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NU
Nu Holdings Ltd. · Financials - Digital Banking (Latin America)
$12.71
+3.42% this month
VERSUS
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COMPARE
WISE
Wise plc · Financials - International Money Transfer
$40.14
+6.16% this month
Scoreboard verdict
Across expense ratio, momentum, yield, fund size, risk
NU
1
WISE
2
Comparison scoreboard
WISE LEADS 2/5Exp. Ratio
NU N/A
WISE 0.35%
1Y Return
NU +3.84%
WISE ✓+23.46%
Div. Yield
NU 0.00%
WISE ✓3.66%
AUM
NU N/A
WISE $33.81M
Beta
NU ✓0.95
WISE 1.87
Metrics last refreshed: 6/20/2026
Quick take
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.
Live analysis · updated 6/20/2026
WISE holds the edge across 2 of 5 key metrics in this comparison. WISE has delivered stronger 1-year price return (+23.46% vs +3.84% for NU).
Normalized 1Y performance
NU
WISE
Recent returns
NU
WISE
Analyst price targets & sentiment
NU · 21 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.6/5.0)
Price target range
analyst low$10.00
analyst high$22.00
analyst mean$17.86
current price$12.71
+40.5% upside to analyst mean
WISE
Price target data unavailable
N/A
Who should consider this stock?
NU may suit investors who:
- →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
WISE may suit investors who:
- →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.)
Performance & AI score
| Metric | NU | WISE |
|---|---|---|
| ETF score | 32.4 | 50.0 |
| Latest close | $12.71 | $40.14 |
| 1M return | +3.42% | +6.16% |
| 6M return | -19.86% | +6.46% |
| 1Y return | +3.84% | +23.46% |
$10,000 invested — hypothetical growth (dividends reinvested)
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 | $10.38K (+3.8%) started 2025-06-18 | $12.87K (+28.7%) started 2025-06-18 |
| 5Y ago | $12.3K (+23.0%) started 2021-12-09 | $17.17K (+71.7%) started 2023-12-08 |
| 10Y ago | $12.3K (+23.0%) started 2021-12-09 | $17.17K (+71.7%) started 2023-12-08 |
Hypothetical — past performance does not guarantee future results.
Fund characteristics
| Metric | NU | WISE |
|---|---|---|
| Expense ratio | N/A | 0.35% |
| Total assets (AUM) | N/A | $33.81M |
| Dividend yield | 0.00% | 3.66% |
| Trailing P/E | 19.55 | 42.21 |
| Beta | 0.95 | 1.87 |
| 52-week change | 3.84% | 23.46% |
Risk & fund metrics
| Metric | NU | WISE |
|---|---|---|
| 1Y return | +3.84% | +23.46% |
| 6M return | -19.86% | +6.46% |
| 1M return | +3.42% | +6.16% |
| 1Y Sharpe ratio | 0.17 | 0.67 |
| Beta | 0.95 | 1.87 |
| Dividend yield | 0.00% | 3.66% |
| 5Y CAGR | +4.69% | +21.84% |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
NU max drawdown38.17%
WISE max drawdown34.08%
NU max wkly drop14.55%
WISE max wkly drop12.18%
5Y risk snapshot
NU max drawdown72.07%
WISE max drawdown39.16%
NU max wkly drop36.05%
WISE max wkly drop15.61%
10Y risk snapshot
NU max drawdown72.07%
WISE max drawdown39.16%
NU max wkly drop36.05%
WISE max wkly drop15.61%
Performance metrics by period
| Period | Metric | NU | WISE |
|---|---|---|---|
| 1Y | Growth | +3.84% | +23.46% |
| CAGR | +3.84% | +23.47% | |
| Sharpe ratio | 0.17 | 0.67 | |
| Max drawdown | 38.17% | 34.08% | |
| Max daily drop | 9.55% | 7.34% | |
| Max wkly drop | 14.55% | 12.18% | |
| 5Y | Growth | +23.04% | +64.75% |
| CAGR | +4.69% | +21.84% | |
| Sharpe ratio | 0.29 | 0.62 | |
| Max drawdown | 72.07% | 39.16% | |
| Max daily drop | 18.89% | 7.34% | |
| Max wkly drop | 36.05% | 15.61% | |
| 10Y | Growth | +23.04% | +64.75% |
| CAGR | +4.69% | +21.84% | |
| Sharpe ratio | 0.29 | 0.62 | |
| Max drawdown | 72.07% | 39.16% | |
| Max daily drop | 18.89% | 7.34% | |
| Max wkly drop | 36.05% | 15.61% |
Fund overview
| Category | NU | WISE |
|---|---|---|
| Fund name | Nu Holdings Ltd. | Themes Generative Artificial Intelligence ETF |
| Type | ETF | ETF |
| Expense ratio | N/A | 0.35% |
| Total assets (AUM) | N/A | $33.81M |
| Dividend yield | 0.00% | 3.66% |
NU strengths
- →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
WISE strengths
- →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
Risks to watch — NU
- →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
Risks to watch — WISE
- →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
Frequently asked questions
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