NU vs. PUK: A Head-to-Head Stock Comparison

Updated on August 18, 2025

Here’s a clear look at NU and PUK, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

NU is a standard domestic listing, while PUK trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	NU	PUK
Company Name	Nu Holdings Ltd.	Prudential plc
Country	Brazil	Hong Kong
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	59.68 billion USD	34.24 billion USD
Exchange	NYSE	NYSE
Listing Date	December 9, 2021	June 29, 2000
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of NU and PUK 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.

NU vs. PUK: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	NU	PUK
5-Day Price Return	-0.32%	1.44%
13-Week Price Return	-4.48%	13.41%
26-Week Price Return	-10.23%	48.30%
52-Week Price Return	-1.04%	50.34%
Month-to-Date Return	1.23%	2.14%
Year-to-Date Return	19.40%	54.54%
10-Day Avg. Volume	35.99M	3.48M
3-Month Avg. Volume	59.91M	4.44M
3-Month Volatility	41.14%	18.04%
Beta	1.06	1.54

Profitability

Return on Equity (TTM)

NU

27.91%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

NU’s Return on Equity of 27.91% 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.

PUK

13.58%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

PUK’s Return on Equity of 13.58% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

NU vs. PUK: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

NU

17.88%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, NU’s Net Profit Margin of 17.88% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

PUK

19.26%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 19.26% places PUK in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

NU vs. PUK: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

NU

25.04%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

NU’s Operating Profit Margin of 25.04% 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.

PUK

20.87%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

NU vs. PUK: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

Symbol	NU	PUK
Return on Equity (TTM)	27.91%	13.58%
Return on Assets (TTM)	4.35%	1.28%
Net Profit Margin (TTM)	17.88%	19.26%
Operating Profit Margin (TTM)	25.04%	20.87%
Gross Profit Margin (TTM)	44.82%	--

Financial Strength

Current Ratio (MRQ)

NU

0.14

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.

PUK

0.36

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

NU vs. PUK: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

NU

3.92

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

PUK

0.27

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

NU vs. PUK: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

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.

PUK

8.97

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

NU vs. PUK: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	NU	PUK
Current Ratio (MRQ)	0.14	0.36
Quick Ratio (MRQ)	0.14	0.36
Debt-to-Equity Ratio (MRQ)	3.92	0.27
Interest Coverage Ratio (TTM)	-0.91	8.97

Growth

Revenue Growth

NU vs. PUK: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

NU vs. PUK: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

NU

0.00%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
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.

PUK

1.63%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

PUK’s Dividend Yield of 1.63% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

NU vs. PUK: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

NU

0.00%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
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.

PUK

24.16%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

PUK’s Dividend Payout Ratio of 24.16% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

NU vs. PUK: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

Symbol	NU	PUK
Dividend Yield (TTM)	0.00%	1.63%
Dividend Payout Ratio (TTM)	0.00%	24.16%

Valuation

Price-to-Earnings Ratio (TTM)

NU

27.72

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

At 27.72, 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.

PUK

14.84

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

PUK’s P/E Ratio of 14.84 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

NU vs. PUK: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

NU

4.96

Banks Industry

Max: 5.06
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.

PUK

2.86

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

PUK’s P/S Ratio of 2.86 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

NU vs. PUK: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

NU

5.73

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

At 5.73, 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.

PUK

1.31

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

PUK’s P/B Ratio of 1.31 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.

NU vs. PUK: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

Symbol	NU	PUK
Price-to-Earnings Ratio (TTM)	27.72	14.84
Price-to-Sales Ratio (TTM)	4.96	2.86
Price-to-Book Ratio (MRQ)	5.73	1.31
Price-to-Free Cash Flow Ratio (TTM)	12.09	9.67