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Nu Holdings Ltd. (NU) vs Truist Financial Corporation (TFC)

Nu Holdings Ltd. and Truist Financial Corporation are both Banks Regional companies. Nu Holdings Ltd. and Truist Financial Corporation are of similar size ($59.7B and $56.7B). Truist Financial Corporation trades at the lower P/E: 12.7× against 16.0×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against −5.37%. Nu Holdings Ltd. has the higher net margin (18.7% vs 16.9%) and the higher return on invested capital (62.5% vs 6.19%). Across the 17 metrics below, Nu Holdings Ltd. leads on 9 and Truist Financial Corporation on 8.

Valuation

Metric NU TFC Banks Regional median
P/E 15.97 12.72 12.02
P/S 2.97 2.10 2.36
P/B 4.33 1.08 1.23
Price to free cash flow n/m 13.25 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.26% 7.86% 8.21%
Free cash flow yield (2.91%) 7.55% 9.23%

Profitability

Metric NU TFC Banks Regional median
Gross margin 71.67% 67.41% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.65% 16.91% 18.82%
Free cash flow margin (8.63%) 21.06% 17.97%
Return on equity 31.60% 8.41% 10.28%
Return on assets 4.96% 0.89% 1.13%
Return on invested capital 62.53% 6.19% 8.45%

Growth

Metric NU TFC Banks Regional median
Revenue growth (TTM) 50.52% (5.37%) 6.37%
EPS growth (last fiscal year) 45.00% 13.69% 18.85%
Revenue growth, 5-year CAGR 84.54% 4.50% 12.65%
Net income growth, 5-year CAGR 0.00% 3.52% 9.81%

Health

Metric NU TFC Banks Regional median
Debt to equity 0.35 0.87 0.17
Current ratio 0.55 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NU TFC Banks Regional median
Dividend yield — 4.16% 2.49%
Payout ratio — 0.54 0.29

Size

Metric NU TFC Banks Regional median
Market cap 56.71b 59.73b 934.85m

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