Nubank vs BNY

This page compares Nubank (NU HOLDINGS LTD.) and BNY (Bank of New York Mellon Corp., The), examining business models, financial performance, and market context in neutral terms for readers. Educational content, not financial advice.

This page compares Nubank (NU HOLDINGS LTD.) and BNY (Bank of New York Mellon Corp., The), examining business models, financial performance, and market context in neutral terms for readers. Educationa...

Comparison Snapshot

Key Financial Metrics

NU

Metric

BK

$88.09B

Market Cap

$81.91B

N/A

Potential Profit

3.98%

N/A

Analyst Rating

Buy

Why It's Moving

Nu Holdings Dips Sharper Than Market Amid Broader Pullback, But Strong Growth Signals Persist

Recent trading session saw NU lag broader indices, highlighting short-term volatility in Latin American fintech amid global market jitters.
Analysts are lifting estimates, reflecting optimism on near-term profitability and business momentum in core markets like Brazil.
Impressive metrics shine through with a PEG ratio of 0.56 versus industry 0.97, signaling undervaluation relative to explosive growth projections of 33% EPS rise.

Sentiment:

⚖️Neutral

BNY Mellon Shines Post-Record Q4 as Investors Eye Digital Momentum and Capital Strength

Q4 earnings smashed expectations with record revenue, fueled by expanded relationships and efficiency gains from AI initiatives.
Active share buybacks at recent prices around $119 underscore confidence in undervaluation and long-term growth potential.
Recent $1.55B senior notes issuance bolsters funding flexibility, aligning with Fitch's view of strong capital distribution ahead in 2026.

Sentiment:

🐃Bullish

Nu Holdings Dips Sharper Than Market Amid Broader Pullback, But Strong Growth Signals Persist

Recent trading session saw NU lag broader indices, highlighting short-term volatility in Latin American fintech amid global market jitters.
Analysts are lifting estimates, reflecting optimism on near-term profitability and business momentum in core markets like Brazil.
Impressive metrics shine through with a PEG ratio of 0.56 versus industry 0.97, signaling undervaluation relative to explosive growth projections of 33% EPS rise.

Sentiment:

⚖️Neutral

BNY Mellon Shines Post-Record Q4 as Investors Eye Digital Momentum and Capital Strength

Q4 earnings smashed expectations with record revenue, fueled by expanded relationships and efficiency gains from AI initiatives.
Active share buybacks at recent prices around $119 underscore confidence in undervaluation and long-term growth potential.
Recent $1.55B senior notes issuance bolsters funding flexibility, aligning with Fitch's view of strong capital distribution ahead in 2026.

Sentiment:

🐃Bullish

Investment Analysis

Nubank

NU

Pros

Nu Holdings demonstrates rapid revenue and earnings growth, with recent annual revenue up nearly 50% and net income nearly doubling year-on-year.
The company is a leading digital banking platform in Latin America, with a large, engaged customer base and ongoing expansion into Mexico, Colombia, and the US.
Nu Holdings maintains a net profit margin above 39% and a robust gross margin, reflecting efficient digital operations and scalable technology.

Considerations

Nu Holdings does not pay dividends, potentially limiting appeal to income-focused investors despite strong growth metrics.
The company’s valuation appears elevated, with a forward PE ratio above 23 and a historical PE above 34, which may increase sensitivity to market sentiment.
As a digital bank in emerging markets, Nu Holdings faces heightened exposure to regulatory changes, political risks, and macroeconomic volatility in Latin America.

BNY

BK

Pros

The Bank of New York Mellon has a dominant position in global custody and asset servicing, providing stable, recurring fee-based revenue streams.
The bank maintains a strong balance sheet, with a long track record of prudent risk management and consistent capital returns to shareholders.
BNY Mellon benefits from scale in securities services, treasury services, and wealth management, with deep client relationships among institutional investors.

Considerations

BNY Mellon’s revenue growth has been modest, with net interest income under pressure in the current rate environment, limiting earnings momentum.
The bank faces intense competition in asset management and custody services, with margin compression possible as rivals scale their platforms.
Regulatory scrutiny remains high for systemically important banks, exposing BNY Mellon to potential compliance costs and operational complexities.

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