NU vs. PNFP: Nu Holdings vs. Pinnacle Financial Partners Stock Comparison

Company Profile

Nu Holdings (NU) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though NU is classified under Diversified Banks while PNFP falls under Regional Banks.

Pinnacle Financial Partners (PNFP) has more than two decades of public-market history since August 22, 2000, 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

Nu Holdings (NU) at 31.63% clears its industry range for ROE, a sharper capital-efficiency signal than Pinnacle Financial Partners (PNFP) at 9.56%, which is closer to a typical peer reading.

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while Pinnacle Financial Partners (PNFP) at 25.54% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and Pinnacle Financial Partners (PNFP) 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 Pinnacle Financial Partners (PNFP) at 17.76% is closer to the peer norm — faster top-line expansion for NU.

Both Nu Holdings (NU) at 44.92% and Pinnacle Financial Partners (PNFP) at 35.40% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and Pinnacle Financial Partners (PNFP) 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 Pinnacle Financial Partners (PNFP) 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 Pinnacle Financial Partners (PNFP) reports a yield of 1.72%, 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 Pinnacle Financial Partners (PNFP) reports a payout of 23.29%, ranking against industry peers normally.

Dividend Metrics

Valuation

Pinnacle Financial Partners (PNFP) at 13.47 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.

P/S ratio is set aside for both Nu Holdings (NU) in Banks and Pinnacle Financial Partners (PNFP) 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.

Pinnacle Financial Partners (PNFP) at 1.10 sits in the lower P/B ratio quartile relative to book while Nu Holdings (NU) at 4.39 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics