NU vs. XYZ
NU (Nu Holdings Ltd.) and XYZ (Block, Inc) are both stocks. NU operates in Banks - Diversified (Financial Services), while XYZ operates in Software - Infrastructure (Technology). Over the past 3 years, NU returned 15.70%/yr vs 2.49%/yr for XYZ. At a 0.49 correlation, their price movements are largely independent.
Performance
NU vs. XYZ - Performance Comparison
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Returns By Period
In the year-to-date period, NU achieves a -30.70% return, which is significantly lower than XYZ's 7.42% return.
NU
- 1D
- -3.09%
- 1M
- -15.94%
- YTD
- -30.70%
- 6M
- -30.20%
- 1Y
- -4.53%
- 3Y*
- 15.70%
- 5Y*
- —
- 10Y*
- —
XYZ
- 1D
- 2.60%
- 1M
- -6.59%
- YTD
- 7.42%
- 6M
- 14.55%
- 1Y
- 7.59%
- 3Y*
- 2.49%
- 5Y*
- -19.76%
- 10Y*
- 22.56%
NU vs. XYZ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NU Nu Holdings Ltd. | -30.70% | 61.58% | 24.37% | 104.67% | -56.61% | -9.20% |
XYZ Block, Inc | 7.42% | -23.41% | 9.88% | 23.09% | -61.09% | -13.52% |
Correlation
The correlation between NU and XYZ is 0.35, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.35 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.39 |
Correlation (All Time) Calculated using the full available price history since Dec 10, 2021 | 0.49 |
The correlation between NU and XYZ shifts across timeframes, from 0.35 (1 year) to 0.49 (all time), reflecting how their relationship changes across market environments.
Fundamentals
NU:
$56.96B
XYZ:
$41.78B
NU:
$0.65
XYZ:
$1.31
NU:
17.87
XYZ:
53.40
NU:
0.27
XYZ:
0.01
NU:
3.24
XYZ:
1.76
NU:
4.52
XYZ:
1.92
NU:
$17.54B
XYZ:
$24.48B
NU:
$7.67B
XYZ:
$11.01B
NU:
$4.14B
XYZ:
$2.42B
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Return for Risk
NU vs. XYZ — Risk / Return Rank
NU
XYZ
NU vs. XYZ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Nu Holdings Ltd. (NU) and Block, Inc (XYZ). 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.
| NU | XYZ | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.28 | ||
| Sortino ratioReturn per unit of downside risk | -0.46 | ||
| Omega ratioGain probability vs. loss probability | 1.01 | 1.07 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | -0.12 | 0.19 | -0.31 |
| Martin ratioReturn relative to average drawdown | -0.31 | 0.45 | -0.75 |
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
| NU | XYZ | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.12 | 0.16 | -0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | -0.33 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.40 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.05 | 0.30 | -0.26 |
Drawdowns
NU vs. XYZ - Drawdown Comparison
The maximum NU drawdown since its inception was -72.07%, smaller than the maximum XYZ drawdown of -86.08%. Use the drawdown chart below to compare losses from any high point for NU and XYZ.
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Drawdown Indicators
| NU | XYZ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.07% | -86.08% | +14.01% |
Max Drawdown (1Y)Largest decline over 1 year | -38.17% | -39.48% | +1.31% |
Max Drawdown (3Y)Largest decline over 3 years | -39.58% | -52.96% | +13.38% |
Max Drawdown (5Y)Largest decline over 5 years | — | -86.08% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -86.08% | — |
Current DrawdownCurrent decline from peak | -38.17% | -75.19% | +37.02% |
Average DrawdownAverage peak-to-trough decline | -29.77% | -41.01% | +11.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 14.69% | 17.04% | -2.35% |
Volatility
NU vs. XYZ - Volatility Comparison
Nu Holdings Ltd. (NU) and Block, Inc (XYZ) have volatilities of 14.24% and 14.16%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NU | XYZ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 14.24% | 14.16% | +0.08% |
Volatility (6M)Calculated over the trailing 6-month period | 28.87% | 35.29% | -6.42% |
Volatility (1Y)Calculated over the trailing 1-year period | 39.10% | 46.81% | -7.71% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 58.43% | 60.00% | -1.57% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 58.43% | 56.71% | +1.72% |
Dividends
NU vs. XYZ - Dividend Comparison
Neither NU nor XYZ has paid dividends to shareholders.
Financials
NU vs. XYZ - Financials Comparison
This section allows you to compare key financial metrics between Nu Holdings Ltd. and Block, Inc. 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
NU vs. XYZ - Profitability Comparison
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%.
XYZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a gross profit of 2.91B and revenue of 6.06B. Therefore, the gross margin over that period was 48.0%.
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%.
XYZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported an operating income of -171.99M and revenue of 6.06B, resulting in an operating margin of -2.8%.
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%.
XYZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a net income of -308.68M and revenue of 6.06B, resulting in a net margin of -5.1%.
Frequently Asked Questions
NU and XYZ have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NU has higher volatility (14.24%) compared to XYZ (14.16%). In terms of maximum drawdown, NU dropped -72.07% vs XYZ's -86.08%.
XYZ currently has the higher Sharpe Ratio (0.16 vs -0.12), 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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