NU vs. TFC: Nu Holdings vs. Truist Financial Stock Comparison
How do Nu Holdings (NU) and Truist Financial (TFC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Nu Holdings (NU) and Truist Financial (TFC) both belong to the Banks industry, though NU is classified under Diversified Banks while TFC falls under Regional Banks.
Truist Financial (TFC) has more than two decades of public-market history since March 18, 1980, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.
| Profile Item | NU | TFC |
|---|---|---|
| Name | Nu Holdings Ltd. Class A Ordinary Shares | Truist Financial Corporation |
| Country/Region | Brazil | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 58.11 billion USD | 59.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 9, 2021 | March 18, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | NU | TFC |
|---|---|---|
| Total Return (1Y) | -22.46% | 18.58% |
| Total Return (3Y, Annualized) | 14.21% | 25.74% |
| Total Return (5Y, Annualized) | -- | -0.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | NU | TFC |
|---|---|---|
| Volatility (1Y, Annualized) | 46.14% | 23.91% |
| Beta (5Y) | 0.94 | 0.88 |
| Max Drawdown (5Y) | -72.07% | -59.11% |
| Avg. Volume (3M) | 80.53M | 7.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | NU | TFC |
|---|---|---|
| Sharpe Ratio (1Y) | -0.58 | 0.60 |
| Sortino Ratio (1Y) | -0.78 | 0.83 |
Profitability
ROE (TTM)
Nu Holdings (NU) at 31.63% delivers above-range ROE, while Truist Financial (TFC) at 8.16% falls into the bottom quartile — a wide split in profit generated from equity.
NU
Banks industry group
31.63%
- NU
- 31.63%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Net Margin (TTM)
Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of Truist Financial (TFC) at 28.38%, which keeps about the industry-typical share.
NU
Banks industry group
42.73%
- Max
- 47.19%
- NU
- 42.73%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | NU | TFC |
|---|---|---|
| ROE (TTM) | 31.63% | 8.16% |
| ROA (TTM) | 4.96% | 0.95% |
| Net Margin (TTM) | 42.73% | 28.38% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both companies are growing quickly, but Truist Financial (TFC) at 53.03% is the standout with revenue growth above its industry range; Nu Holdings (NU) at 28.51% also sits in the top quartile.
EPS Growth
Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Truist Financial (TFC) at 13.69% is closer to the peer norm — faster per-share earnings growth for NU.
Growth Metrics
| Metric | NU | TFC |
|---|---|---|
| Revenue Growth (YoY) | 28.51% | 53.03% |
| Revenue Growth (3Y CAGR) | 52.93% | 0.57% |
| EPS Growth (YoY) | 44.92% | 13.69% |
| EPS Growth (3Y CAGR) | -- | -4.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and Truist Financial (TFC) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Nu Holdings (NU) in Banks and Truist Financial (TFC) 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
| Metric | NU | TFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Nu Holdings (NU) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Truist Financial (TFC) reports a yield of 4.17%, ranking against industry peers normally.
NU
Banks industry group
0.00%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- NU
- 0.00%
- Min
- 0.00%
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Nu Holdings (NU) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Truist Financial (TFC) reports a payout of 53.61%, ranking against industry peers normally.
NU
Banks industry group
0.00%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- NU
- 0.00%
- Min
- 0.00%
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | NU | TFC |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 4.17% |
| Dividend Payout Ratio (TTM) | 0.00% | 53.61% |
Valuation
P/E Ratio (TTM)
Truist Financial (TFC) at 12.73 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.
NU
Banks industry group
16.48
- Max
- 18.16
- NU
- 16.48
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Nu Holdings (NU) in Banks and Truist Financial (TFC) 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.
P/B Ratio (MRQ)
Truist Financial (TFC) at 1.06 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.
NU
Banks industry group
4.39
- NU
- 4.39
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | NU | TFC |
|---|---|---|
| P/E Ratio (TTM) | 16.48 | 12.73 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 4.39 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |