INTR vs. NU
INTR (Inter & Co. Inc. Class A Common Shares) and NU (Nu Holdings Ltd.) are both stocks. Both are in the Financial Services sector — INTR in Banks - Regional, NU in Banks - Diversified. Over the past 3 years, INTR returned 28.40%/yr vs 19.62%/yr for NU. At a 0.49 correlation, their price movements are largely independent.
Performance
INTR vs. NU - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with INTR having a -28.35% return and NU slightly lower at -28.73%.
INTR
- 1D
- -2.76%
- 1M
- -20.21%
- YTD
- -28.35%
- 6M
- -33.96%
- 1Y
- -13.08%
- 3Y*
- 28.40%
- 5Y*
- —
- 10Y*
- —
NU
- 1D
- -8.16%
- 1M
- -17.38%
- YTD
- -28.73%
- 6M
- -32.25%
- 1Y
- -0.58%
- 3Y*
- 19.62%
- 5Y*
- —
- 10Y*
- —
INTR vs. NU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|---|
INTR Inter & Co. Inc. Class A Common Shares | -28.35% | 103.99% | -23.68% | 134.60% | -31.90% |
NU Nu Holdings Ltd. | -28.73% | 61.58% | 24.37% | 104.67% | 1.75% |
Correlation
The correlation between INTR and NU is 0.71, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.71 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.50 |
Correlation (All Time) Calculated using the full available price history since Jun 24, 2022 | 0.49 |
Over the past year, INTR and NU have become more correlated (0.71) than their long-term average of 0.49, meaning their price movements have been converging.
Fundamentals
INTR:
$2.67B
NU:
$58.58B
INTR:
$3.19
NU:
$0.65
INTR:
1.88
NU:
18.38
INTR:
0.00
NU:
0.28
INTR:
0.17
NU:
3.34
INTR:
0.27
NU:
4.65
INTR:
$15.78B
NU:
$17.54B
INTR:
$6.47B
NU:
$7.67B
INTR:
$1.99B
NU:
$4.14B
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Return for Risk
INTR vs. NU — Risk / Return Rank
INTR
NU
INTR vs. NU - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Inter & Co. Inc. Class A Common Shares (INTR) 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.
| INTR | NU | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -0.26 | -0.02 | -0.25 |
Sortino ratioReturn per unit of downside risk | -0.04 | 0.25 | -0.29 |
Omega ratioGain probability vs. loss probability | 0.99 | 1.03 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | -0.34 | -0.02 | -0.32 |
Martin ratioReturn relative to average drawdown | -0.93 | -0.05 | -0.88 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| INTR | NU | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.26 | -0.02 | -0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.25 | 0.06 | +0.19 |
Drawdowns
INTR vs. NU - Drawdown Comparison
The maximum INTR drawdown since its inception was -68.40%, smaller than the maximum NU drawdown of -72.07%. Use the drawdown chart below to compare losses from any high point for INTR and NU.
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Drawdown Indicators
| INTR | NU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -68.40% | -72.07% | +3.67% |
Max Drawdown (1Y)Largest decline over 1 year | -42.77% | -36.41% | -6.36% |
Max Drawdown (3Y)Largest decline over 3 years | -49.36% | -39.58% | -9.78% |
Current DrawdownCurrent decline from peak | -40.49% | -36.41% | -4.08% |
Average DrawdownAverage peak-to-trough decline | -20.45% | -29.74% | +9.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 15.80% | 13.93% | +1.87% |
Volatility
INTR vs. NU - Volatility Comparison
Inter & Co. Inc. Class A Common Shares (INTR) has a higher volatility of 23.40% compared to Nu Holdings Ltd. (NU) at 13.41%. This indicates that INTR'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
| INTR | NU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 23.40% | 13.41% | +9.99% |
Volatility (6M)Calculated over the trailing 6-month period | 39.43% | 28.38% | +11.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 49.85% | 38.61% | +11.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 63.72% | 58.47% | +5.25% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 63.72% | 58.47% | +5.25% |
Dividends
INTR vs. NU - Dividend Comparison
INTR's dividend yield for the trailing twelve months is around 1.89%, while NU has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 |
|---|---|---|---|
INTR Inter & Co. Inc. Class A Common Shares | 1.89% | 0.94% | 0.71% |
NU Nu Holdings Ltd. | 0.00% | 0.00% | 0.00% |
Financials
INTR vs. NU - Financials Comparison
This section allows you to compare key financial metrics between Inter & Co. Inc. Class A Common Shares 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
INTR vs. NU - Profitability Comparison
INTR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Inter & Co. Inc. Class A Common Shares reported a gross profit of 1.69B and revenue of 4.22B. Therefore, the gross margin over that period was 40.0%.
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%.
INTR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Inter & Co. Inc. Class A Common Shares reported an operating income of 468.19M and revenue of 4.22B, resulting in an operating margin of 11.1%.
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%.
INTR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Inter & Co. Inc. Class A Common Shares reported a net income of 387.40M and revenue of 4.22B, resulting in a net margin of 9.2%.
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
INTR and NU have a correlation of 0.71, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
INTR has higher volatility (23.40%) compared to NU (13.41%). In terms of maximum drawdown, INTR dropped -68.40% vs NU's -72.07%.
NU currently has the higher Sharpe Ratio (-0.02 vs -0.26), 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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