ITUB vs NU Comparison: AI Score, Valuation, Performance and Upside
Compare Itaú Unibanco and Nu Holdings by Brazil's largest legacy bank vs fastest-growing digital bank, return on equity, credit quality, customer acquisition cost, and which Brazilian financial institution offers better long-term compounding.
Use this Itaú Unibanco vs Nu Holdings comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
ITUB holds the edge across 3 of 5 key metrics in this comparison. ITUB leads on both 1-year return (+46.69%) and forward P/E quality (8.38x vs 12.19x for NU), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for NU (+27.62%) than for ITUB (+6.73%).
| Metric | ITUB | NU |
|---|---|---|
| AI score | 41.6 | 32.6 |
| AI rank | #983 | #2073 |
| Latest close | $8.28 | $14.09 |
| 1M return | +5.11% | +13.08% |
| 6M return | +2.90% | -21.72% |
| 1Y return | +46.69% | +10.51% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | ITUB | NU |
|---|---|---|
| 1Y ago | $16.03K (+60.3%) started 2025-07-24 | $11.05K (+10.5%) started 2025-07-24 |
| 5Y ago | $40.74K (+307.4%) started 2021-07-26 | $13.64K (+36.4%) started 2021-12-09 |
| 10Y ago | $73.27K (+632.7%) started 2016-07-25 | $13.64K (+36.4%) started 2021-12-09 |
Hypothetical — past performance does not guarantee future results.
| Metric | ITUB | NU |
|---|---|---|
| Market cap | $91.26B | $68.06B |
| Trailing P/E | 10.22 | 21.68 |
| Forward P/E | 8.38 | 12.19 |
| Price/Sales | 0.66 | 8.96 |
| EV/Revenue | 5.24 | 7.80 |
| Analyst target | $8.84 | $17.98 |
| Target upside | +6.73% | +27.62% |
| Metric | ITUB | NU |
|---|---|---|
| Revenue growth | -2.10% | 43.70% |
| Earnings growth | 11.40% | 55.90% |
| EPS growth | +11.40% | +55.90% |
| FCF margin | N/A | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 33.28% | 41.92% |
| ROIC proxy | 21.82% | 30.05% |
| Return on equity | 21.82% | 30.05% |
| Dividend yield | 2.08% | 0.00% |
| Beta | 0.15 | 0.95 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | ITUB | NU |
|---|---|---|---|
| 1Y | Growth | +46.69% | +10.51% |
| CAGR | +46.73% | +10.52% | |
| Sharpe ratio | 1.26 | 0.34 | |
| Max drawdown | 21.57% | 38.17% | |
| Max daily drop | 6.44% | 9.55% | |
| Max wkly drop | 10.77% | 14.55% | |
| 5Y | Growth | +177.97% | +36.40% |
| CAGR | +22.72% | +6.95% | |
| Sharpe ratio | 0.65 | 0.33 | |
| Max drawdown | 31.60% | 72.07% | |
| Max daily drop | 7.86% | 18.89% | |
| Max wkly drop | 16.75% | 36.05% | |
| 10Y | Growth | +230.81% | +36.40% |
| CAGR | +12.71% | +6.95% | |
| Sharpe ratio | 0.39 | 0.33 | |
| Max drawdown | 62.13% | 72.07% | |
| Max daily drop | 18.44% | 18.89% | |
| Max wkly drop | 28.38% | 36.05% |
| Category | ITUB | NU |
|---|---|---|
| Company | ITUB | NU |
| Sector | N/A | N/A |
| Industry | N/A | N/A |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.