NU vs. TD: Nu Holdings vs. Toronto-Dominion Bank Stock Comparison

Company Profile

Nu Holdings (NU) and Toronto-Dominion Bank (TD) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Toronto-Dominion Bank (TD) has more than two decades of public-market history since August 30, 1996, 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 Toronto-Dominion Bank (TD) at 12.83%, 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 Toronto-Dominion Bank (TD) at 26.62% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) at 8.93% is closer to the peer norm — faster top-line expansion for NU.

Both companies show strong earnings momentum, but Toronto-Dominion Bank (TD) at 144.92% is the standout with EPS growth above its industry range; Nu Holdings (NU) at 44.92% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) reports a yield of 3.52%, 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 Toronto-Dominion Bank (TD) reports a payout of 46.36%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Nu Holdings (NU) at 16.48 and Toronto-Dominion Bank (TD) at 18.16 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Nu Holdings (NU) in Banks and Toronto-Dominion Bank (TD) 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.

Both look rich against book: Toronto-Dominion Bank (TD) at 2.27 sits in the upper P/B ratio quartile, and Nu Holdings (NU) at 4.39 prices even higher, above its industry range.

Valuation Metrics