NU vs. PRU: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at NU and PRU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | NU | PRU |
|---|---|---|
| Company Name | Nu Holdings Ltd. | Prudential Financial, Inc. |
| Country | Brazil | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Banks | Insurance |
| Market Capitalization | 73.98 billion USD | 36.61 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 9, 2021 | December 13, 2001 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of NU and PRU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | NU | PRU |
|---|---|---|
| 5-Day Price Return | -4.01% | 0.18% |
| 13-Week Price Return | 12.57% | -4.64% |
| 26-Week Price Return | 49.51% | -6.86% |
| 52-Week Price Return | 15.81% | -12.55% |
| Month-to-Date Return | -4.37% | 0.27% |
| Year-to-Date Return | 47.78% | -12.24% |
| 10-Day Avg. Volume | 47.69M | 1.41M |
| 3-Month Avg. Volume | 58.78M | 1.62M |
| 3-Month Volatility | 35.32% | 21.57% |
| Beta | 1.09 | 0.99 |
Profitability
Return on Equity (TTM)
NU
27.49%
Banks Industry
- Max
- 25.40%
- Q3
- 15.55%
- Median
- 12.00%
- Q1
- 8.98%
- Min
- -0.10%
NU’s Return on Equity of 27.49% is exceptionally high, placing it well beyond the typical range for the Banks industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
PRU
5.49%
Insurance Industry
- Max
- 30.96%
- Q3
- 18.76%
- Median
- 14.22%
- Q1
- 10.34%
- Min
- 1.73%
PRU’s Return on Equity of 5.49% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
Net Profit Margin (TTM)
NU
17.90%
Banks Industry
- Max
- 54.20%
- Q3
- 35.73%
- Median
- 28.97%
- Q1
- 22.56%
- Min
- 6.98%
Falling into the lower quartile for the Banks industry, NU’s Net Profit Margin of 17.90% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
PRU
2.96%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.69%
- Median
- 9.87%
- Q1
- 6.59%
- Min
- -3.51%
Falling into the lower quartile for the Insurance industry, PRU’s Net Profit Margin of 2.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin (TTM)
NU
24.64%
Banks Industry
- Max
- 63.35%
- Q3
- 44.73%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 12.28%
NU’s Operating Profit Margin of 24.64% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
PRU
3.74%
Insurance Industry
- Max
- 34.52%
- Q3
- 20.17%
- Median
- 14.46%
- Q1
- 9.62%
- Min
- -2.51%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | NU | PRU |
|---|---|---|
| Return on Equity (TTM) | 27.49% | 5.49% |
| Return on Assets (TTM) | 4.27% | 0.22% |
| Net Profit Margin (TTM) | 17.90% | 2.96% |
| Operating Profit Margin (TTM) | 24.64% | 3.74% |
| Gross Profit Margin (TTM) | 43.42% | -- |
Financial Strength
Current Ratio (MRQ)
NU
0.18
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
PRU
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.37
- Median
- 0.54
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
NU
4.18
Banks Industry
- Max
- 5.78
- Q3
- 2.66
- Median
- 1.05
- Q1
- 0.40
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
PRU
0.71
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.23
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
NU
-0.91
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
PRU
--
Insurance Industry
- Max
- 43.68
- Q3
- 21.45
- Median
- 9.67
- Q1
- 3.55
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | NU | PRU |
|---|---|---|
| Current Ratio (MRQ) | 0.18 | -- |
| Quick Ratio (MRQ) | 0.18 | -- |
| Debt-to-Equity Ratio (MRQ) | 4.18 | 0.71 |
| Interest Coverage Ratio (TTM) | -0.91 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
NU
0.00%
Banks Industry
- Max
- 11.03%
- Q3
- 6.00%
- Median
- 3.87%
- Q1
- 2.41%
- Min
- 0.00%
NU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
PRU
5.25%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
With a Dividend Yield of 5.25%, PRU offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio (TTM)
NU
0.00%
Banks Industry
- Max
- 134.24%
- Q3
- 79.39%
- Median
- 55.09%
- Q1
- 36.09%
- Min
- 0.00%
NU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
PRU
85.37%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 53.26%
- Q1
- 23.68%
- Min
- 0.00%
PRU’s Dividend Payout Ratio of 85.37% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | NU | PRU |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 5.25% |
| Dividend Payout Ratio (TTM) | 0.00% | 85.37% |
Valuation
Price-to-Earnings Ratio (TTM)
NU
32.07
Banks Industry
- Max
- 22.69
- Q3
- 13.75
- Median
- 10.32
- Q1
- 7.73
- Min
- 2.59
At 32.07, NU’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
PRU
22.29
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
A P/E Ratio of 22.29 places PRU in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Price-to-Sales Ratio (TTM)
NU
5.74
Banks Industry
- Max
- 4.90
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
PRU
0.66
Insurance Industry
- Max
- 3.41
- Q3
- 1.88
- Median
- 1.22
- Q1
- 0.80
- Min
- 0.23
In the lower quartile for the Insurance industry, PRU’s P/S Ratio of 0.66 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
Price-to-Book Ratio (MRQ)
NU
6.90
Banks Industry
- Max
- 2.09
- Q3
- 1.40
- Median
- 1.11
- Q1
- 0.86
- Min
- 0.29
At 6.90, NU’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
PRU
1.24
Insurance Industry
- Max
- 4.57
- Q3
- 2.56
- Median
- 1.88
- Q1
- 1.20
- Min
- 0.17
PRU’s P/B Ratio of 1.24 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | NU | PRU |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 32.07 | 22.29 |
| Price-to-Sales Ratio (TTM) | 5.74 | 0.66 |
| Price-to-Book Ratio (MRQ) | 6.90 | 1.24 |
| Price-to-Free Cash Flow Ratio (TTM) | 15.49 | 7.92 |