Deutsche Bank Aktiengesellschaft (DB) vs Nu Holdings Ltd. (NU)

Deutsche Bank Aktiengesellschaft and Nu Holdings Ltd. are both Banks Regional companies. Deutsche Bank Aktiengesellschaft and Nu Holdings Ltd. are of similar size ($67.4B and $65.9B). Deutsche Bank Aktiengesellschaft trades at the lower P/E: 8.5× against 18.4×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against −0.57%. Nu Holdings Ltd. has the higher net margin (18.7% vs 9.99%) and the higher return on invested capital (62.5% vs 0.00%). Across the 18 metrics below, Deutsche Bank Aktiengesellschaft leads on 10 and Nu Holdings Ltd. on 8.

Valuation

Metric DB NU Banks Regional median
P/E 8.51 18.36 12.15
P/S 1.00 3.41 2.37
P/B 0.73 4.98 1.21
Price to free cash flow 1.21 n/m 10.80
EV/EBITDA n/m 70.20 —
EV/Sales (3.17) 2.95 2.27
Earnings yield 11.75% 5.45% 8.11%
Free cash flow yield 82.44% (2.53%) 8.98%

Profitability

Metric DB NU Banks Regional median
Gross margin 53.63% 71.67% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.99% 18.65% 18.66%
Free cash flow margin 82.71% (8.63%) 21.18%
Return on equity 7.44% 31.60% 10.64%
Return on assets 0.41% 4.96% 1.13%
Return on invested capital 0.00% 62.53% 8.33%

Growth

Metric DB NU Banks Regional median
Revenue growth (TTM) (0.57%) 50.52% 6.61%
EPS growth (last fiscal year) 136.49% 45.00% —
Revenue growth, 5-year CAGR 14.41% 84.54% 12.30%
Net income growth, 5-year CAGR 64.34% 0.00% 9.71%

Health

Metric DB NU Banks Regional median
Debt to equity 1.35 0.35 0.22
Current ratio 0.72 0.55 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric DB NU Banks Regional median
Dividend yield 5.75% — 3.75%
Payout ratio 0.13 0.00 0.27

Size

Metric DB NU Banks Regional median
Market cap 67.35b 65.90b 921.07m

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