NU vs. VOO
NU (Nu Holdings Ltd.) is a stock, while VOO (Vanguard S&P 500 ETF) is S&P 500 fund tracking the S&P 500 Index. Over the past 3 years, NU returned 21.91%/yr vs 19.42%/yr for VOO. Their 0.50 correlation means they have sometimes moved together and sometimes differently.
Performance
NU vs. VOO - Performance Comparison
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Returns By Period
In the year-to-date period, NU achieves a -14.40% return, which is significantly lower than VOO's 10.16% return.
NU
- 1D
- -1.10%
- 1M
- 5.29%
- 6M
- -19.27%
- YTD
- -14.40%
- 1Y
- 18.92%
- 3Y*
- 21.91%
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 5.35%
VOO
- 1D
- 0.71%
- 1M
- 0.26%
- 6M
- 8.58%
- YTD
- 10.16%
- 1Y
- 21.58%
- 3Y*
- 19.42%
- 5Y*
- 12.83%
- 10Y*
- 15.14%
- ALL TIME*
- 14.78%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.35B | $1.45B | $991.86M | |
| $3.82B | $3.78B | $5.44B |
NU vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NU Nu Holdings Ltd. | -14.40% | 61.58% | 24.37% | 104.67% | -56.61% | -16.62% |
VOO Vanguard S&P 500 ETF | 10.16% | 17.82% | 24.98% | 26.32% | -18.17% | 1.50% |
Correlation
The correlation between NU and VOO is 0.53, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.53 |
Correlation (3Y) Balances recent behavior with more history. | 0.51 |
Correlation (All Time) Calculated using the full available price history since Dec 9, 2021 | 0.50 |
The correlation between NU and VOO has been stable across timeframes, ranging from 0.50 to 0.53 - a consistent structural relationship.
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Return for Risk
NU vs. VOO — Risk / Return Rank
NU
VOO
NU vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Nu Holdings Ltd. (NU) and Vanguard S&P 500 ETF (VOO). 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.
| NU | VOO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.07 | ||
| Sortino ratioReturn per unit of downside risk | -1.27 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.28 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | 0.45 | 2.21 | -1.75 |
| Martin ratioReturn relative to average drawdown | 0.96 | 9.44 | -8.48 |
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Drawdowns
NU vs. VOO - Drawdown Comparison
The maximum NU drawdown since its inception was -72.07%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for NU and VOO.
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Drawdown Indicators
| NU | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.07% | -33.99% | -38.08% |
Max Drawdown (1Y)Largest decline over 1 year | -38.17% | -8.90% | -29.27% |
Max Drawdown (3Y)Largest decline over 3 years | -39.58% | -18.69% | -20.89% |
Max Drawdown (5Y)Largest decline over 5 years | — | -24.52% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.99% | — |
Current DrawdownCurrent decline from peak | -23.61% | -1.38% | -22.23% |
Average DrawdownAverage peak-to-trough decline | -29.71% | -3.67% | -26.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 18.07% | 2.08% | +15.99% |
Volatility
NU vs. VOO - Volatility Comparison
Nu Holdings Ltd. (NU) has a higher volatility of 10.41% compared to Vanguard S&P 500 ETF (VOO) at 3.54%. This indicates that NU's price experiences larger fluctuations and is considered to be riskier than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NU | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.41% | 3.54% | +6.87% |
Volatility (6M)Calculated over the trailing 6-month period | 29.73% | 10.10% | +19.63% |
Volatility (1Y)Calculated over the trailing 1-year period | 37.31% | 12.82% | +24.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 57.94% | 16.93% | +41.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 57.94% | 18.01% | +39.93% |
Dividends
NU vs. VOO - Dividend Comparison
NU has not paid dividends to shareholders, while VOO's dividend yield for the trailing twelve months is around 1.07%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NU Nu Holdings Ltd. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VOO Vanguard S&P 500 ETF | 1.07% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Frequently Asked Questions
NU and VOO have a correlation of 0.53, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NU has higher volatility (10.41%) compared to VOO (3.54%). In terms of maximum drawdown, NU dropped -72.07% vs VOO's -33.99%.
VOO currently has the higher Sharpe Ratio (1.53 vs 0.47), 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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