Nu Holdings [NU] vs NatWest Group plc [NWG] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Nu Holdings Ltd. wins in 6 metrics, NatWest Group plc Sponsored ADR wins in 12 metrics, with 0 ties. NatWest Group plc Sponsored ADR appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Nu Holdings Ltd. | NatWest Group plc Sponsored ADR | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 25.60 | 8.77 | NatWest Group plc Sponsored ADR |
| Price-to-Book Ratio | 6.39 | 1.24 | NatWest Group plc Sponsored ADR |
| Debt-to-Equity Ratio | 0.47 | 4.93 | Nu Holdings Ltd. |
| PEG Ratio | 12.95 | 0.64 | NatWest Group plc Sponsored ADR |
| Profit Margin (TTM) | 41.04% | 36.51% | Nu Holdings Ltd. |
| Operating Margin (TTM) | 52.15% | 47.06% | Nu Holdings Ltd. |
| EBITDA Margin (TTM) | 52.15% | 47.06% | Nu Holdings Ltd. |
| Return on Equity | 30.28% | 14.23% | Nu Holdings Ltd. |
| Return on Assets (TTM) | 4.60% | 0.82% | Nu Holdings Ltd. |
| Free Cash Flow (TTM) | $3.16B | $5.79B | NatWest Group plc Sponsored ADR |
| Dividend Yield | N/A | 6.34% | N/A |
| 1-Year Return | 2.44% | 18.43% | NatWest Group plc Sponsored ADR |
| Price-to-Sales Ratio (TTM) | 10.32 | 3.99 | NatWest Group plc Sponsored ADR |
| Enterprise Value | $61.08B | $74.45B | NatWest Group plc Sponsored ADR |
| EV/Revenue Ratio | 8.74 | 3.45 | NatWest Group plc Sponsored ADR |
| Revenue per Share (TTM) | $1 | $4 | NatWest Group plc Sponsored ADR |
| Earnings per Share (Diluted) | $0.58 | $1.82 | NatWest Group plc Sponsored ADR |
| Beta (Stock Volatility) | 1.11 | 0.83 | NatWest Group plc Sponsored ADR |
| Short % of Float | 3.57% | 0.03% | NatWest Group plc Sponsored ADR |
Nu Holdings Ltd. vs NatWest Group plc Sponsored ADR Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Nu Holdings Ltd. | 1.97% | 7.16% | 1.97% | -12.89% | -25.35% | -26.97% |
| NatWest Group plc Sponsored ADR | -0.60% | 3.58% | 10.01% | 7.08% | -2.54% | -7.52% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Nu Holdings Ltd. | 2.44% | 61.67% | 2.87% | 2.87% | 2.87% | 2.87% |
| NatWest Group plc Sponsored ADR | 18.43% | 151.59% | 176.79% | 137.54% | 18.18% | -92.53% |
Performance & Financial Health Analysis: Nu Holdings Ltd. vs NatWest Group plc Sponsored ADR
| Metric | NU | NWG |
|---|---|---|
| Market Information | ||
| Market Cap | $70.28B | $62.50B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 35,805,275 | 3,354,153 |
| 90 Day Avg. Volume | 48,322,045 | 4,128,594 |
| Last Close | $12.43 | $16.48 |
| 52 Week Range | $11.20 - $18.98 | $12.91 - $19.36 |
| % from 52W High | -34.51% | -14.88% |
| All-Time High | $18.98 (Jan 29, 2026) | $241.80 (Oct 29, 2007) |
| % from All-Time High | -34.51% | -93.18% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.44% | 0.11% |
| Quarterly Earnings Growth | 0.62% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.41% | 0.37% |
| Operating Margin (TTM) | 0.52% | 0.47% |
| Return on Equity (TTM) | 0.30% | 0.14% |
| Debt to Equity (MRQ) | 0.47 | 4.93 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $2.33 | $12.85 |
| Cash per Share (MRQ) | $3.36 | $28.53 |
| Operating Cash Flow (TTM) | $-9,360,818,176 | $-16,770,539,519 |
| Levered Free Cash Flow (TTM) | $2.87B | $5.48B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 6.34% |
| Last 12-Month Dividend | N/A | $0.88 |
Valuation & Enterprise Metrics Analysis: Nu Holdings Ltd. vs NatWest Group plc Sponsored ADR
| Metric | NU (Apr 24, 2026) | NWG (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 25.60 | 8.77 |
| Forward P/E | 12.95 | 7.45 |
| PEG Ratio | 12.95 | 0.64 |
| Price to Sales (TTM) | 10.32 | 3.99 |
| Price to Book (MRQ) | 6.39 | 1.24 |
| Market Capitalization | ||
| Market Capitalization | $70.28B | $62.50B |
| Enterprise Value | $61.08B | $74.45B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.74 | 3.45 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.11 | 0.83 |
| Book Value per Share (MRQ) | $2.33 | $12.85 |
Financial Statements Comparison: Nu Holdings Ltd. vs NatWest Group plc Sponsored ADR
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | NU (2025) | NWG (2025) |
|---|---|---|
| Revenue/Sales | 10.63B | 16.61B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 3.87B | 7.71B |
| Pre-Tax Income % of Revenue | 36.4% | 46.4% |
| Income Tax | 996.75M | 1.87B |
| Income Tax % of Revenue | 9.4% | 11.3% |
| Net Income (Profit) | 2.87B | 5.83B |
| Profit Margin | 27.0% | 35.1% |
Balance Sheet & Liquidity Metrics
| Metric | NU (2025) | NWG (2025) |
|---|---|---|
| Cash & Equivalents | 20.93B | 85.35B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 299.00M | 71.83B |
| Long-Term Debt % of Revenue | 2.8% | 432.5% |
| Total Shareholders Equity | 11.32B | 42.61B |
| Retained Earnings | 6.41B | 14.42B |
| Retained Earnings % of Revenue | 60.3% | 86.8% |
| Property, Plant & Equipment | 49.79M | 4.28B |
Cash Flow Statement Comparison
| Metric | NU (2025) | NWG (2025) |
|---|---|---|
| Operating Cash Flow | 2.44B | 6.00B |
| Operating Cash Flow % of Revenue | 23.0% | 36.1% |
| Capital Expenditures | -7.22M | -605.00M |
| Free Cash Flow | 3.16B | 5.79B |
| FCF Margin | 29.7% | 34.9% |
| Debt Repayment | -539.46M | -4.18B |
| Common Stock Repurchase | N/A | -2.56B |
Short Interest & Institutional Ownership Analysis
| Metric | NU | NWG |
|---|---|---|
| Shares Short | 135.40M | 1.29M |
| Short Ratio | 2.26 | 0.27 |
| Short % of Float | 3.57% | 0.03% |
| Shares Outstanding | 4.86B | 7.99B |
| Float Shares | 3.63B | 7.96B |
| % Held by Insiders | 5.61% | 0.00% |
| % Held by Institutions | 85.71% | 4.78% |
| % Held by Public | 8.68% | 95.22% |
Dividend Analysis & Yield Comparison: Nu Holdings Ltd. vs NatWest Group plc Sponsored ADR
| Metric | NU | NWG |
|---|---|---|
| Last 12-Month Dividend | N/A | $0.88 |
| Last 12-Month Dividend Yield | N/A | 6.34% |
| 3-Year Avg Annual Dividend | N/A | $0.66 |
| 3-Year Avg Dividend Yield | N/A | 2.94% |
| 3-Year Total Dividends | N/A | $1.99 |
| Ex-Dividend Date | N/A | Mar 20, 2026 |