KB vs. NU: KB Financial vs. Nu Holdings Stock Comparison

Company Profile

KB Financial (KB) 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.

KB Financial (KB) has more than two decades of public-market history since November 13, 2001, 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 KB Financial (KB) 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 KB Financial (KB) sees a more moderate 194.61K — 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

Capital efficiency shows on one side only: Nu Holdings (NU) earns 31.63% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while KB Financial (KB) at 17.25% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for KB Financial (KB) 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 KB Financial (KB) at 5.61% 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 KB Financial (KB) at 27.83% 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: KB Financial (KB) 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: KB Financial (KB) 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 KB Financial (KB) reports a yield of 1,434.96%, 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 KB Financial (KB) reports a payout of 26.89%, ranking against industry peers normally.

Dividend Metrics

Valuation

KB Financial (KB) at 9.55 sits in the cheaper P/E ratio quartile, while Nu Holdings (NU) at 16.48 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both KB Financial (KB) 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 KB Financial (KB) at 3.68 and Nu Holdings (NU) at 4.39 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics