NU vs. NWG: Nu Holdings vs. NatWest Stock Comparison

Company Profile

Nu Holdings (NU) and NatWest (NWG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Nu Holdings (NU) trades as ordinary local shares, while NatWest (NWG) 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

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; NatWest (NWG) at 14.58% also sits in the top quartile.

For every dollar of sales, both Nu Holdings (NU) at 42.73% and NatWest (NWG) at 36.93% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and NatWest (NWG) 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 NatWest (NWG) at 13.35% 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 NatWest (NWG) at 26.93% 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: Nu Holdings (NU) in Banks and NatWest (NWG) 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: Nu Holdings (NU) in Banks and NatWest (NWG) 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 NatWest (NWG) reports a yield of 2.19%, 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 NatWest (NWG) reports a payout of 47.43%, ranking against industry peers normally.

Dividend Metrics

Valuation

NatWest (NWG) at 7.84 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 Nu Holdings (NU) in Banks and NatWest (NWG) 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.

NatWest (NWG) at 1.20 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