WEBNF vs. NU

Last updated Apr 2, 2026

Compare and contrast key facts about Westpac Banking Corp (WEBNF) and Nu Holdings Ltd. (NU).

Performance

WEBNF vs. NU - Performance Comparison

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

WEBNF vs. NU - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
WEBNF Westpac Banking Corp	6.36%	39.75%	34.48%	5.37%	10.13%	2.27%
NU Nu Holdings Ltd.	-13.74%	61.58%	24.37%	104.67%	-56.61%	-9.20%

Fundamentals

Market Cap WEBNF : $65.19B NU : $71.00B
EPS WEBNF : $5.20 NU : $0.58
PE Ratio WEBNF : 5.14 NU : 24.70
PS Ratio WEBNF : 1.29 NU : 4.60
PB Ratio WEBNF : 1.36 NU : 6.29
Total Revenue (TTM) WEBNF : $50.58B NU : $15.40B
Gross Profit (TTM) WEBNF : $77.69B NU : $6.61B
EBITDA (TTM) WEBNF : $3.05B NU : $3.94B

Returns By Period

In the year-to-date period, WEBNF achieves a 6.36% return, which is significantly higher than NU's -13.74% return.

WEBNF

• 1D: -6.79%
• 1M: -10.39%
• YTD: 6.36%
• 6M: 9.49%
• 1Y: 48.24%
• 3Y*: 32.09%
• 5Y*: 22.16%
• 10Y*: 13.89%

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

WEBNF vs. NU — Risk / Return Rank

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

WEBNF

WEBNF Risk / Return Rank: 73
WEBNF Sharpe Ratio Rank: 69
WEBNF Sortino Ratio Rank: 67
WEBNF Omega Ratio Rank: 69
WEBNF Calmar Ratio Rank: 77
WEBNF Martin Ratio Rank: 81

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.

WEBNF vs. NU - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Westpac Banking Corp (WEBNF) 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.

	WEBNF	NU	Difference
Sharpe ratio Return per unit of total volatility	0.86	0.97	-0.11
Sortino ratio Return per unit of downside risk	1.52	1.48	+0.04
Omega ratio Gain probability vs. loss probability	1.22	1.20	+0.02
Calmar ratio Return relative to maximum drawdown	2.15	1.47	+0.68
Martin ratio Return relative to average drawdown	6.70	4.34	+2.36
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

WEBNF vs. NU - Sharpe Ratio Comparison

The current WEBNF Sharpe Ratio is 0.86, which is comparable to the NU Sharpe Ratio of 0.97. The chart below compares the historical Sharpe Ratios of WEBNF 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

	WEBNF	NU	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.86	0.97	-0.11
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.52	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.36	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.19	0.14	+0.06

Correlation

The correlation between WEBNF and NU is 0.15, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

WEBNF vs. NU - Dividend Comparison

WEBNF's dividend yield for the trailing twelve months is around 2.61%, while NU has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
WEBNF Westpac Banking Corp	2.61%	2.78%	8.39%	8.91%	7.82%	42.62%	3.83%	14.51%	19.31%	16.01%
NU Nu Holdings Ltd.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

WEBNF vs. NU - Drawdown Comparison

The maximum WEBNF drawdown since its inception was -66.96%, smaller than the maximum NU drawdown of -72.07%. Use the drawdown chart below to compare losses from any high point for WEBNF and NU.

Drawdown Indicators

	WEBNF	NU	Difference
Max Drawdown Largest peak-to-trough decline	-66.96%	-72.07%	+5.11%
Max Drawdown (1Y) Largest decline over 1 year	-18.99%	-27.99%	+9.00%
Max Drawdown (5Y) Largest decline over 5 years	-31.26%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-61.21%	—	—
Current Drawdown Current decline from peak	-12.50%	-23.03%	+10.53%
Average Drawdown Average peak-to-trough decline	-21.11%	-29.90%	+8.79%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.09%	9.45%	-3.36%

Volatility

WEBNF vs. NU - Volatility Comparison

The current volatility for Westpac Banking Corp (WEBNF) is 11.28%, while Nu Holdings Ltd. (NU) has a volatility of 11.98%. This indicates that WEBNF experiences smaller price fluctuations and is considered to be less risky than NU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	WEBNF	NU	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.28%	11.98%	-0.70%
Volatility (6M) Calculated over the trailing 6-month period	31.69%	27.59%	+4.10%
Volatility (1Y) Calculated over the trailing 1-year period	56.65%	39.97%	+16.68%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	42.67%	59.12%	-16.45%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.13%	59.12%	-19.99%

Financials

WEBNF vs. NU - Profitability Comparison

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

WEBNF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Westpac Banking Corp reported a gross profit of 0.00 and revenue of 18.98B. Therefore, the gross margin over that period was 0.0%.

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%.

WEBNF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Westpac Banking Corp reported an operating income of 1.16B and revenue of 18.98B, resulting in an operating margin of 6.1%.

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%.

WEBNF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Westpac Banking Corp reported a net income of 2.38B and revenue of 18.98B, resulting in a net margin of 12.5%.

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%.