NU vs OPFI
NU: Nubank is one of the world's largest digital financial services platforms, offering banking, payments, credit, and investment products across Latin America with 115+ million customers primarily in Brazil. OPFI: A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance.
Side-by-side fundamentals
| Metric | NU | OPFI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $14.51 | $9.24 | |
| Market cap as of 2026-07-23 | $70.1B | $1.3B | |
| P/E as of 2026-07-23 | 22.02 | 20.14 | OPFI lower |
| PEG as of 2026-07-23 | 0.47 | n/a | |
| Net margin as of 2026-07-23 | +18.2% | +10.9% | NU higher |
| Gross margin as of 2026-07-23 | +41.0% | +98.9% | OPFI higher |
| Operating margin as of 2026-07-23 | +23.0% | +26.2% | OPFI higher |
| ROE as of 2026-07-23 | +28.9% | +134.3% | OPFI higher |
| ROA as of 2026-07-23 | +4.5% | +9.2% | OPFI higher |
| Debt / equity as of 2026-07-23 | 3.83 | 3.76 | OPFI lower |
| Revenue growth (YoY) as of 2026-07-23 | +45.4% | +12.9% | NU higher |
| Dividend yield as of 2026-07-23 | n/a | +0.5% | |
| Dividend streak (yrs) SEC XBRL | n/a | 2 | |
| Beta as of 2026-07-23 | 0.94 | 1.84 | |
| 1-year return as of 2026-07-22 close | +13.4% | -18.1% | NU higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.