NU vs. UMBF: Nu Holdings vs. UMB Financial Stock Comparison

Company Profile

Nu Holdings (NU) and UMB Financial (UMBF) both belong to the Banks industry, though NU is classified under Diversified Banks while UMBF falls under Regional Banks.

UMB Financial (UMBF) has more than two decades of public-market history since March 17, 1980, 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

Nu Holdings (NU) is heavily traded at around 80.53M shares per day, whereas UMB Financial (UMBF) sees a more moderate 608.54K — larger orders in the latter may require more patience and tighter control over order sizing.

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 UMB Financial (UMBF) at 13.50%, which is closer to a typical peer reading.

For every dollar of sales, both Nu Holdings (NU) at 42.73% and UMB Financial (UMBF) at 35.61% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and UMB Financial (UMBF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both companies are growing quickly, but UMB Financial (UMBF) at 65.66% is the standout with revenue growth above its industry range; Nu Holdings (NU) at 28.51% also sits in the top quartile.

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while UMB Financial (UMBF) at 3.34% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and UMB Financial (UMBF) 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 UMB Financial (UMBF) 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 UMB Financial (UMBF) reports a yield of 1.33%, 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 UMB Financial (UMBF) reports a payout of 13.54%, ranking against industry peers normally.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Nu Holdings (NU) at 16.48 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Nu Holdings (NU) in Banks and UMB Financial (UMBF) 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.

UMB Financial (UMBF) at 1.34 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