Home Compare NU vs UCG.MI
Stock Comparison · Industry comparison · Banks - Regional

Nu Holdings vs UniCredit S.p.A.: Valuation, Growth and Quality Compared

Structurally, Nu and UniCredit S.p.A are closely matched — neither holds a meaningful edge overall. The remaining gap is narrow enough that the comparison remains open to different readings. In the market, UniCredit S.p.A carries the stronger setup — intact trend against Nu's broken trend.

The comparison is based on similar long-term financial trajectories, not sector labels. Peer scores are normalised within each company's primary universe (NU: Russell 1000, UCG.MI: STOXX 600).

Updated 2026-07-05

The page question resolves more clearly through growth, even though the overall score is effectively tied.

INDUSTRY COMPARISON

Both operate in: Banks - Regional

This comparison is based on industry proximity, not on functional trajectory similarity. NU and UCG.MI share the same industry classification.

For a similarity-based comparison, see how Nu and UniCredit S.p.A each position within their functional peer groups in AssetNext.

Peer-Relative Score
NU
Nu Holdings Ltd.
76
Peer-Score
Signal qualitylow
Peer basis: Russell 1000
vs
UCG.MI
UniCredit S.p.A.
76
Peer-Score
Signal qualityMedium
Peer basis: STOXX 600

Scores reflect position relative to comparable companies with similar long-term financial trajectories.

Score differences across key dimensions.

Dimension spread: NU vs UCG.MI Profitability 100 95 Stability 32 31 Valuation 81 83 Growth 77 83 NU UCG.MI
Gap Ranking
#1 Growth +6
#2 Profitability +5
#3 Valuation +2
#4 Stability +1
Price Setup

Left means cheaper relative valuation. Higher means stronger structure.

Price setup map for NU and UCG.MI Stronger + cheaper Stronger + richer Weaker + cheaper Weaker + richer NUUCG.MI Relative valuation Structural strength

UniCredit S.p.A. and Nu Holdings Ltd. look relatively close on structure, but the price setup still leans toward UniCredit S.p.A..

Valuation position uses peer-relative PE percentile (idx_pct_pe) where available.

Entry today — historical context

Where NU and UCG.MI each sit in their own 4.6-year price and valuation history.

BASED ON 4.6-YEAR HISTORY NU Elevated · below norm 0th 50th 100th 21 pct gap UCG.MI Elevated · above norm 0th 50th 100th 78th 99th
Today NU sits in the upper portion of its own 5-year history (78th percentile), while UCG.MI sits higher in its own history (99th). Within each stock's own 5-year context, NU is at a historically more favourable entry position than UCG.MI. This reflects entry timing, not which company is structurally stronger — peer-relative analysis is a separate question addressed above.

Describes historical entry positioning only. Descriptive — not investment advice.

What keeps the gap from being one-sided

On the market side, UniCredit S.p.A carries the stronger trend while Nu's trend has broken — the market setup does not confirm the structural advantage.

What this means for the comparison

Growth provides the clearer read here, while the broader score remains level.

Explore full peer positioning in AssetNext

Break down the NU vs UCG.MI comparison across all dimensions with the full interactive tool.

Explore full breakdown →
Other close comparisons

Explore how NU and UCG.MI each compare against other companies in their peer groups.

Rule-based, descriptive analysis only. Derived from peer percentile dimensions. Not investment advice. Peer groups are determined algorithmically based on structural similarity — not by sector classification alone.

How AssetNext Peer Scores Work

AssetNext scores reflect each company's structural position within its functional peer group — not a ranking against all stocks simultaneously. Peers are identified by similarity across eight financial dimensions, including revenue growth trajectory, margin structure, capital intensity, and earnings stability. A score of 75 means the company ranks in the top quartile within its own peer group, not the entire market.

Four dimension scores drive the overall peer score: Growth (revenue trajectory and expansion dynamics), Quality (margin structure and capital efficiency), Valuation (peer-relative pricing on standard multiples), and Stability (earnings consistency and financial predictability). Each dimension is scored 0–100 relative to the peer group, then combined into an overall peer score using equal weighting.

Because scores are peer-relative, the same company can have slightly different scores in different index universes. On comparison pages, both companies are shown within their shared peer universe wherever possible — so the scores are directly comparable. The peer basis is stated on each score card.

Scores are recalculated periodically as underlying financial data is updated. All analysis is descriptive and rule-based — AssetNext describes structural realities and never issues buy, sell or hold recommendations.