NU vs HOOD Stock Comparison: AI Score, Valuation, Performance and Upside
NU and HOOD are both digital-first financial platforms with very different engines. Nu Holdings is a bank: it takes deposits, lends money, and earns net interest income, with credit risk as its central concern. Robinhood is a brokerage: it earns from trading activity, interest on balances, and subscriptions, with market sentiment and interest rates as its central concerns. Neither is a substitute for the other in a portfolio.
Use this NU vs HOOD comparison to identify the risk you are underwriting. With Nu Holdings you are underwriting consumer credit quality in Latin America and the durability of its cost advantage. With Robinhood you are underwriting trading engagement and interest rate levels, neither of which the company controls.
NU holds the edge across 3 of 5 key metrics in this comparison. HOOD has delivered stronger 1-year price return (-5.84% vs -15.12%), though NU has the better forward P/E setup (13.43x vs 32.48x for HOOD). NU leads on both revenue growth (52.10%) and operating margin (50.15%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for NU (+21.96%) than for HOOD (+15.80%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to digital banking growth in large underbanked markets
- Believe the low cost to serve advantage will keep widening against incumbents
- Accept emerging market credit, macro, and currency risk
- Prefer a profitable growth business to a sentiment-driven one
- Want exposure to retail trading activity, options volume, and crypto engagement
- Believe subscriptions and net interest will keep diversifying the revenue mix
- Accept that revenue falls when market enthusiasm cools
- Are comfortable with regulatory attention on order-flow economics
| Metric | NU | HOOD |
|---|---|---|
| AI scorei | 32.5 | 50.7 |
| AI ranki | #2024 | #451 |
| Latest closei | $13.59 | $119.40 |
| 1M returni | -10.42% | +10.01% |
| 6M returni | -0.07% | +80.85% |
| 1Y returni | -15.12% | -5.84% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | NU | HOOD |
|---|---|---|
| 1Y ago | $8.61K (-13.9%) started 2025-09-25 | $9.74K (-2.6%) started 2025-09-25 |
| 5Y ago | $13.16K (+31.6%) started 2021-12-09 | $26.68K (+166.8%) started 2021-09-27 |
| 10Y ago | $13.16K (+31.6%) started 2021-12-09 | $34.29K (+242.9%) started 2021-07-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | NU | HOOD |
|---|---|---|
| Market capi | $74.39B | $95.79B |
| Trailing P/Ei | 21.10 | 47.14 |
| Forward P/Ei | 13.43 | 32.48 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 7.18 | 18.68 |
| Analyst targeti | $18.78 | $123.38 |
| Target upsidei | +21.96% | +15.80% |
| Metric | NU | HOOD |
|---|---|---|
| Revenue growthi | 52.10% | 32.30% |
| Earnings growthi | 66.30% | 47.60% |
| EPS growthi | +66.30% | +47.60% |
| FCF margini | N/A | N/A |
| Operating margini | 50.15% | 43.88% |
| Profit margini | 42.73% | 42.01% |
| ROIC proxyi | 31.63% | 23.62% |
| Return on equityi | 31.63% | 23.62% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | 0.94 | 2.32 |
| Debt/equityi | N/A | 240.28 |
| Current ratioi | N/A | 1.12 |
| Quick ratioi | N/A | 1.07 |
Over the past year, NU and HOOD have moved moderately in the same direction (correlation of 0.42), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | NU | HOOD |
|---|---|---|---|
| 1Y | Growthi | -13.88% | -2.65% |
| CAGRi | -13.90% | -2.65% | |
| Volatilityi | 38.51% | 72.94% | |
| Sharpe ratioi | -0.31 | 0.26 | |
| Sortino ratioi | -0.43 | 0.40 | |
| Max drawdowni | 38.17% | 57.26% | |
| Current drawdowni | 27.56% | 21.68% | |
| Avg drawdowni | 16.70% | 32.44% | |
| Ulcer Indexi | 20.22% | 35.87% | |
| Max daily dropi | 9.55% | 13.24% | |
| Max wkly dropi | 14.55% | 28.21% | |
| 5Y | Growthi | +31.56% | +166.76% |
| CAGRi | +5.89% | +21.71% | |
| Volatilityi | 57.37% | 68.44% | |
| Sharpe ratioi | 0.31 | 0.56 | |
| Sortino ratioi | 0.45 | 0.85 | |
| Max drawdowni | 72.07% | 84.61% | |
| Current drawdowni | 27.56% | 21.68% | |
| Avg drawdowni | 29.49% | 50.87% | |
| Ulcer Indexi | 36.14% | 57.75% | |
| Max daily dropi | 18.89% | 19.79% | |
| Max wkly dropi | 36.05% | 28.21% | |
| 10Y | Growthi | +31.56% | +242.91% |
| CAGRi | +5.89% | +26.99% | |
| Volatilityi | 57.37% | 73.90% | |
| Sharpe ratioi | 0.31 | 0.62 | |
| Sortino ratioi | 0.45 | 0.98 | |
| Max drawdowni | 72.07% | 90.21% | |
| Current drawdowni | 27.56% | 21.68% | |
| Avg drawdowni | 29.49% | 59.19% | |
| Ulcer Indexi | 36.14% | 65.63% | |
| Max daily dropi | 18.89% | 27.59% | |
| Max wkly dropi | 36.05% | 28.21% |
| Category | NU | HOOD |
|---|---|---|
| Company | Nu Holdings Ltd. | Robinhood Markets, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Capital Markets |
| Core business | Operator of Nubank, a branchless digital bank serving a very large customer base in Brazil with credit cards, deposits, lending, and investment products, and expanding into Mexico and Colombia. Its advantage is an extremely low cost to serve each customer. | Retail brokerage offering commission-free equity and options trading, cryptocurrency, retirement accounts, and a paid Gold subscription. Revenue comes from transaction-based rebates, net interest on customer balances and margin lending, and subscriptions. |
| Investor focus | Customer growth and revenue per active customer, net interest margin, credit quality as the loan book matures, Mexico and Colombia expansion losses, and Brazilian interest rate policy. | Options and crypto trading volumes, net deposits and funded accounts, Gold subscriber growth, interest rate sensitivity, and regulatory scrutiny of order-flow arrangements. |
- Cost to serve per customer is a fraction of incumbent banks, a structural advantage that widens with scale
- Very large and still growing customer base in underbanked markets with room for product cross-sell
- Already profitable, unusual for a digital bank at this stage of expansion
- Highly efficient mobile-first platform with strong appeal to younger investors
- Gold subscriptions and net interest revenue reduce dependence on trading activity alone
- Operating leverage is considerable when engagement and volumes rise
- Credit losses on unsecured consumer lending in emerging markets can rise quickly in a downturn
- Brazilian macroeconomic conditions, policy rates, and currency moves affect reported results in dollars
- Expansion markets consume capital and operate at a loss before reaching scale
- A large part of revenue depends on options and crypto trading activity, which is cyclical and sentiment-driven
- Order-flow based revenue has drawn recurring regulatory attention
- Falling interest rates reduce net interest revenue on customer cash
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