NU vs SCHW Stock Comparison: AI Score, Valuation, Performance and Upside
NU and SCHW are both large consumer financial platforms in entirely different markets and stages. Nu Holdings is growing quickly in Latin America, earning from lending and carrying real credit and currency risk. Charles Schwab is a mature US brokerage and custodian with enormous client assets, earning mostly from net interest on client cash and asset management fees, paying a dividend, and growing slowly.
Use this NU vs SCHW comparison to decide whether you want emerging market growth or developed market scale. Nu offers a long growth runway with credit and currency risk attached. Schwab offers a durable franchise with modest growth whose earnings depend mainly on interest rates and where clients choose to keep their cash.
SCHW holds the edge across 3 of 5 key metrics in this comparison. SCHW has delivered stronger 1-year price return (+7.21% vs -15.12%), though NU has the better forward P/E setup (13.43x vs 14.11x for SCHW). On fundamentals, NU is growing revenue faster (52.10%), while SCHW maintains the higher operating margin (52.28%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for NU (+21.96%) than for SCHW (+13.43%).
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 high-growth exposure to underbanked Latin American markets
- Believe the cost advantage over incumbent banks is durable
- Accept credit, macroeconomic, and currency risk
- Do not require dividend income
- Want scale exposure to US retail investing and adviser custody
- Value dividends and buybacks from recurring fee revenue
- Prefer a mature, highly retentive client franchise
- Accept slow growth and sensitivity to client cash behaviour
| Metric | NU | SCHW |
|---|---|---|
| AI scorei | 32.5 | 52.7 |
| AI ranki | #2024 | #330 |
| Latest closei | $13.59 | $99.03 |
| 1M returni | -10.42% | -9.47% |
| 6M returni | -0.07% | +7.22% |
| 1Y returni | -15.12% | +7.21% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | NU | SCHW |
|---|---|---|
| 1Y ago | $8.61K (-13.9%) started 2025-09-25 | $10.45K (+4.5%) started 2025-09-25 |
| 5Y ago | $13.16K (+31.6%) started 2021-12-09 | $14.2K (+42.0%) started 2021-09-27 |
| 10Y ago | $13.16K (+31.6%) started 2021-12-09 | $40.98K (+309.8%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | NU | SCHW |
|---|---|---|
| Market capi | $74.39B | $190.5B |
| Trailing P/Ei | 21.10 | 20.07 |
| Forward P/Ei | 13.43 | 14.11 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 7.18 | 6.77 |
| Analyst targeti | $18.78 | $124.95 |
| Target upsidei | +21.96% | +13.43% |
| Metric | NU | SCHW |
|---|---|---|
| Revenue growthi | 52.10% | 20.90% |
| Earnings growthi | 66.30% | 42.60% |
| EPS growthi | +66.30% | +42.60% |
| FCF margini | N/A | N/A |
| Operating margini | 50.15% | 52.28% |
| Profit margini | 42.73% | 38.79% |
| ROIC proxyi | 31.63% | 20.27% |
| Return on equityi | 31.63% | 20.27% |
| Dividend yieldi | N/A | 1.16% |
| Payout ratioi | 0.00% | 21.49% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 0.94 | 0.75 |
| Debt/equityi | N/A | 151.11 |
| Current ratioi | N/A | 0.66 |
| Quick ratioi | N/A | 0.66 |
Over the past year, NU and SCHW have moved weakly in the same direction (correlation of 0.23), 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 | SCHW |
|---|---|---|---|
| 1Y | Growthi | -13.88% | +4.48% |
| CAGRi | -13.90% | +4.49% | |
| Volatilityi | 38.51% | 25.26% | |
| Sharpe ratioi | -0.31 | 0.12 | |
| Sortino ratioi | -0.43 | 0.16 | |
| Max drawdowni | 38.17% | 20.39% | |
| Current drawdowni | 27.56% | 12.86% | |
| Avg drawdowni | 16.70% | 7.24% | |
| Ulcer Indexi | 20.22% | 9.34% | |
| Max daily dropi | 9.55% | 7.63% | |
| Max wkly dropi | 14.55% | 13.18% | |
| 5Y | Growthi | +31.56% | +34.72% |
| CAGRi | +5.89% | +6.15% | |
| Volatilityi | 57.37% | 31.97% | |
| Sharpe ratioi | 0.31 | 0.21 | |
| Sortino ratioi | 0.45 | 0.29 | |
| Max drawdowni | 72.07% | 49.70% | |
| Current drawdowni | 27.56% | 12.86% | |
| Avg drawdowni | 29.49% | 18.58% | |
| Ulcer Indexi | 36.14% | 22.89% | |
| Max daily dropi | 18.89% | 12.77% | |
| Max wkly dropi | 36.05% | 32.23% | |
| 10Y | Growthi | +31.56% | +263.86% |
| CAGRi | +5.89% | +13.79% | |
| Volatilityi | 57.37% | 33.13% | |
| Sharpe ratioi | 0.31 | 0.42 | |
| Sortino ratioi | 0.45 | 0.60 | |
| Max drawdowni | 72.07% | 51.08% | |
| Current drawdowni | 27.56% | 12.86% | |
| Avg drawdowni | 29.49% | 17.07% | |
| Ulcer Indexi | 36.14% | 21.82% | |
| Max daily dropi | 18.89% | 12.77% | |
| Max wkly dropi | 36.05% | 32.23% |
| Category | NU | SCHW |
|---|---|---|
| Company | Nu Holdings Ltd. | The Charles Schwab Corporation |
| 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 investments, expanding into Mexico and Colombia. | Largest US retail brokerage and custodian for independent advisers, with very large client assets. Earns principally from net interest on client cash, asset management and administration fees, and trading revenue. |
| Investor focus | Customer and revenue per customer growth, net interest margin, credit quality, expansion losses, and Brazilian macro conditions. | Net new client assets, client cash levels, net interest margin and funding costs, and capital return. |
- Cost to serve far below incumbent banks, a structural advantage that scales
- Very large customer base in markets with low historical banking penetration
- Profitable while still funding geographic expansion
- Vast client asset base with strong retention and scale cost advantages
- Fee revenue from asset management is recurring and relatively predictable
- Returns capital through dividends and buybacks
- Unsecured consumer credit losses can rise sharply in an emerging market downturn
- Brazilian rate policy and currency moves affect dollar results
- New markets operate at a loss for an extended period
- Highly sensitive to client cash behaviour and to the cost of replacing sorted deposits
- Mature growth profile dependent on net new assets rather than new markets
- Concentrated in a single, highly competitive national market
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