Nu (NU) vs U.S. Bancorp (USB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
U.S. Bancorp (USB) has outperformed Nu (NU) over the past year, gaining 18.3% versus a gain of 3.0%. U.S. Bancorp is the larger company by market cap ($87.52 billion vs $75.26 billion), about 1.2 times the size, while Nu is growing revenue faster (+43.4% vs +4.4%). On valuation, U.S. Bancorp trades at a lower forward P/E (9.7x vs 13.8x for Nu).
U.S. Bancorp pays a dividend yielding 3.70%, while Nu does not currently pay one. U.S. Bancorp converts more of its revenue into profit, with a net margin of 26.4% versus 17.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | NU | USB |
|---|---|---|
| Share price | $15.58 | $56.17 |
| Market cap | $75.26B | $87.52B |
| 1-day change | -0.51% | -1.95% |
| YTD return | -6.93% | +5.27% |
| 1-year return | +2.97% | +18.25% |
| 5-year return | — | -6.74% |
| P/E ratio (TTM) | 21.34 | 11.21 |
| Forward P/E | 13.79 | 9.67 |
| EPS (TTM) | $0.73 | $5.01 |
| Dividend yield | 0.00% | 3.70% |
| Annual dividend | $0.00 | $2.08 |
| Revenue (latest FY) | $11.52B | $28.66B |
| Revenue growth (YoY) | +43.44% | +4.37% |
| Net income (latest FY) | $1.97B | $7.57B |
| Gross margin | 45.61% | — |
| Net margin | 17.12% | 26.42% |
| 52-week high | $18.98 | $66.08 |
| 52-week low | $11.20 | $45.02 |
| Distance from 52-week high | -17.91% | -15.00% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +20.47% | +22.84% |
| Average volume | 85.63M | 7.45M |
| Shares outstanding | 3.81B | 1.56B |
| Employees | — | 70,000 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- USB has outperformed NU by 15.3 percentage points over the past year.
- Nu trades at a higher earnings multiple (21.3x vs 11.2x trailing P/E).
- U.S. Bancorp offers a meaningfully higher dividend yield (3.70% vs 0.00%).
- U.S. Bancorp is more profitable, keeping 26.4 cents of every revenue dollar as net income versus 17.1 cents for Nu.
- Nu grew revenue faster in its latest fiscal year (+43.44% vs +4.37%).
About Nu
NU stock →Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Finance · Finance: Consumer Services
About U.S. Bancorp
USB stock →U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States.
Finance · Major Banks · 70,000 employees
NU vs USB FAQ
Which is bigger, Nu or U.S. Bancorp?
U.S. Bancorp (USB) is larger, with a market capitalization of $87.52B compared with $75.26B for Nu (NU).
Which stock has performed better over the past year, NU or USB?
USB returned +18.25% over the past 12 months, compared with +2.97% for NU (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NU or USB?
USB has the lower trailing P/E at 11.2, versus 21.3 for NU. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Nu or U.S. Bancorp?
U.S. Bancorp pays a dividend yielding 3.70%, while Nu does not currently pay a regular dividend.
Are Nu and U.S. Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Finance: Consumer Services for Nu and Major Banks for U.S. Bancorp.