PAGS vs. NU
Compare and contrast key facts about PagSeguro Digital Ltd. (PAGS) and Nu Holdings Ltd. (NU).
Performance
PAGS vs. NU - Performance Comparison
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PAGS vs. NU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
PAGS PagSeguro Digital Ltd. | 5.01% | 60.75% | -49.80% | 42.68% | -66.67% | -6.56% |
NU Nu Holdings Ltd. | -14.16% | 61.58% | 24.37% | 104.67% | -56.61% | -9.20% |
Fundamentals
PAGS:
$2.91B
NU:
$70.65B
PAGS:
$7.20
NU:
$0.58
PAGS:
1.39
NU:
24.58
PAGS:
0.07
NU:
0.38
PAGS:
0.15
NU:
4.58
PAGS:
0.20
NU:
6.26
PAGS:
$19.82B
NU:
$15.40B
PAGS:
$10.07B
NU:
$6.61B
PAGS:
$8.85B
NU:
$3.94B
Returns By Period
In the year-to-date period, PAGS achieves a 5.01% return, which is significantly higher than NU's -14.16% return.
PAGS
- 1D
- 3.19%
- 1M
- -5.56%
- YTD
- 5.01%
- 6M
- 2.54%
- 1Y
- 38.49%
- 3Y*
- 7.23%
- 5Y*
- -26.28%
- 10Y*
- —
NU
- 1D
- 6.37%
- 1M
- -4.07%
- YTD
- -14.16%
- 6M
- -10.24%
- 1Y
- 40.33%
- 3Y*
- 44.53%
- 5Y*
- —
- 10Y*
- —
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Return for Risk
PAGS vs. NU — Risk / Return Rank
PAGS
NU
PAGS vs. NU - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for PagSeguro Digital Ltd. (PAGS) 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.
| PAGS | NU | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.76 | 1.01 | -0.25 |
Sortino ratioReturn per unit of downside risk | 1.38 | 1.53 | -0.14 |
Omega ratioGain probability vs. loss probability | 1.17 | 1.20 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 1.39 | +0.13 |
Martin ratioReturn relative to average drawdown | 3.06 | 4.16 | -1.10 |
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
| PAGS | NU | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.76 | 1.01 | -0.25 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.43 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.19 | 0.14 | -0.33 |
Correlation
The correlation between PAGS and NU is 0.59, 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
PAGS vs. NU - Dividend Comparison
PAGS's dividend yield for the trailing twelve months is around 4.99%, while NU has not paid dividends to shareholders.
| TTM | 2025 | |
|---|---|---|
PAGS PagSeguro Digital Ltd. | 4.99% | 3.94% |
NU Nu Holdings Ltd. | 0.00% | 0.00% |
Drawdowns
PAGS vs. NU - Drawdown Comparison
The maximum PAGS drawdown since its inception was -90.00%, which is greater than NU's maximum drawdown of -72.07%. Use the drawdown chart below to compare losses from any high point for PAGS and NU.
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Drawdown Indicators
| PAGS | NU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.00% | -72.07% | -17.93% |
Max Drawdown (1Y)Largest decline over 1 year | -21.92% | -27.99% | +6.07% |
Max Drawdown (5Y)Largest decline over 5 years | -89.84% | — | — |
Current DrawdownCurrent decline from peak | -82.93% | -23.40% | -59.53% |
Average DrawdownAverage peak-to-trough decline | -54.82% | -29.90% | -24.92% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.88% | 9.34% | +1.54% |
Volatility
PAGS vs. NU - Volatility Comparison
PagSeguro Digital Ltd. (PAGS) has a higher volatility of 16.29% compared to Nu Holdings Ltd. (NU) at 12.28%. This indicates that PAGS'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
| PAGS | NU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.29% | 12.28% | +4.01% |
Volatility (6M)Calculated over the trailing 6-month period | 33.41% | 27.59% | +5.82% |
Volatility (1Y)Calculated over the trailing 1-year period | 50.85% | 39.99% | +10.86% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 61.27% | 59.14% | +2.13% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 61.39% | 59.14% | +2.25% |
Financials
PAGS vs. NU - Financials Comparison
This section allows you to compare key financial metrics between PagSeguro Digital Ltd. 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
PAGS vs. NU - Profitability Comparison
PAGS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, PagSeguro Digital Ltd. reported a gross profit of 2.72B and revenue of 5.30B. Therefore, the gross margin over that period was 51.3%.
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%.
PAGS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, PagSeguro Digital Ltd. reported an operating income of 2.07B and revenue of 5.30B, resulting in an operating margin of 39.0%.
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%.
PAGS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, PagSeguro Digital Ltd. reported a net income of 509.66M and revenue of 5.30B, resulting in a net margin of 9.6%.
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%.