NU vs. SMFG: Nu Holdings vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

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

Sumitomo Mitsui Financial (SMFG) has more than two decades of public-market history since January 27, 2006, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.

Nu Holdings (NU) trades as ordinary local shares, while Sumitomo Mitsui Financial (SMFG) 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

Nu Holdings (NU) at 31.63% delivers above-range ROE, while Sumitomo Mitsui Financial (SMFG) at 8.57% falls into the bottom quartile — a wide split in profit generated from equity.

Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of Sumitomo Mitsui Financial (SMFG) at 27.82%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) at 14.32% is closer to the peer norm — faster top-line expansion for NU.

Both Nu Holdings (NU) at 44.92% and Sumitomo Mitsui Financial (SMFG) at 36.62% 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) reports a yield of 334.33%, 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 Sumitomo Mitsui Financial (SMFG) reports a payout of 33.62%, ranking against industry peers normally.

Dividend Metrics

Valuation

Sumitomo Mitsui Financial (SMFG) 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 Sumitomo Mitsui Financial (SMFG) 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.

Sumitomo Mitsui Financial (SMFG) at 1.45 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