NU vs. PNC: Nu Holdings vs. PNC Financial Services Stock Comparison
How do Nu Holdings (NU) and PNC Financial Services (PNC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Nu Holdings (NU) and PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
PNC Financial Services (PNC) has more than two decades of public-market history since November 17, 1975, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.
| Profile Item | NU | PNC |
|---|---|---|
| Name | Nu Holdings Ltd. Class A Ordinary Shares | The PNC Financial Services Group, Inc. |
| Country/Region | Brazil | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 58.11 billion USD | 89.43 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 9, 2021 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | NU | PNC |
|---|---|---|
| Total Return (1Y) | -22.46% | 30.50% |
| Total Return (3Y, Annualized) | 14.21% | 29.46% |
| Total Return (5Y, Annualized) | -- | 6.26% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | NU | PNC |
|---|---|---|
| Volatility (1Y, Annualized) | 46.14% | 21.60% |
| Beta (5Y) | 0.94 | 0.90 |
| Max Drawdown (5Y) | -72.07% | -47.98% |
| Avg. Volume (3M) | 80.53M | 1.77M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | NU | PNC |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 1.21 |
| Sortino Ratio (1Y) | -0.78 | 1.77 |
Profitability
ROE (TTM)
Nu Holdings (NU) at 31.63% clears its industry range for ROE, a sharper capital-efficiency signal than PNC Financial Services (PNC) at 13.10%, which is closer to a typical peer reading.
NU
Banks industry group
31.63%
- NU
- 31.63%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
PNC
Banks industry group
13.10%
- Max
- 19.84%
- Q3
- 13.67%
- PNC
- 13.10%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of PNC Financial Services (PNC) at 31.68%, which keeps about the industry-typical share.
NU
Banks industry group
42.73%
- Max
- 47.19%
- NU
- 42.73%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
PNC
Banks industry group
31.68%
- Max
- 47.19%
- Q3
- 35.25%
- PNC
- 31.68%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | NU | PNC |
|---|---|---|
| ROE (TTM) | 31.63% | 13.10% |
| ROA (TTM) | 4.96% | 1.33% |
| Net Margin (TTM) | 42.73% | 31.68% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Nu Holdings (NU) at 28.51% sits in the top revenue growth quartile, while PNC Financial Services (PNC) at 10.90% is closer to the peer norm — faster top-line expansion for NU.
EPS Growth
Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while PNC Financial Services (PNC) at 20.74% is closer to the peer norm — faster per-share earnings growth for NU.
Growth Metrics
| Metric | NU | PNC |
|---|---|---|
| Revenue Growth (YoY) | 28.51% | 10.90% |
| Revenue Growth (3Y CAGR) | 52.93% | 3.01% |
| EPS Growth (YoY) | 44.92% | 20.74% |
| EPS Growth (3Y CAGR) | -- | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and PNC Financial Services (PNC) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Nu Holdings (NU) in Banks and PNC Financial Services (PNC) 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
| Metric | NU | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Nu Holdings (NU) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PNC Financial Services (PNC) reports a yield of 3.13%, ranking against industry peers normally.
NU
Banks industry group
0.00%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- NU
- 0.00%
- Min
- 0.00%
PNC
Banks industry group
3.13%
- Max
- 5.79%
- Q3
- 3.18%
- PNC
- 3.13%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Nu Holdings (NU) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PNC Financial Services (PNC) reports a payout of 37.81%, ranking against industry peers normally.
NU
Banks industry group
0.00%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- NU
- 0.00%
- Min
- 0.00%
PNC
Banks industry group
37.81%
- Max
- 70.75%
- Q3
- 41.28%
- PNC
- 37.81%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | NU | PNC |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 3.13% |
| Dividend Payout Ratio (TTM) | 0.00% | 37.81% |
Valuation
P/E Ratio (TTM)
PNC Financial Services (PNC) at 12.00 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.
NU
Banks industry group
16.48
- Max
- 18.16
- NU
- 16.48
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
PNC
Banks industry group
12.00
- Max
- 18.16
- Q3
- 13.75
- PNC
- 12.00
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Nu Holdings (NU) in Banks and PNC Financial Services (PNC) 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.
P/B Ratio (MRQ)
Both look rich against book: PNC Financial Services (PNC) at 1.59 sits in the upper P/B ratio quartile, and Nu Holdings (NU) at 4.39 prices even higher, above its industry range.
NU
Banks industry group
4.39
- NU
- 4.39
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
PNC
Banks industry group
1.59
- Max
- 2.28
- PNC
- 1.59
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | NU | PNC |
|---|---|---|
| P/E Ratio (TTM) | 16.48 | 12.00 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 4.39 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |