Live Report · Updated January 26, 2026

Nubank vs ING

Nubank (NU HOLDINGS LTD.) and ING Groep N.V. are the subjects of this page, which compares their business models, financial performance, and the market context in which they operate to help readers understand the landscape. The content is presented in a neutral, accessible manner, focusing on information rather than advice. Educational content, not financial advice.

Nubank (NU HOLDINGS LTD.) and ING Groep N.V. are the subjects of this page, which compares their business models, financial performance, and the market context in which they operate to help readers un...

Comparison Snapshot

Key Financial Metrics

NU

Metric

ING

$88.09B

Market Cap

$84.32B

N/A

Potential Profit

-19.31%

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

ING Accelerates Shareholder Returns with Steady Buyback Progress and Imminent Cash Payout.

Cash dividend of €0.172 per share set for payment on January 15, part of the broader €1.6B shareholder distribution announced last fall.
Share buyback program hits 43.81% complete as of January 20, with 21 million shares repurchased at an average €22.94, reducing share capital efficiently.
CET1 ratio stands robust at 13.4% as of late 2025 per recent SREP review, supporting ongoing capital returns without regulatory strain.

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

ING Accelerates Shareholder Returns with Steady Buyback Progress and Imminent Cash Payout.

Cash dividend of €0.172 per share set for payment on January 15, part of the broader €1.6B shareholder distribution announced last fall.
Share buyback program hits 43.81% complete as of January 20, with 21 million shares repurchased at an average €22.94, reducing share capital efficiently.
CET1 ratio stands robust at 13.4% as of late 2025 per recent SREP review, supporting ongoing capital returns without regulatory strain.

Sentiment:

🐃Bullish

Investment Analysis

Nubank

NU

Pros

Nu Holdings has strong revenue growth, with a 48.73% increase in 2024 compared to the previous year, reaching $5.51 billion.
The company has a high earnings growth rate, with a 91.37% increase in net income in 2024 to $1.97 billion.
Nu Holdings is expanding its digital banking platform across Brazil, Mexico, Colombia, the Cayman Islands, and the U.S., diversifying its geographic presence.

Considerations

Nu Holdings operates with a high price-to-earnings ratio around 34, indicating it may be overvalued compared to some peers.
The company faces regulatory and stability risks due to rising financial regulations in Latin America, where a large part of its operations are based.
Despite positive growth, the business has no dividend payout, which may deter income-focused investors.

ING

Pros

ING Groep N.V. benefits from a strong European market presence, with diversified retail and wholesale banking operations.
The company has shown resilience through economic cycles due to its balanced portfolio and prudent risk management practices.
ING has improved its digital banking services, driving operational efficiency and customer engagement in key markets.

Considerations

ING faces ongoing regulatory challenges and capital requirements in the European banking sector, impacting operational flexibility.
The bank's exposure to economic downturns in Europe could pressure profitability given current macroeconomic uncertainties.
ING's growth prospects are relatively slower compared to digital-native banks, reflecting its legacy infrastructure and market position.

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