BILL vs. NU
BILL (Bill.com Holdings, Inc.) and NU (Nu Holdings Ltd.) are both stocks. BILL operates in Software - Application (Technology), while NU operates in Banks - Diversified (Financial Services). Over the past 3 years, BILL returned -34.51%/yr vs 17.37%/yr for NU. At a 0.42 correlation, their price movements are largely independent.
Performance
BILL vs. NU - Performance Comparison
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Returns By Period
In the year-to-date period, BILL achieves a -39.16% return, which is significantly lower than NU's -27.18% return.
BILL
- 1D
- 3.27%
- 1M
- -16.97%
- YTD
- -39.16%
- 6M
- -39.18%
- 1Y
- -24.54%
- 3Y*
- -34.51%
- 5Y*
- -26.75%
- 10Y*
- —
NU
- 1D
- 0.83%
- 1M
- -4.91%
- YTD
- -27.18%
- 6M
- -27.87%
- 1Y
- 1.58%
- 3Y*
- 17.37%
- 5Y*
- —
- 10Y*
- —
BILL vs. NU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
BILL Bill.com Holdings, Inc. | -39.16% | -35.62% | 3.82% | -25.12% | -56.27% | -5.79% |
NU Nu Holdings Ltd. | -27.18% | 61.58% | 24.37% | 104.67% | -56.61% | -16.62% |
Correlation
The correlation between BILL and NU is 0.24, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.24 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.30 |
Correlation (All Time) Calculated using the full available price history since Dec 9, 2021 | 0.42 |
The correlation between BILL and NU shifts across timeframes, from 0.24 (1 year) to 0.42 (all time), reflecting how their relationship changes across market environments.
Fundamentals
BILL:
$3.39B
NU:
$59.86B
BILL:
$0.00
NU:
$0.65
BILL:
20.80K
NU:
18.78
BILL:
2.12
NU:
3.41
BILL:
0.89
NU:
4.75
BILL:
$1.60B
NU:
$17.54B
BILL:
$1.29B
NU:
$7.67B
BILL:
$68.77M
NU:
$4.14B
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Return for Risk
BILL vs. NU — Risk / Return Rank
BILL
NU
BILL vs. NU - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bill.com Holdings, Inc. (BILL) and Nu Holdings Ltd. (NU). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| BILL | NU | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.43 | ||
| Sortino ratioReturn per unit of downside risk | -0.59 | ||
| Omega ratioGain probability vs. loss probability | 0.97 | 1.04 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | -0.57 | 0.04 | -0.62 |
| Martin ratioReturn relative to average drawdown | -1.25 | 0.10 | -1.35 |
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Drawdowns
BILL vs. NU - Drawdown Comparison
The maximum BILL drawdown since its inception was -90.61%, which is greater than NU's maximum drawdown of -72.07%. Use the drawdown chart below to compare losses from any high point for BILL and NU.
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Drawdown Indicators
| BILL | NU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.61% | -72.07% | -18.54% |
Max Drawdown (1Y)Largest decline over 1 year | -42.94% | -38.17% | -4.77% |
Max Drawdown (3Y)Largest decline over 3 years | -76.29% | -39.58% | -36.71% |
Max Drawdown (5Y)Largest decline over 5 years | -90.61% | — | — |
Current DrawdownCurrent decline from peak | -90.31% | -35.02% | -55.29% |
Average DrawdownAverage peak-to-trough decline | -54.69% | -29.77% | -24.92% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 19.67% | 15.36% | +4.31% |
Volatility
BILL vs. NU - Volatility Comparison
Bill.com Holdings, Inc. (BILL) has a higher volatility of 16.82% compared to Nu Holdings Ltd. (NU) at 14.80%. This indicates that BILL's price experiences larger fluctuations and is considered to be riskier than NU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BILL | NU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.82% | 14.80% | +2.02% |
Volatility (6M)Calculated over the trailing 6-month period | 50.00% | 28.91% | +21.09% |
Volatility (1Y)Calculated over the trailing 1-year period | 63.38% | 38.77% | +24.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 70.45% | 58.48% | +11.97% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 72.98% | 58.48% | +14.50% |
Dividends
BILL vs. NU - Dividend Comparison
Neither BILL nor NU has paid dividends to shareholders.
Financials
BILL vs. NU - Financials Comparison
This section allows you to compare key financial metrics between Bill.com Holdings, Inc. and Nu Holdings Ltd.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
BILL vs. NU - Profitability Comparison
BILL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a gross profit of 331.85M and revenue of 406.56M. Therefore, the gross margin over that period was 81.6%.
NU - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Nu Holdings Ltd. reported a gross profit of 2.00B and revenue of 4.98B. Therefore, the gross margin over that period was 40.2%.
BILL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported an operating income of 96.41M and revenue of 406.56M, resulting in an operating margin of 23.7%.
NU - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Nu Holdings Ltd. reported an operating income of 954.31M and revenue of 4.98B, resulting in an operating margin of 19.2%.
BILL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a net income of 12.79M and revenue of 406.56M, resulting in a net margin of 3.1%.
NU - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Nu Holdings Ltd. reported a net income of 872.06M and revenue of 4.98B, resulting in a net margin of 17.5%.
Frequently Asked Questions
BILL and NU have a correlation of 0.24, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
BILL has higher volatility (16.82%) compared to NU (14.80%). In terms of maximum drawdown, BILL dropped -90.61% vs NU's -72.07%.
NU currently has the higher Sharpe Ratio (0.04 vs -0.39), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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