Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Banco Santander-Chile or Nu Holdings Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Banco Santander-Chile and Nu Holdings Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About Banco Santander-Chile and Nu Holdings Ltd.

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company provides checking accounts and savings products; debit and credit cards; consumer, auto, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It offers mutual fund management, insurance and securities brokerage, foreign exchange services, financial leasing, financial consulting and advisory, investment management, foreign trade, leasing, factoring, treasury, and transactional services, as well as specialized services to finance residential projects. In addition, the company offers short-term financing and funding, and brokerage services, as well as derivatives, securitization, and other products; and manages capital allocations. Further, it provides health, life, travel, automobile, and unemployment insurance products; personal and corporate protection products; guarantees; international investment accounts, structured funds, and alternative investment funds; and wealth management and open architecture, asset management, and private banking services. It serves individuals, small to middle-sized companies, and other companies, as well as universities, government agencies, municipalities, regional governments, and construction and real estate companies. The company was incorporated in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a subsidiary of Banco Santander, S.A.

Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides 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. It also offers 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 based in Sao Paulo, Brazil.

Latest Banks and Banco Santander-Chile, Nu Holdings Ltd. Stock News

As of September 8, 2026, Banco Santander-Chile had a $16.7 billion market capitalization, compared to the Banks median of $757.3 million. Banco Santander-Chile’s stock is NA in 2026, NA in the previous five trading days and up 38.6% in the past year.

Currently, Banco Santander-Chile does not have a price-earnings ratio. Banco Santander-Chile’s trailing 12-month revenue is $2.6 billion with a 47.2% net profit margin. Year-over-year quarterly sales growth most recently was 21.5%. Analysts expect adjusted earnings to reach $2.885 per share for the current fiscal year. Banco Santander-Chile currently has a 4.2% dividend yield.

Currently, Nu Holdings Ltd.’s price-earnings ratio is 20.9. Nu Holdings Ltd.’s trailing 12-month revenue is $8.4 billion with a 42.7% net profit margin. Year-over-year quarterly sales growth most recently was 52.1%. Analysts expect adjusted earnings to reach $0.896 per share for the current fiscal year. Nu Holdings Ltd. does not currently pay a dividend.

How We Compare Banco Santander-Chile and Nu Holdings Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Banco Santander-Chile and Nu Holdings Ltd.’s stock grades to see how they measure up against one another.

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Banco Santander-Chile and Nu Holdings Ltd. Stock Value Grades

Company	Ticker	Value
Banco Santander-Chile	BSAC	na
Nu Holdings Ltd.	NU	F

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Banco Santander-Chile does not have a meaningful Value Score. Nu Holdings Ltd. has a Value Score of 18, which is Ultra Expensive.

The Value Stock Winner: No Clear Winner

Neither Banco Santander-Chile or Nu Holdings Ltd. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Banco Santander-Chile or Nu Holdings Ltd. is the better investment when it comes to value.

Banco Santander-Chile and Nu Holdings Ltd.’s Momentum Grades

Company	Ticker	Momentum
Banco Santander-Chile	BSAC	B
Nu Holdings Ltd.	NU	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Banco Santander-Chile has a Momentum Score of 73, which is Strong. Nu Holdings Ltd. has a Momentum Score of 66, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Banco Santander-Chile and Nu Holdings Ltd. have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Banco Santander-Chile and Nu Holdings Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Banco Santander-Chile	BSAC	B
Nu Holdings Ltd.	NU	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Banco Santander-Chile has a Earnings Estimate Score of 63, which is Positive. Nu Holdings Ltd. has a Earnings Estimate Score of 52, which is Neutral.

The Earnings Estimate Revisions Grade Winner: Banco Santander-Chile

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Banco Santander-Chile has a better Earnings Estimate Revisions Grade than Nu Holdings Ltd.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Banco Santander-Chile could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Banco Santander-Chile and Nu Holdings Ltd. Grades

In addition to Momentum, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Banco Santander-Chile and Nu Holdings Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Banco Santander-Chile or Nu Holdings Ltd. Stock?

Overall, Banco Santander-Chile stock has a Value Score of , Momentum Score of 73 and Estimate Revisions Score of 63.

Nu Holdings Ltd. stock has a Value Score of 18, Momentum Score of 66 and Estimate Revisions Score of 52.

Comparing Banco Santander-Chile and Nu Holdings Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.