NU vs XP
NU: Nubank is a leading digital banking platform in Latin America, leveraging technology to provide accessible, low-cost financial services to millions of retail consumers and small businesses. XP: XP Inc. is the dominant independent financial platform in Brazil, transforming the country's investment landscape through a technology-enabled open ecosystem.
Side-by-side fundamentals
| Metric | NU | XP | Edge |
|---|---|---|---|
| Price as of 2026-08-24 close | $14.76 | $17.07 | |
| Market cap as of 2026-08-24 | $67.3B | $8.0B | |
| P/E as of 2026-08-24 | 22.76 | 7.90 | XP lower |
| PEG as of 2026-08-24 | 0.34 | n/a | |
| Net margin as of 2026-08-24 | +18.2% | +28.0% | XP higher |
| Gross margin as of 2026-08-24 | +41.0% | n/a | |
| Operating margin as of 2026-08-24 | +23.0% | +31.8% | XP higher |
| ROE as of 2026-08-24 | +28.9% | +22.3% | NU higher |
| ROA as of 2026-08-24 | +4.5% | +1.3% | NU higher |
| Debt / equity as of 2026-08-24 | 3.83 | 3.67 | XP lower |
| Revenue growth (YoY) as of 2026-08-24 | +45.4% | +8.1% | NU higher |
| Revenue CAGR (3y) SEC XBRL | +89.3% | +6.2% | NU higher |
| Dividend yield as of 2026-08-24 | n/a | +1.0% | |
| Beta as of 2026-08-24 | 1.32 | 1.02 | |
| 1-year return as of 2026-08-24 close | +5.9% | +3.7% | NU higher |
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-24.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.