Which has the lower trailing P/E, NU or RCL?

RCL has the lower trailing P/E: NU trades at 22.35 and RCL at 18.61. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, NU or RCL?

Over the past five years, RCL grew revenue faster — NU at a 98.88% CAGR versus RCL at 188.60%.

Does NU or RCL pay a bigger dividend?

RCL pays a dividend (1.64% yield), while NU has no payments in the available dividend history.

Is NU or RCL more profitable?

RCL runs the higher net margin — NU at 18.15% versus RCL at 23.56%.

Nu Holdings Ltd. (NU) vs Royal Caribbean Cruises Ltd. (RCL)

A side-by-side comparison of Nu Holdings Ltd. and Royal Caribbean Cruises Ltd. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 28, 2026. Differences are shown without an overall score or investment verdict.

Different business models: NU is classified in Financial Services; RCL is classified in Consumer Cyclical. Margin, capital intensity, and valuation differences should be interpreted in that sector context.

Nu Holdings Ltd.

$71.10B

$14.68Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT

RCL

Royal Caribbean Cruises Ltd.

$86.49B

$322.50Consumer CyclicalDelayed quote: Jul 28, 2026, 4:00 PM EDT

Total return — NU vs RCL

growth of $100 · dividends reinvested · last 5y

NU +40.7%RCL +329.9%RCL compounded faster

NU RCL

NU vs RCL: by the numbers

•RCL is the larger company ($86.49B vs $71.10B market cap).
•RCL trades at the lower trailing earnings multiple (18.61 vs 22.35 P/E), one valuation lens rather than an overall verdict.
•RCL converts more revenue to profit (23.56% vs 18.15% net margin).
•RCL grew revenue faster over the past five years (188.60% vs 98.88% CAGR).
•RCL pays a dividend (1.64% yield), while NU has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	NU	RCL
P/E ratio	22.35	18.61
Forward P/E	17.21	17.61
P/S ratio	4.07	4.50
P/B ratio	5.67	8.43
PEG ratio	0.65	0.41
EV / EBITDA	N/A	15.31
FCF yield	N/A	1.66%

Profitability

Metric	NU	RCL
Gross margin	43.74%	46.64%
Operating margin	22.96%	27.32%
Net margin	18.15%	23.56%
ROE	25.29%	43.01%
ROIC	16.31%	14.90%

Dividends

Metric	NU	RCL
Dividend yield	N/A	1.64%
Payout ratio	N/A	31.79%

Growth (annualized)

Metric	NU	RCL
Revenue CAGR (5Y)	98.88%	188.60%
EPS CAGR (5Y)	N/A	9.81%
FCF CAGR (5Y)	N/A	11.57%
Total return CAGR (5Y)	N/A	32.71%

Frequently asked

Which has the lower trailing P/E, NU or RCL?: RCL has the lower trailing P/E: NU trades at 22.35 and RCL at 18.61. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, NU or RCL?: Over the past five years, RCL grew revenue faster — NU at a 98.88% CAGR versus RCL at 188.60%.
Does NU or RCL pay a bigger dividend?: RCL pays a dividend (1.64% yield), while NU has no payments in the available dividend history.
Is NU or RCL more profitable?: RCL runs the higher net margin — NU at 18.15% versus RCL at 23.56%.

Go deeper

Full NU analysis Full RCL analysis Interactive comparison tool

Dig into the metrics

Nu P/E ratio Royal Caribbean Cruises P/E ratio Nu dividend yield Royal Caribbean Cruises dividend yield Nu ROE Royal Caribbean Cruises ROE Nu operating margin Royal Caribbean Cruises operating margin Nu revenue growth Royal Caribbean Cruises revenue growth Nu free cash flow Royal Caribbean Cruises free cash flow

Nu & Royal Caribbean Cruises appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest 10-Year Total Return Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 28, 2026.