NU vs. XYZ: Nu Holdings vs. Block Stock Comparison

November 11, 2026

How do Nu Holdings (NU) and Block (XYZ) 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 Block (XYZ) share the Financials sector but sit in different industry groups — NU in Banks and XYZ in Financial Services.

Company profile comparison for Nu Holdings (NU) and Block (XYZ)
Profile Item	NU	XYZ
Name	Nu Holdings Ltd. Class A Ordinary Shares	Block Inc. Class A Common Stock
Country/Region	Brazil	United States
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Financial Services
GICS Industry	Banks	Financial Services
GICS Sub-Industry	Diversified Banks	Transaction & Payment Processing Services
Market Capitalization	58.11 billion USD	51.67 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	December 9, 2021	November 19, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

XYZ

GSPC

Nu Holdings (NU) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Nu Holdings (NU) and Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Nu Holdings (NU) and Block (XYZ). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
Total Return (1Y)	-22.46%	35.34%
Total Return (3Y, Annualized)	14.21%	20.17%
Total Return (5Y, Annualized)	--	-17.43%

Risk Profile

Drawdown History

XYZ

GSPC

Nu Holdings (NU) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Nu Holdings (NU) and Block (XYZ). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas Nu Holdings (NU) is closer to market-like at 0.94 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
Volatility (1Y, Annualized)	46.14%	48.01%
Beta (5Y)	0.94	2.48
Max Drawdown (5Y)	-72.07%	-83.55%
Avg. Volume (3M)	80.53M	4.73M

Risk-Adjusted Performance

Risk-Return Positioning

NU and XYZ are plotted by 1-year volatility (risk) and 1-year return. Each dashed Capital Allocation Line uses that stock's own industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
Sharpe Ratio (1Y)	-0.58	0.65
Sortino Ratio (1Y)	-0.78	1.03

Profitability

ROE (TTM)

Nu Holdings (NU) at 31.63% delivers above-range ROE, while Block (XYZ) at 2.02% 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%

XYZ

Financial Services industry group

2.02%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
XYZ: 2.02%
Min: -18.71%

Nu Holdings (NU) vs. Block (XYZ): A comparison of their ROE against their respective Banks and Financial Services industry group benchmarks.

Net Margin (TTM)

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while Block (XYZ) at 1.80% keeps a bottom-quartile 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%

XYZ

Financial Services industry group

1.80%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
XYZ: 1.80%
Min: -28.52%

Nu Holdings (NU) vs. Block (XYZ): A comparison of their net margin against their respective Banks and Financial Services industry group benchmarks.

Operating Margin (TTM)

Block (XYZ) reports operating margin of 6.65%; Nu Holdings (NU) doesn’t report a comparable line — in Banks, funding costs sit inside the core business rather than below an operating line, so profitability is better judged on net margin or ROE.

NU

Banks industry group

NU: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

XYZ

Financial Services industry group

6.65%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
XYZ: 6.65%
Min: -44.34%

Nu Holdings (NU) vs. Block (XYZ): NU’s operating margin is not assessed under the Banks industry convention, so the chart shows available visual context for XYZ only.

Profitability Metrics

Profitability metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
ROE (TTM)	31.63%	2.02%
ROA (TTM)	4.96%	1.94%
Net Margin (TTM)	42.73%	1.80%
Operating Margin (TTM)	--	6.65%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Nu Holdings (NU) at 28.51% sits in the top revenue growth quartile, while Block (XYZ) at 0.30% is in the bottom quartile, showing a clear gap in revenue momentum.

Nu Holdings (NU) vs. Block (XYZ): A comparison of their Revenue Growth across different time periods.

EPS Growth

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while Block (XYZ) at -53.95% is in the bottom quartile, showing a clear gap in earnings momentum.

Nu Holdings (NU) vs. Block (XYZ): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
Revenue Growth (YoY)	28.51%	0.30%
Revenue Growth (3Y CAGR)	52.93%	11.33%
EPS Growth (YoY)	44.92%	-53.95%
EPS Growth (3Y CAGR)	--	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Nu Holdings (NU) in Banks and Block (XYZ) in Financial Services 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 Block (XYZ) in Financial Services 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

Financial strength metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Neither Nu Holdings (NU) nor Block (XYZ) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

NU

Banks industry group

0.00%

Max: 5.79%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
NU: 0.00%
Min: 0.00%

XYZ

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Nu Holdings (NU) vs. Block (XYZ): A comparison of their dividend yield against their respective Banks and Financial Services industry group benchmarks.

Dividend Payout Ratio (TTM)

Neither Nu Holdings (NU) nor Block (XYZ) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

NU

Banks industry group

0.00%

Max: 70.75%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
NU: 0.00%
Min: 0.00%

XYZ

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Nu Holdings (NU) vs. Block (XYZ): A comparison of their payout ratio against their respective Banks and Financial Services industry group benchmarks.

Dividend Metrics

Dividend metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Nu Holdings (NU) at 16.48 sits in the richer P/E ratio quartile, and Block (XYZ) at 112.47 is richer still, above its industry range.

NU

Banks industry group

16.48

Max: 18.16
NU: 16.48
Q3: 13.75
Median: 11.81
Q1: 10.64
Min: 6.49

XYZ

Financial Services industry group

112.47

XYZ: 112.47
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Nu Holdings (NU) vs. Block (XYZ): A comparison of their P/E ratio against their respective Banks and Financial Services industry group benchmarks.

P/S Ratio (TTM)

Block (XYZ) shows P/S ratio of 2.01; for Nu Holdings (NU) the multiple is skipped — in Banks, income is dominated by interest spread rather than a conventional revenue line, so pricing per dollar of sales loses meaning and book- or earnings-based multiples carry the comparison.

NU

Banks industry group

NU: --
Max: --
Q3: --
Median: --
Q1: --
Min: --

XYZ

Financial Services industry group

2.01

Max: 9.23
Q3: 4.57
Median: 2.72
XYZ: 2.01
Q1: 1.28
Min: -0.55

Nu Holdings (NU) vs. Block (XYZ): NU’s P/S ratio is not assessed under the Banks industry convention, so the chart shows available visual context for XYZ only.

P/B Ratio (MRQ)

Block (XYZ) at 2.26 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.

NU

Banks industry group

4.39

NU: 4.39
Max: 2.28
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59

XYZ

Financial Services industry group

2.26

Max: 7.79
Q3: 3.63
XYZ: 2.26
Median: 1.57
Q1: 0.81
Min: -0.39

Nu Holdings (NU) vs. Block (XYZ): A comparison of their P/B ratio against their respective Banks and Financial Services industry group benchmarks.

Valuation Metrics

Valuation metrics for Nu Holdings (NU) and Block (XYZ)
Metric	NU	XYZ
P/E Ratio (TTM)	16.48	112.47
P/S Ratio (TTM)	--	2.01
P/B Ratio (MRQ)	4.39	2.26
Free Cash Flow Yield (TTM)	--	--