Is NU or NWG more undervalued in 2026?

CirclFi compares Nu Holdings Ltd. (NU) and NatWest Group plc (NWG) using 13 institutional-grade valuation models. NU has a Quality of Company score of 7.7/10 while NWG scores 7.6/10.

Which is a better buy — NU or NWG?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do NU and NWG valuations compare?

NU at $13.05 and NWG at $15.83 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NU vs NWG Valuation Comparison 2026 — Intrinsic Value Analysis

NU

Banks - Regional

Nu Holdings Ltd.

Quality

7.7

out of 10

Value Trap

SAFE

Price

$13.05

Last close

Models

12/13

Active

NWG

Banks - Regional

NatWest Group plc

Quality

7.6

out of 10

Value Trap

SAFE

Price

$15.83

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	NU Fair Value	NU Upside	NWG Fair Value	NWG Upside
Bayesian DCF	Intrinsic	$3.37	-74.2%	$68.56	+333.1%
Earnings Power Value	Intrinsic	$7.12	-45.4%	$76.02	+380.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for NU vs NWG — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

NU vs NWG — Which Stock Is More Undervalued?

NU scores higher with a 7.7/10 quality rating vs NWG's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Nu Holdings Ltd. (NU) and NatWest Group plc (NWG) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

NU currently trades at $13.05 with a QOC of 7.7/10, while NWG trades at $15.83 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).