Adyen vs Nu Holdings (ADYEN.AS vs NU)

Adyen (ADYEN.AS) vs Nu Holdings (NU) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.

Adyen (ADYEN.AS) and Nu Holdings (NU) compete in financial services and payments. Here are Adyen and Nu Holdings side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy Adyen or Nu Holdings.

Adyen vs Nu Holdings: the figures

Adyen and Nu Holdings figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Adyen or Nu Holdings figure is not available, and we never estimate it.

3 key differences between Adyen and Nu Holdings

1. Growth: Nu Holdings grew sales +52.1% year on year in its latest quarter, against +18.9% for Adyen.
2. Volatility: Adyen stock moves more (beta 1.91) than Nu Holdings (beta 0.97); the higher the beta, the more it amplifies market swings.
3. Valuation: Adyen trades at 24.0x its annual earnings and Nu Holdings at 16.4x; the market pays more for each dollar of Adyen profit, usually because it expects more growth.

Adyen or Nu Holdings: which fits your profile

• If you want growth: Nu Holdings is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
• If you prefer caution: Nu Holdings has a less volatile share price, which usually gives more room in a bad year.
• If price is what matters most to you: Nu Holdings trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.

Neither Adyen nor Nu Holdings wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.

How Adyen and Nu Holdings make money

Adyen (ADYEN.AS)

Adyen processes card and other payments for businesses, taking a small fee on each transaction. It breaks its business into Digital (online and in-app payments), Unified Commerce (in-store payments through its terminals) and Platforms (payments embedded in platforms and marketplaces). Clients include major firms like Uber, Spotify and eBay. Full Adyen analysis.

Nu Holdings (NU)

Nu Holdings is the parent of Nubank, an app-only digital bank operating in Brazil, Mexico and Colombia. It offers accounts, credit cards, personal loans, investments and insurance. It earns mainly interest on credit cards and loans, plus interchange fees merchants pay on card purchases. Brazil is its largest market. Full Nu Holdings analysis.

Frequently asked questions: Adyen vs Nu Holdings

Is Adyen or Nu Holdings the better stock?

Choosing between Adyen and Nu Holdings depends on what you are looking for. Nu Holdings is growing faster right now, and Nu Holdings trades on the lower P/E. Fintols does not tell you whether to buy Adyen or Nu Holdings: it shows you the differences so you can decide.

Which pays a higher dividend, Adyen or Nu Holdings?

Neither pays a dividend as of November 4, 2026: Adyen and Nu Holdings put what they earn into growth or other forms of shareholder return.

Which is more expensive, Adyen or Nu Holdings?

On P/E, Adyen (24.0x) is more expensive than Nu Holdings (16.4x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.

Can I own both Adyen and Nu Holdings?

Yes. Many people spread their money across several companies, such as Adyen and Nu Holdings, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying Adyen or Nu Holdings.

More comparisons with Adyen or Nu Holdings

• Adyen vs Deutsche Börse
• Adyen vs Affirm
• Affirm vs Nu Holdings
• Nu Holdings vs Upstart

More companies like Adyen and Nu Holdings: financial services and payments stocks. Educational content about Adyen and Nu Holdings, not investment advice.