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Price return Both stocks start at 0% on the first shared trading day.
Price return: NU and RAND Historical recorded observations on the same scale. Missing metrics leave gaps. -83% -44% -5% 35% 74% 2021 2022 2023 2024 2025 2026
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↗ CONTEXT ATTACHED NU + RAND Prices, financials and SEC filing evidence
Business overlap Businesses Fundamentals Methodology Similarity 26.5%
2 shared / 11 total tags How similar are their businesses? The score compares business activities in annual filings released in 2025. Core activities receive four times the weight of material activities. Industries that fewer companies share carry more weight.
Banking Financial Services
How we measure overlap ↗ The businesses behind the score
Industry overlap Filing-derived business activity overlap Counts of retained positive business classifications. Circle sizes do not encode the counts or the weighted similarity score. NU only 9 Shared 2 RAND only 0 NU only · 9 Asset ManagementMaterial ↗ Filing evidence Auto InsuranceMaterial ↗ Filing evidence BrokerageMaterial ↗ Filing evidence CryptocurrencyMaterial ↗ Filing evidence FintechCore ↗ Filing evidence Home InsuranceMaterial ↗ Filing evidence View all 9 activities Show fewer activities InsuranceMaterial ↗ Filing evidence Life InsuranceMaterial ↗ Filing evidence PaymentsCore ↗ Filing evidence Shared activities · 2 BankingNU: Core · RAND: Core ↗ Filing evidence Financial ServicesNU: Core · RAND: Core ↗ Filing evidence RAND only · 0 No activities in this group.
Positive activities from the two selected annual filings. Expand each group to view all its activities, or use the complete table below. These are classification sets, not revenue shares. The weighted similarity score also accounts for exposure and how common each activity is. Show business activity table · 11 rows, 3 columns All 11 Shared 2 Different 9
Core activities receive full weight; material activities receive one quarter. Select a tag to read the filing evidence.
NU Core Annual filing released 2025-04-16 · GPT 6 Luna
We earn revenue from two main sources:
fees and interest income. Fees include fees and commissions related to credit and prepaid card transactions, payments, loyalty programs,
prepaid mobile phone top-ups, as well as the marketplace for and distribution of certain financial products and services, such as investments,
insurance, and remittance products. Interest income is related to interest charged on revolving and refinanced credit card balances, purchases
of credit card receivables and loans to customers, as well as interest earned on deposits, government bonds and other interest-earning
instruments assets. For the year ended December 31, 2024, 16% of our total revenue was earned through fee and commission income, which
comes mostly from interchange fees and is not directly charged to the customer. We offer a wide range of products and
services for our customers. In Brazil, we offer products across the Five Financial Seasons: (1) spending, (2) saving, (3) investing, (4)
borrowing, and (5) protecting. All our products are fully digital solutions to help us provide simple, convenient and low-cost services
with a great user experience for our customers.
Spending Solutions
Our spending solutions are designed
to help customers pay for goods and services in their daily lives with a customized credit line or instantly through a mobile phone, while
collecting loyalty points, rewards, discounts and benefits on applicable transactions. These solutions include:
Nu Credit and Prepaid Card Read the annual filing ↗ RAND Core Annual filing released 2025-03-10 · GPT 6 Luna
We are an externally managed non-diversified investment company that lends to and invests in lower middle market companies. Our investment objective is to generate current income and when possible, complement this current income with capital appreciation. As a result, our investments are primarily in higher yielding debt instruments. Our investment activities are managed by our investment adviser, Rand Capital Management, LLC (“RCM”).
We have elected to be regulated as a business development company (“BDC”) under the Investment Company Act of 1940, as amended (the “1940 Act”). As a BDC, we are required to comply with certain regulatory requirements specified in the 1940 Act. As of December 31, 2024, and 2023, our investment portfolio consisted of the following types of investments:
Cost
Percentage of
Total Portfolio
Fair Value
Percentage of
Total Portfolio
December 31, 2024:
Subordinated Debt and Promissory Notes
$
56,098,724
82
%
$
53,081,594
75
%
Convertible Notes
484,837
1
%
—
—
Equity and Membership Interests
11,396,611
17
%
16,936,384
24
%
Equity Warrants
140,063
—
800,063
1
%
Total
$
68,120,235
100
%
$
70,818,041
100
%
December 31, 2023:
Subordinated Debt and Promissory Notes
$
48,841,346
71
%
$
48,841,346
63
%
Convertible Notes
438,156
1
%
438,156
1
% Read the annual filing ↗ NU Core Annual filing released 2025-04-16 · GPT 6 Luna
To date, we have made substantial
strides with our Money Platform, which comprehensively supports users through what we call the 'Five Financial Seasons': spending,
saving, investing, protecting, and borrowing. The platform is designed to seamlessly integrate each of these
aspects into our customers' financial wellbeing and enhance it.
Form 20-F | 2024
18
Welcome to Nu
We believe Nu is one of the world’s
largest digital financial services platforms, and one of the leading technology companies in the world, with 114.2 million customers
across Brazil, Mexico and Colombia as of December 31, 2024, a potential unlocked by our member-get-member referral program. We earn revenue from two main sources:
fees and interest income. Fees include fees and commissions related to credit and prepaid card transactions, payments, loyalty programs,
prepaid mobile phone top-ups, as well as the marketplace for and distribution of certain financial products and services, such as investments,
insurance, and remittance products. Interest income is related to interest charged on revolving and refinanced credit card balances, purchases
of credit card receivables and loans to customers, as well as interest earned on deposits, government bonds and other interest-earning
instruments assets. For the year ended December 31, 2024, 16% of our total revenue was earned through fee and commission income, which
comes mostly from interchange fees and is not directly charged to the customer. Read the annual filing ↗ RAND Core Annual filing released 2025-03-10 · GPT 6 Luna
We are an externally managed non-diversified investment company that lends to and invests in lower middle market companies. Our investment objective is to generate current income and when possible, complement this current income with capital appreciation. As a result, our investments are primarily in higher yielding debt instruments. Our investment activities are managed by our investment adviser, Rand Capital Management, LLC (“RCM”).
We have elected to be regulated as a business development company (“BDC”) under the Investment Company Act of 1940, as amended (the “1940 Act”). As a BDC, we are required to comply with certain regulatory requirements specified in the 1940 Act. As of December 31, 2024, and 2023, our investment portfolio consisted of the following types of investments:
Cost
Percentage of
Total Portfolio
Fair Value
Percentage of
Total Portfolio
December 31, 2024:
Subordinated Debt and Promissory Notes
$
56,098,724
82
%
$
53,081,594
75
%
Convertible Notes
484,837
1
%
—
—
Equity and Membership Interests
11,396,611
17
%
16,936,384
24
%
Equity Warrants
140,063
—
800,063
1
%
Total
$
68,120,235
100
%
$
70,818,041
100
%
December 31, 2023:
Subordinated Debt and Promissory Notes
$
48,841,346
71
%
$
48,841,346
63
%
Convertible Notes
438,156
1
%
438,156
1
% Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
●
Nu Investimentos is authorized (1) by the BCB to operate as a securities broker (corretora de títulos
e valores mobiliários, or “CTVM”), performing the activities provided in CMN Resolution No. 5.008, of March 24,
2022, as amended, or Resolution No. 5.008/22 and (2) by CVM to (i) provide investments fund bookkeeping services (ii) offer securities
custody services and (iii) coordinate securities offerings. In addition, Nu Asset Management Ltda., (Nu Asset Management) a wholly owned
subsidiary of Nu Investimentos, is authorized by the CVM to provide securities portfolio management services.
Form 20-F | 2024
81
One of our subsidiaries, Nu Corretora
de Seguros Ltda., or “Nu Corretora de Seguros” is regulated by Superintendence of Private Insurance (SUSEP) and is authorised
to operate as an insurance brokerage firm under applicable Brazilian regulations. Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
In our view, life insurance distribution
to individuals in Brazil remains primarily through the bancassurance channel, while P&C insurance distribution remains concentrated
in the broker channel.
We believe that complexity, lack
of transparency and high premiums, largely a result of inefficient underwriting, continue to prevent many Latin Americans from purchasing
more insurance products. Our first insurance product, NuLife, launched in August 2020 (in partnership with Chubb as underwriter), highlights
the significant unmet demand for insurance products. NuLife offers flexible, fully customizable life insurance policies that can be contracted
in five simple steps through our app. We launched mobile insurance in 2022, and auto and "Vidas Juntas" insurance – life
insurance for non-consanguineum and non-marital relationships – products in 2023. Our most recent products also are characterized
by fully customizable quotes and seamless digital onboarding through Nu’s app. As of December 2024, we had more than two million
active policies across all insurance categories, representing an annual growth rate of 60%. Over time, we plan to broaden our insurance
offering to include additional life and P&C products.
F. E-Commerce Marketplaces
Brazilian e-commerce reached a gross
merchandise volume (GMV) of almost US$38 billion in 2024, according to the Brazilian Association
of E-Commerce (ABCOMM). Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
●
Nu Investimentos is authorized (1) by the BCB to operate as a securities broker (corretora de títulos
e valores mobiliários, or “CTVM”), performing the activities provided in CMN Resolution No. 5.008, of March 24,
2022, as amended, or Resolution No. 5.008/22 and (2) by CVM to (i) provide investments fund bookkeeping services (ii) offer securities
custody services and (iii) coordinate securities offerings. In addition, Nu Asset Management Ltda., (Nu Asset Management) a wholly owned
subsidiary of Nu Investimentos, is authorized by the CVM to provide securities portfolio management services.
Form 20-F | 2024
81
One of our subsidiaries, Nu Corretora
de Seguros Ltda., or “Nu Corretora de Seguros” is regulated by Superintendence of Private Insurance (SUSEP) and is authorised
to operate as an insurance brokerage firm under applicable Brazilian regulations. Nu Investimentos, our 100%-owned
indirect subsidiary organized in Brazil, is engaged in digital investment platform Nu Investimentos and operates as a regulated broker
dealer under the oversight of the Central Bank of Brazil.
Form 20-F | 2024
136
Nu México Financiera,
S.A. de C.V., S.F.P., or “Nu Mexico Financiera”
Nu Financiera, our 99.9%-owned indirect
subsidiary organized in Mexico, acquired in September 2021, is engaged in the issuance and administration of credit cards and payment
transfers through a savings account. Nu Financiera is a regulated financial institution under Mexico law and is authorized to operate
in such capacity by the CNBV.
Nu Colombia Compañía
de Financiamiento , or “Nu Colombia Financiera” Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
● Transparent fee pricing
● Wide portfolio of investment choices
● No-fee stock trading
● Personalized recommendations
● Portfolio and investment monitoring
Form 20-F | 2024
47
NuCrypto
NuCrypto
is a solution for buying and selling cryptocurrencies with a custodial wallet with on-chain transfers through the Nu app. It was created
to simplify and increase access to the crypto market safely through the app. Features and benefits include:
● Ability to invest as little as R$1 (equivalent to US$0.2)
● Customers can buy and sell cryptocurrencies any day
and time – including weekends – using the account balance without leaving the Nu app environment ● Current Cryptocurrencies that can be traded: BTC (bitcoin), ETH (ethereum), UNI
(uniswap), XRP (XRP Ledger), Sol (solana), Xlm (stellar), Pol (polygon) Matic migrated to Pol, Aave (aave), Link (Chainlink), Avax (avalanche),
BCH (bitcoin cash), Op (Optimism), Arb (Arbitrum), Ltc (Litecoin) and Dot (Polkadot)
● In addition to fiat pairs, we also offer swap pairs (BTC<>ETH, USDC<>BTC,
others) with efficient execution for customers
● NuCrypto offers a custodial crypto wallet for customers to perform on-chain transfers
to and from their NuCrypto account
● Nubank's Know your Client, or "KYC", Anti Money Laundering, or "AML",
practices and controls
● Nubank offers custody for customer assets using Fireblocks SaaS
● Customers can follow market movements with a price alerts feature, and with customization
of price variation and frequency of alerts Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Core Annual filing released 2025-04-16 · GPT 6 Luna
To date, we have made substantial
strides with our Money Platform, which comprehensively supports users through what we call the 'Five Financial Seasons': spending,
saving, investing, protecting, and borrowing. The platform is designed to seamlessly integrate each of these
aspects into our customers' financial wellbeing and enhance it.
Form 20-F | 2024
18
Welcome to Nu
We believe Nu is one of the world’s
largest digital financial services platforms, and one of the leading technology companies in the world, with 114.2 million customers
across Brazil, Mexico and Colombia as of December 31, 2024, a potential unlocked by our member-get-member referral program. The strengths generated by our core
principles and our self-reinforcing model provide us with powerful competitive advantages that have enabled Nu to disrupt the legacy models
of incumbent providers to become what we believe is one of the largest digital financial services platforms in the world. We believe we
are positioned favorably to continue growing our business with attractive economics and expanding our addressable market. We believe our
advantages are difficult to replicate, will continue to strengthen as we scale, and will compound over time.
We Have Significant
Market and Leadership Advantages
Over the past years, we believe we
built one of the largest, most influential, and trusted technology companies in the world. This privileged leadership position provides
us with several key advantages, including: Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
● Supports both single and recurring payments for high-frequency transactions
● Enables customers to pay via debit, with their account balances, or via credit,
upfront or in installments, with or without interest
Protection
Solutions
Our NuInsurance protection
solutions are designed to help customers secure insurance products easily and at a low cost. Having started with life and then mobile
insurance, we are now expanding our offering to five different insurance products. These are:
Brokerage of Life, Mobile,
Home and Financial Protection Insurance Policies
All products are quoted, customized
and contracted exclusively through the app. The underwriting is done by our partner, Chubb. The products can be customized by our customers,
based on their needs and budgets. Features and benefits include:
● Premiums as low as US$2 for NuLife Our most recent products also are characterized
by fully customizable quotes and seamless digital onboarding through Nu’s app. As of December 2024, we had more than two million
active policies across all insurance categories, representing an annual growth rate of 60%. Over time, we plan to broaden our insurance
offering to include additional life and P&C products.
F. E-Commerce Marketplaces
Brazilian e-commerce reached a gross
merchandise volume (GMV) of almost US$38 billion in 2024, according to the Brazilian Association
of E-Commerce (ABCOMM). Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
● Supports both single and recurring payments for high-frequency transactions
● Enables customers to pay via debit, with their account balances, or via credit,
upfront or in installments, with or without interest
Protection
Solutions
Our NuInsurance protection
solutions are designed to help customers secure insurance products easily and at a low cost. Having started with life and then mobile
insurance, we are now expanding our offering to five different insurance products. These are:
Brokerage of Life, Mobile,
Home and Financial Protection Insurance Policies
All products are quoted, customized
and contracted exclusively through the app. The underwriting is done by our partner, Chubb. The products can be customized by our customers,
based on their needs and budgets. Features and benefits include:
● Premiums as low as US$2 for NuLife Our most recent products also are characterized
by fully customizable quotes and seamless digital onboarding through Nu’s app. As of December 2024, we had more than two million
active policies across all insurance categories, representing an annual growth rate of 60%. Over time, we plan to broaden our insurance
offering to include additional life and P&C products.
F. E-Commerce Marketplaces
Brazilian e-commerce reached a gross
merchandise volume (GMV) of almost US$38 billion in 2024, according to the Brazilian Association
of E-Commerce (ABCOMM). Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Material Annual filing released 2025-04-16 · GPT 6 Luna
In our view, life insurance distribution
to individuals in Brazil remains primarily through the bancassurance channel, while P&C insurance distribution remains concentrated
in the broker channel.
We believe that complexity, lack
of transparency and high premiums, largely a result of inefficient underwriting, continue to prevent many Latin Americans from purchasing
more insurance products. Our first insurance product, NuLife, launched in August 2020 (in partnership with Chubb as underwriter), highlights
the significant unmet demand for insurance products. NuLife offers flexible, fully customizable life insurance policies that can be contracted
in five simple steps through our app. We launched mobile insurance in 2022, and auto and "Vidas Juntas" insurance – life
insurance for non-consanguineum and non-marital relationships – products in 2023. Our most recent products also are characterized
by fully customizable quotes and seamless digital onboarding through Nu’s app. As of December 2024, we had more than two million
active policies across all insurance categories, representing an annual growth rate of 60%. Over time, we plan to broaden our insurance
offering to include additional life and P&C products.
F. E-Commerce Marketplaces
Brazilian e-commerce reached a gross
merchandise volume (GMV) of almost US$38 billion in 2024, according to the Brazilian Association
of E-Commerce (ABCOMM). Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ NU Core Annual filing released 2025-04-16 · GPT 6 Luna
We earn revenue from two main sources:
fees and interest income. Fees include fees and commissions related to credit and prepaid card transactions, payments, loyalty programs,
prepaid mobile phone top-ups, as well as the marketplace for and distribution of certain financial products and services, such as investments,
insurance, and remittance products. Interest income is related to interest charged on revolving and refinanced credit card balances, purchases
of credit card receivables and loans to customers, as well as interest earned on deposits, government bonds and other interest-earning
instruments assets. For the year ended December 31, 2024, 16% of our total revenue was earned through fee and commission income, which
comes mostly from interchange fees and is not directly charged to the customer. ●
Nu Pagamentos is authorized by the BCB to operate as a payment institution in the capacities of
(1) issuer of postpaid payment instruments (emissor de instrumento de pagamento pós-pago), (2) issuer of electronic currency
(emissor de moeda eletrônica), (3) acquirer (credenciador) and (4) payment initiation service provider (iniciador de transação
de pagamento);
●
Nu Financeira is authorized by the BCB to operate as a credit, financing and investment entity (sociedade
de crédito, financiamento e investimento), conducting active, passive and ancillary transactions related to credit, financing
and investment portfolios;
● NuPay is authorized by the BCB to operate as a payment institution in the capacity of issuer
of electronic currency (emissor de moeda eletrônica); Read the annual filing ↗ RAND Not tagged Annual filing released 2025-03-10 · GPT 6 Luna
This activity has no positive tag in the selected filing snapshot.
Read the annual filing ↗ What each company does Compare the businesses NL
Nu Holdings Ltd. NU · XNYS Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. It offers spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. The company also provides transactional Solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.
Open NU dashboard ↗ RC
Rand Capital Corp RAND · XNAS Rand Capital Corporation is a business development company specializing in subordinated debt with warrants or preferred equity and venture capital investments. Within private equity, the firm specializing in capital growth and lower middle market investments. Within venture capital, it specializing in early to late-stage private businesses. It does not prefer to invest in real estate sector. It prefers to invest in software, professional services, manufacturing, consumer, healthcare, automotive and public d stocks. It prefers to invest in East or Midwest U.S. operations sectors. It typically invests between $0.75 million and $5 million with initial target size of $1.5 million. It seeks to invest in companies having more than $10 million in revenue or having excess of $1.5 million and up to $5 million in EBITDA. It prefers to be a minority stake and seeks to take a Board seat in its portfolio companies. It typically holds its investments for a period up to five years.
Open RAND dashboard ↗ Show fundamentals table · 11 rows, 3 columns USD values from stored observations. Fiscal period endings and availability dates may differ.
NU period ended 2025-12-31 · available 2026-04-08 · SEC filing ↗ RAND period ended 2025-12-31 · available 2026-03-31 · SEC filing ↗ Behind the comparison Sources and methodology Price return uses split-adjusted daily closes and excludes dividends. Both stocks start on the first shared trading day within the selected window. Unavailable metrics leave gaps.
Financials use SEC canonical statements available by the displayed cutoff, retaining each company's fiscal period end. Annual and quarterly amounts are shown separately. P/E is unavailable when earnings do not support a positive ratio.
Business overlap uses industry tags from annual filings released in 2025. Each core activity receives full weight; each material activity receives one quarter of that weight. Rarer industries carry more weight. We sum the smaller exposure for each shared activity and divide it by the sum of the larger exposure for every activity in either company. This measures business overlap, rather than price correlation or expected returns.
Search eligibility requires distinct issuers, a shared core category and at least 20% weighted overlap, supported by industry or sector evidence and specific business activities. Broad classifications require stronger overlap within the same sector. Comparisons also need at least 252 shared price observations within two years, recent trading and a common sourced revenue or net-income trend. Missing P/E or gross margin alone does not exclude a comparison. The eligibility snapshot refreshes daily. Related comparisons use a separate, stricter peer rule; their ten-peer discovery limit does not limit search eligibility. Other stock pairs remain available in the comparison tool.
Statements available through 2026-10-19. Industry snapshot: 2025-12-31 · 5,721 classified issuers.
