NU vs WISE Stock Comparison: AI Score, Valuation, Performance and Upside
NU is one of the world's fastest-growing digital banks primarily serving Latin American customers with full banking products, while Wise is a global international money transfer and multi-currency account specialist. Both are fintech companies expanding financial access, but serving very different customer needs and geographies.
NU vs WISE compares two fintech companies expanding access to financial services for underserved populations: Nu's digital banking in Latin America versus Wise's low-cost international money movement globally.
NU holds the edge across 2 of 5 key metrics in this comparison. NU has delivered stronger 1-year price return (-27.87% vs -32.80% for WISE).
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 one of the world's fastest-growing digital banks serving underbanked Latin Americans
- Believe Nu's Brazil profitability demonstrates a replicable model for Mexico and Colombia expansion
- See long-term opportunity in Latin America's large underbanked population gaining access to quality financial services
- Want exposure to the benchmark low-cost international money transfer platform
- Value Wise's expanding multi-currency account and business banking products as higher-value additions
- Are comfortable with a London Stock Exchange listing (accessible via OTC in the U.S.)
| Metric | NU | WISE |
|---|---|---|
| ETF scorei | 31.9 | 21.7 |
| Latest closei | $11.62 | $30.00 |
| 1M returni | -13.48% | -14.94% |
| 3M returni | -19.53% | -15.48% |
| 6M returni | -17.94% | -22.47% |
| 1Y returni | -27.87% | -32.80% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | NU | WISE |
|---|---|---|
| 1Y ago | $7.2K (-28.0%) started 2025-11-03 | $7K (-30.0%) started 2025-11-03 |
| 5Y ago | $11.25K (+12.5%) started 2021-12-09 | $12.83K (+28.3%) started 2023-12-08 |
| 10Y ago | $11.25K (+12.5%) started 2021-12-09 | $12.83K (+28.3%) started 2023-12-08 |
Hypothetical — past performance does not guarantee future results.
| Metric | NU | WISE |
|---|---|---|
| Expense ratioi | N/A | 0.35% |
| Total assets (AUM)i | N/A | $27.94M |
| Dividend yieldi | N/A | 4.54% |
| Trailing P/Ei | 21.10 | 13.51 |
| Betai | 0.94 | 2.00 |
| 52-week change | -27.87% | -32.80% |
| Metric | NU | WISE |
|---|---|---|
| 1Y returni | -27.87% | -32.80% |
| 6M returni | -17.94% | -22.47% |
| 3M returni | -19.53% | -15.48% |
| 1M returni | -13.48% | -14.94% |
| 1Y Sharpe ratio | -0.59 | -1.10 |
| Betai | 0.94 | 2.00 |
| Dividend yieldi | N/A | 4.54% |
| 5Y CAGR | +2.43% | +7.43% |
Over the past year, NU and WISE have moved weakly in the same direction (correlation of 0.33), 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 | WISE |
|---|---|---|---|
| 1Y | Growthi | -27.96% | -32.85% |
| CAGRi | -28.03% | -32.94% | |
| Volatilityi | 45.97% | 35.09% | |
| Sharpe ratioi | -0.59 | -1.10 | |
| Sortino ratioi | -0.78 | -1.44 | |
| Max drawdowni | 38.17% | 33.33% | |
| Current drawdowni | 38.06% | 33.33% | |
| Avg drawdowni | 18.96% | 17.37% | |
| Ulcer Indexi | 21.85% | 18.69% | |
| Max daily dropi | 16.95% | 7.34% | |
| Max wkly dropi | 23.35% | 12.18% | |
| 5Y | Growthi | +12.49% | +23.13% |
| CAGRi | +2.43% | +7.43% | |
| Volatilityi | 58.06% | 33.94% | |
| Sharpe ratioi | 0.25 | 0.25 | |
| Sortino ratioi | 0.37 | 0.35 | |
| Max drawdowni | 72.07% | 39.16% | |
| Current drawdowni | 38.06% | 34.45% | |
| Avg drawdowni | 29.39% | 13.32% | |
| Ulcer Indexi | 35.96% | 16.09% | |
| Max daily dropi | 18.89% | 7.34% | |
| Max wkly dropi | 36.05% | 15.61% | |
| 10Y | Growthi | +12.49% | +23.13% |
| CAGRi | +2.43% | +7.43% | |
| Volatilityi | 58.06% | 33.94% | |
| Sharpe ratioi | 0.25 | 0.25 | |
| Sortino ratioi | 0.37 | 0.35 | |
| Max drawdowni | 72.07% | 39.16% | |
| Current drawdowni | 38.06% | 34.45% | |
| Avg drawdowni | 29.39% | 13.32% | |
| Ulcer Indexi | 35.96% | 16.09% | |
| Max daily dropi | 18.89% | 7.34% | |
| Max wkly dropi | 36.05% | 15.61% |
| Category | NU | WISE |
|---|---|---|
| Fund name | Nu Holdings Ltd. | Themes Generative Artificial Intelligence ETF |
| Type | ETF | ETF |
| Expense ratioi | N/A | 0.35% |
| Total assets (AUM)i | N/A | $27.94M |
| Dividend yieldi | N/A | 4.54% |
- One of the world's largest digital banks by active customer count with extraordinary growth in Brazil
- Credit card and digital banking products addressing a large underbanked Latin American population
- Profitability has been demonstrated in Brazil while Mexico and Colombia represent significant expansion opportunities
- Established the benchmark for low-cost, transparent international money transfer versus opaque bank fees
- Proprietary balance network reduces the actual cross-border movement of money, enabling lower costs at scale
- Multi-currency accounts and business products expand beyond pure transfers toward broader financial services
- Credit quality in Brazil is a persistent focus area as Nu has aggressively expanded credit access
- International expansion in Mexico and Colombia requires significant investment before reaching profitability
- Brazilian consumer credit sensitivity to macro environment, local interest rates, and currency
- Wise is listed on the London Stock Exchange (LSE), limiting some U.S. investor accessibility through OTC trading
- Competition from Revolut, PayPal, and traditional banks improving digital FX offerings
- Take rates are structurally declining as competition intensifies and Wise passes savings to customers
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