NU vs. WTFC: Nu Holdings vs. Wintrust Financial Stock Comparison

Company Profile

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

Wintrust Financial (WTFC) has more than two decades of public-market history since April 16, 1998, 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 Wintrust Financial (WTFC) sees a more moderate 515.90K — 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 Wintrust Financial (WTFC) at 12.88%, which is closer to a typical peer reading.

Nu Holdings (NU) at 42.73% retains a top-quartile share of revenue as profit, ahead of Wintrust Financial (WTFC) at 32.81%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Nu Holdings (NU) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 11.23% is closer to the peer norm — faster top-line expansion for NU.

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Wintrust Financial (WTFC) at 10.57% is closer to the peer norm — faster per-share earnings growth for NU.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) reports a yield of 1.42%, 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 Wintrust Financial (WTFC) reports a payout of 16.49%, ranking against industry peers normally.

Dividend Metrics

Valuation

Wintrust Financial (WTFC) at 11.60 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 Wintrust Financial (WTFC) 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.

Wintrust Financial (WTFC) at 1.49 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