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PAYO vs. NU
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between PAYO and NU is 0.50, 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.


Performance

PAYO vs. NU - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Payoneer Global Inc. (PAYO) and Nu Holdings Ltd. (NU). The values are adjusted to include any dividend payments, if applicable.

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Key characteristics

Sharpe Ratio

PAYO:

0.24

NU:

-0.03

Sortino Ratio

PAYO:

0.76

NU:

0.29

Omega Ratio

PAYO:

1.11

NU:

1.04

Calmar Ratio

PAYO:

0.25

NU:

-0.04

Martin Ratio

PAYO:

0.67

NU:

-0.07

Ulcer Index

PAYO:

19.16%

NU:

19.78%

Daily Std Dev

PAYO:

53.46%

NU:

48.11%

Max Drawdown

PAYO:

-67.91%

NU:

-72.07%

Current Drawdown

PAYO:

-38.37%

NU:

-24.42%

Fundamentals

Market Cap

PAYO:

$2.46B

NU:

$57.94B

EPS

PAYO:

$0.28

NU:

$0.44

PE Ratio

PAYO:

24.32

NU:

27.30

PS Ratio

PAYO:

2.47

NU:

10.26

PB Ratio

PAYO:

3.28

NU:

6.73

Total Revenue (TTM)

PAYO:

$996.15M

NU:

$11.74B

Gross Profit (TTM)

PAYO:

$821.49M

NU:

$5.29B

EBITDA (TTM)

PAYO:

$192.25M

NU:

$3.09B

Returns By Period

In the year-to-date period, PAYO achieves a -32.17% return, which is significantly lower than NU's 15.93% return.


PAYO

YTD

-32.17%

1M

-3.95%

6M

-37.58%

1Y

13.69%

3Y*

10.77%

5Y*

N/A

10Y*

N/A

NU

YTD

15.93%

1M

-2.67%

6M

-4.15%

1Y

1.09%

3Y*

46.62%

5Y*

N/A

10Y*

N/A

*Annualized

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Payoneer Global Inc.

Nu Holdings Ltd.

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

PAYO vs. NU — Risk-Adjusted Performance Rank

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

PAYO
The Risk-Adjusted Performance Rank of PAYO is 6060
Overall Rank
The Sharpe Ratio Rank of PAYO is 6060
Sharpe Ratio Rank
The Sortino Ratio Rank of PAYO is 5858
Sortino Ratio Rank
The Omega Ratio Rank of PAYO is 6060
Omega Ratio Rank
The Calmar Ratio Rank of PAYO is 6363
Calmar Ratio Rank
The Martin Ratio Rank of PAYO is 6060
Martin Ratio Rank

NU
The Risk-Adjusted Performance Rank of NU is 4747
Overall Rank
The Sharpe Ratio Rank of NU is 4949
Sharpe Ratio Rank
The Sortino Ratio Rank of NU is 4444
Sortino Ratio Rank
The Omega Ratio Rank of NU is 4444
Omega Ratio Rank
The Calmar Ratio Rank of NU is 4848
Calmar Ratio Rank
The Martin Ratio Rank of NU is 4848
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

PAYO vs. NU - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for Payoneer Global Inc. (PAYO) 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.


The current PAYO Sharpe Ratio is 0.24, which is higher than the NU Sharpe Ratio of -0.03. The chart below compares the historical Sharpe Ratios of PAYO 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.


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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

Dividends

PAYO vs. NU - Dividend Comparison

Neither PAYO nor NU has paid dividends to shareholders.


Tickers have no history of dividend payments

Drawdowns

PAYO vs. NU - Drawdown Comparison

The maximum PAYO drawdown since its inception was -67.91%, smaller than the maximum NU drawdown of -72.07%. Use the drawdown chart below to compare losses from any high point for PAYO and NU.


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Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

PAYO vs. NU - Volatility Comparison

Payoneer Global Inc. (PAYO) has a higher volatility of 19.47% compared to Nu Holdings Ltd. (NU) at 9.93%. This indicates that PAYO'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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Financials

PAYO vs. NU - Financials Comparison

This section allows you to compare key financial metrics between Payoneer Global Inc. 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.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.00500.00M1.00B1.50B2.00B2.50B3.00B3.50B20212022202320242025
246.62M
3.15B
(PAYO) Total Revenue
(NU) Total Revenue
Values in USD except per share items

PAYO vs. NU - Profitability Comparison

The chart below illustrates the profitability comparison between Payoneer Global Inc. and Nu Holdings Ltd. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

Gross Margin
Operating Margin
Net Margin
Quarterly
Annual

-20.0%0.0%20.0%40.0%60.0%80.0%20212022202320242025
84.0%
40.6%
(PAYO) Gross Margin
(NU) Gross Margin
PAYO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2025, Payoneer Global Inc. reported a gross profit of 207.27M and revenue of 246.62M. Therefore, the gross margin over that period was 84.0%.

NU - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2025, Nu Holdings Ltd. reported a gross profit of 1.28B and revenue of 3.15B. Therefore, the gross margin over that period was 40.6%.

PAYO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2025, Payoneer Global Inc. reported an operating income of 29.32M and revenue of 246.62M, resulting in an operating margin of 11.9%.

NU - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2025, Nu Holdings Ltd. reported an operating income of 795.07M and revenue of 3.15B, resulting in an operating margin of 25.3%.

PAYO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2025, Payoneer Global Inc. reported a net income of 20.58M and revenue of 246.62M, resulting in a net margin of 8.3%.

NU - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2025, Nu Holdings Ltd. reported a net income of 557.20M and revenue of 3.15B, resulting in a net margin of 17.7%.