INTR vs. NU

Last updated Apr 2, 2026

Compare and contrast key facts about Inter & Co. Inc. Class A Common Shares (INTR) and Nu Holdings Ltd. (NU).

Performance

INTR vs. NU - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Inter & Co. Inc. Class A Common Shares (INTR) and Nu Holdings Ltd. (NU). The values are adjusted to include any dividend payments, if applicable.

INTR vs. NU - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
INTR Inter & Co. Inc. Class A Common Shares	-4.47%	103.99%	-23.68%	134.60%	-31.90%
NU Nu Holdings Ltd.	-13.74%	61.58%	24.37%	104.67%	1.75%

Fundamentals

Market Cap INTR : $3.53B NU : $71.00B
EPS INTR : $2.97 NU : $0.58
PE Ratio INTR : 2.70 NU : 24.70
PEG Ratio INTR : 0.00 NU : 0.38
PS Ratio INTR : 0.24 NU : 4.60
PB Ratio INTR : 0.35 NU : 6.29
Total Revenue (TTM) INTR : $14.58B NU : $15.40B
Gross Profit (TTM) INTR : $6.08B NU : $6.61B
EBITDA (TTM) INTR : $1.86B NU : $3.94B

Returns By Period

In the year-to-date period, INTR achieves a -4.47% return, which is significantly higher than NU's -13.74% return.

INTR

• 1D: 0.50%
• 1M: -8.99%
• YTD: -4.47%
• 6M: -10.38%
• 1Y: 46.76%
• 3Y*: 69.44%
• 5Y*: —
• 10Y*: —

NU

• 1D: 0.49%
• 1M: -4.94%
• YTD: -13.74%
• 6M: -4.94%
• 1Y: 38.45%
• 3Y*: 44.76%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

INTR vs. NU — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

INTR

INTR Risk / Return Rank: 72
INTR Sharpe Ratio Rank: 73
INTR Sortino Ratio Rank: 69
INTR Omega Ratio Rank: 65
INTR Calmar Ratio Rank: 76
INTR Martin Ratio Rank: 75

NU

NU Risk / Return Rank: 70
NU Sharpe Ratio Rank: 73
NU Sortino Ratio Rank: 67
NU Omega Ratio Rank: 66
NU Calmar Ratio Rank: 70
NU Martin Ratio Rank: 73

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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 ratio Return per unit of total volatility	0.99	0.97	+0.02
Sortino ratio Return per unit of downside risk	1.58	1.48	+0.10
Omega ratio Gain probability vs. loss probability	1.19	1.20	-0.01
Calmar ratio Return relative to maximum drawdown	1.98	1.47	+0.52
Martin ratio Return relative to average drawdown	4.72	4.34	+0.38
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

INTR vs. NU - Sharpe Ratio Comparison

The current INTR Sharpe Ratio is 0.99, which is comparable to the NU Sharpe Ratio of 0.97. The chart below compares the historical Sharpe Ratios of INTR and NU, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	INTR	NU	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.99	0.97	+0.02
Sharpe Ratio (All Time) Calculated using the full available price history	0.41	0.14	+0.27

Correlation

The correlation between INTR and NU is 0.48, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

INTR vs. NU - Dividend Comparison

INTR's dividend yield for the trailing twelve months is around 1.41%, while NU has not paid dividends to shareholders.

	TTM	2025	2024
INTR Inter & Co. Inc. Class A Common Shares	1.41%	0.94%	0.71%
NU Nu Holdings Ltd.	0.00%	0.00%	0.00%

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.

Drawdown Indicators

	INTR	NU	Difference
Max Drawdown Largest peak-to-trough decline	-68.40%	-72.07%	+3.67%
Max Drawdown (1Y) Largest decline over 1 year	-24.12%	-27.99%	+3.87%
Current Drawdown Current decline from peak	-20.65%	-23.03%	+2.38%
Average Drawdown Average peak-to-trough decline	-20.10%	-29.90%	+9.80%
Ulcer Index Depth and duration of drawdowns from previous peaks	10.14%	9.45%	+0.69%

Volatility

INTR vs. NU - Volatility Comparison

Inter & Co. Inc. Class A Common Shares (INTR) has a higher volatility of 16.52% compared to Nu Holdings Ltd. (NU) at 11.98%. 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.

Volatility by Period

	INTR	NU	Difference
Volatility (1M) Calculated over the trailing 1-month period	16.52%	11.98%	+4.54%
Volatility (6M) Calculated over the trailing 6-month period	35.06%	27.59%	+7.47%
Volatility (1Y) Calculated over the trailing 1-year period	47.36%	39.97%	+7.39%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	63.85%	59.12%	+4.73%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	63.85%	59.12%	+4.73%

Financials

INTR vs. NU - Profitability Comparison

The chart below illustrates the profitability comparison between Inter & Co. Inc. Class A Common Shares and Nu Holdings Ltd. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

INTR - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Inter & Co. Inc. Class A Common Shares reported a gross profit of 1.83B and revenue of 4.32B. Therefore, the gross margin over that period was 42.3%.

NU - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Nu Holdings Ltd. reported a gross profit of 2.09B and revenue of 4.70B. Therefore, the gross margin over that period was 44.3%.

INTR - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Inter & Co. Inc. Class A Common Shares reported an operating income of 472.26M and revenue of 4.32B, resulting in an operating margin of 10.9%.

NU - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Nu Holdings Ltd. reported an operating income of 1.08B and revenue of 4.70B, resulting in an operating margin of 22.9%.

INTR - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Inter & Co. Inc. Class A Common Shares reported a net income of 380.08M and revenue of 4.32B, resulting in a net margin of 8.8%.

NU - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Nu Holdings Ltd. reported a net income of 892.38M and revenue of 4.70B, resulting in a net margin of 19.0%.