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Fifth Third Bancorp (FITB) vs Nu Holdings Ltd. (NU)

Fifth Third Bancorp and Nu Holdings Ltd. are both Banks Regional companies. Nu Holdings Ltd. is the larger, with a market value of $56.7B against $48.3B — 1.2× the size. Nu Holdings Ltd. trades at the lower P/E: 16.0× against 18.1×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against 24.5%. Nu Holdings Ltd. has the higher net margin (18.7% vs 15.0%) and the higher return on invested capital (62.5% vs 7.32%). Across the 17 metrics below, Nu Holdings Ltd. leads on 11 and Fifth Third Bancorp on 6.

Valuation

Metric FITB NU Banks Regional median
P/E 18.09 15.97 12.02
P/S 3.04 2.97 2.36
P/B 1.57 4.33 1.23
Price to free cash flow 18.30 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.53% 6.26% 8.21%
Free cash flow yield 5.47% (2.91%) 9.23%

Profitability

Metric FITB NU Banks Regional median
Gross margin 72.89% 71.67% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.04% 18.65% 18.82%
Free cash flow margin 16.57% (8.63%) 17.97%
Return on equity 9.59% 31.60% 10.28%
Return on assets 0.94% 4.96% 1.13%
Return on invested capital 7.32% 62.53% 8.45%

Growth

Metric FITB NU Banks Regional median
Revenue growth (TTM) 24.45% 50.52% 6.37%
EPS growth (last fiscal year) 12.42% 45.00% 18.85%
Revenue growth, 5-year CAGR 9.02% 84.54% 12.65%
Net income growth, 5-year CAGR 12.42% 0.00% 9.81%

Health

Metric FITB NU Banks Regional median
Debt to equity 0.51 0.35 0.17
Current ratio 0.82 0.55 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FITB NU Banks Regional median
Dividend yield 3.03% — 2.49%
Payout ratio 0.55 — 0.29

Size

Metric FITB NU Banks Regional median
Market cap 48.30b 56.71b 934.85m

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