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Nu Holdings Ltd. (NU) Total Return Calculator with Dividends Reinvested

Nu Holdings Ltd.

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The total return for Nu Holdings Ltd. (NU) stock is +16.40% over the past 12 months. So far it's down 14.92% this year. The 5-year total return is +40.17%, meaning $10,000 invested in NU stock 5 years ago would be worth $14,017 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in NU 1 year ago, it would be worth $11,640 today — you'd have gained $1,640.

With Dividends Reinvested$11,640+16.40%

Price Only (No DRIP)$11,640+16.40%

Period2025-05-06 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in NU

1Y$11,640+$1,640 (+16.4%)16.4% CAGR

3Y$24,459+$14,459 (+144.6%)34.7% CAGR

5Y$14,017+$4,017 (+40.2%)7.0% CAGR

10Y$14,017+$4,017 (+40.2%)3.4% CAGR

15Y$14,017+$4,017 (+40.2%)2.3% CAGR

20Y$14,017+$4,017 (+40.2%)1.7% CAGR

30Y$14,018+$4,018 (+40.2%)1.1% CAGR

Nu Holdings Ltd. did not pay dividends during this period. Total return = price return.

Loading NU total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-14.92%	—	-14.92%	—	$8,508
1Y	+16.40%	16.40%	+16.40%	—	$11,640
3Y	+144.59%	34.74%	+144.59%	—	$24,459
5Y	+40.17%	6.99%	+40.17%	—	$14,017
10Y	+40.17%	3.43%	+40.17%	—	$14,017
15Y	+40.17%	2.28%	+40.17%	—	$14,017
20Y	+40.17%	1.70%	+40.17%	—	$14,017
30Y	+40.18%	1.13%	+40.18%	—	$14,018

Risk & Highlights

Best Year+133.99%2023

Worst Year-59.22%2022

Max Drawdown-27.99%2026-01-29 → 2026-03-30

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-11.99%	-11.99%	—	+0.41%	-12.4pp
2025	+57.48%	+57.48%	—	+16.64%	+40.8pp
2024	+27.43%	+27.43%	—	+24.00%	+3.4pp
2023	+133.99%	+133.99%	—	+24.81%	+109.2pp
2022	-59.22%	-59.22%	—	-19.95%	-39.3pp

NU underperformed the S&P 500 by 14.92pp over the past year (+16.40% vs +31.32%).

Loading summary...

NU Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
NUNu Holdings Ltd.	$55.4B	+1.5%	-14.9%	+16.4%	—	+144.6%	+40.2%	+40.2%
SOFISoFi Technologies, Inc.	$20.8B	+0.2%	-40.6%	+28.0%	—	+198.0%	+8.7%	+55.5%
AFRMAffirm Holdings, Inc.	$21.8B	+35.4%	-11.4%	+28.6%	—	+449.2%	+20.5%	-32.6%
UPSTUpstart Holdings, Inc.	$2.7B	+6.6%	-37.4%	-44.2%	—	+114.3%	-68.8%	-2.7%
LCLendingClub Corporation	$2.0B	+15.7%	-10.8%	+70.6%	—	+148.3%	+20.8%	-51.9%
DAVEDave Inc.	$3.3B	+41.6%	+12.3%	+132.6%	—	+4683.9%	-21.4%	-21.4%
PYPLPayPal Holdings, Inc.	$42.6B	+1.7%	-20.2%	-31.6%	+0.4pp	-38.4%	-81.5%	+17.9%
MAMastercard Incorporated	$435.4B	-1.9%	-12.3%	-11.4%	+0.6pp	+29.8%	+34.3%	+428.0%
VVisa Inc.	$611.6B	+5.1%	-7.8%	-7.6%	+0.7pp	+40.2%	+42.0%	+328.6%
GPNGlobal Payments Inc.	$16.5B	+7.0%	-7.5%	-10.9%	+1.3pp	-30.6%	-62.9%	+4.1%
STNEStoneCo Ltd.	$2.8B	-20.3%	-5.4%	+4.5%	+19.0pp	+0.7%	-77.3%	-55.7%

Compare:NU vs SOFI NU vs AFRM NU vs UPST NU vs SOFI vs AFRM

About NU Dividend Returns

Nu Holdings Ltd. (NU) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of NU over the past year?

Nu Holdings Ltd. (NU) delivered a return of 16.40% over the past year. Since NU does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in NU be worth today?

A $10,000 investment in Nu Holdings Ltd. one year ago would be worth $11,640 today, representing a gain of $1,640.

Q3Does NU pay dividends?

Nu Holdings Ltd. (NU) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For NU, the total return equals the price-only return.

Q4Did NU beat the S&P 500?

No, Nu Holdings Ltd. (NU) underperformed the S&P 500 by 14.92 percentage points over the past year. NU delivered a total return of 16.40%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed NU by 14.92pp during this period.

Q5What is NU's worst drawdown?

Nu Holdings Ltd. (NU) experienced a maximum drawdown of -27.99% over the past year, declining from its peak on 2026-01-29 to its trough on 2026-03-30. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is NU's long-term total return over 10, 20, or 30 years?

Here are Nu Holdings Ltd. (NU)'s long-term returns with dividends reinvested. Over 10 years, the total return is 40.2% (3.4% CAGR) — $10,000 would have grown to $14,017. Over 20 years: 40.2% total return (1.7% CAGR) — $10,000 → $14,017. Over 30 years: 40.2% total return (1.1% CAGR) — $10,000 → $14,018. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was NU's best and worst year?

Nu Holdings Ltd.'s best calendar year was 2023 with a total return of 134.0%. Its worst year was 2022 with a total return of -59.2%. This range shows the volatility investors should expect — the difference between the best and worst year is 193.2 percentage points.