Nu Holdings Ltd. (NU) vs The PNC Financial Services Group, Inc (PNC)

Nu Holdings Ltd. and The PNC Financial Services Group, Inc are both Banks Regional companies. The PNC Financial Services Group, Inc is the larger, with a market value of $89.1B against $65.9B — 1.4× the size. The PNC Financial Services Group, Inc trades at the lower P/E: 12.4× against 18.4×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against 5.20%. The PNC Financial Services Group, Inc has the higher net margin (20.4% vs 18.7%) and the lower return on invested capital (4.85% vs 62.5%). Across the 18 metrics below, Nu Holdings Ltd. leads on 9 and The PNC Financial Services Group, Inc on 9.

Valuation

Metric NU PNC Banks Regional median
P/E 18.36 12.41 12.15
P/S 3.41 2.55 2.37
P/B 4.98 1.42 1.21
Price to free cash flow n/m 12.14 10.80
EV/EBITDA 70.20 n/m —
EV/Sales 2.95 4.15 2.27
Earnings yield 5.45% 8.06% 8.11%
Free cash flow yield (2.53%) 8.23% 8.98%

Profitability

Metric NU PNC Banks Regional median
Gross margin 71.67% 70.25% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.65% 20.38% 18.66%
Free cash flow margin (8.63%) 21.02% 21.18%
Return on equity 31.60% 11.93% 10.64%
Return on assets 4.96% 1.24% 1.13%
Return on invested capital 62.53% 4.85% 8.33%

Growth

Metric NU PNC Banks Regional median
Revenue growth (TTM) 50.52% 5.20% 6.61%
EPS growth (last fiscal year) 45.00% 20.74% —
Revenue growth, 5-year CAGR 84.54% 13.23% 12.30%
Net income growth, 5-year CAGR 0.00% 19.35% 9.71%

Health

Metric NU PNC Banks Regional median
Debt to equity 0.35 1.34 0.22
Current ratio 0.55 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NU PNC Banks Regional median
Dividend yield — 4.25% 3.75%
Payout ratio 0.00 0.41 0.27

Size

Metric NU PNC Banks Regional median
Market cap 65.90b 89.10b 921.07m

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