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Lloyds Banking Group PLC (LYG) vs Nu Holdings Ltd. (NU)

Lloyds Banking Group PLC and Nu Holdings Ltd. are both Banks Regional companies. Lloyds Banking Group PLC is the larger, with a market value of $78.4B against $71.2B — 1.1× the size. Lloyds Banking Group PLC trades at the lower P/E: 15.5× against 19.7×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against −42.6%. Lloyds Banking Group PLC has the higher net margin (55.0% vs 18.7%) and the lower return on invested capital (0.00% vs 62.5%). Across the 17 metrics below, Nu Holdings Ltd. leads on 9 and Lloyds Banking Group PLC on 8.

Valuation

Metric LYG NU Banks Regional median
P/E 15.46 19.68 11.98
P/S 7.08 3.66 2.34
P/B 1.27 5.34 1.19
Price to free cash flow 2.12 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.47% 5.08% 8.23%
Free cash flow yield 47.23% (2.36%) 9.08%

Profitability

Metric LYG NU Banks Regional median
Gross margin 66.28% 71.67% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 55.01% 18.65% 18.66%
Free cash flow margin 0.00% (8.63%) 21.11%
Return on equity 0.00% 31.60% 10.65%
Return on assets 0.00% 4.96% 1.13%
Return on invested capital 0.00% 62.53% 8.35%

Growth

Metric LYG NU Banks Regional median
Revenue growth (TTM) (42.59%) 50.52% 6.98%
EPS growth (last fiscal year) (10.00%) 45.00% 18.88%
Revenue growth, 5-year CAGR 3.00% 84.54% 12.38%
Net income growth, 5-year CAGR 37.87% 0.00% 9.71%

Health

Metric LYG NU Banks Regional median
Debt to equity 2.12 0.35 0.22
Current ratio 1.52 0.55 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LYG NU Banks Regional median
Dividend yield 3.91% — 2.57%
Payout ratio 0.60 — 0.30

Size

Metric LYG NU Banks Regional median
Market cap 78.41b 71.15b 913.33m

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