1.37% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: JPMorgan Chase (JPM) 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: JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) reports a yield of 1.82%, 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 JPMorgan Chase (JPM) reports a payout of 25.80%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both JPMorgan Chase (JPM) at 14.03 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 JPMorgan Chase (JPM) 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.

Measured against book value, both JPMorgan Chase (JPM) at 2.53 and Nu Holdings (NU) at 4.39 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics