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Nu Holdings Ltd. (NU) vs U.S. Bancorp (USB)

Nu Holdings Ltd. and U.S. Bancorp are both Banks Regional companies. U.S. Bancorp is the larger, with a market value of $89.4B against $71.2B — 1.3× the size. U.S. Bancorp trades at the lower P/E: 11.3× against 19.7×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against 3.38%. Nu Holdings Ltd. has the higher net margin (18.7% vs 18.4%) and the higher return on invested capital (62.5% vs 9.44%). Across the 17 metrics below, Nu Holdings Ltd. leads on 9 and U.S. Bancorp on 8.

Valuation

Metric NU USB Banks Regional median
P/E 19.68 11.25 11.98
P/S 3.66 2.08 2.34
P/B 5.34 1.52 1.19
Price to free cash flow n/m 7.29 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.08% 8.89% 8.23%
Free cash flow yield (2.36%) 13.72% 9.08%

Profitability

Metric NU USB Banks Regional median
Gross margin 71.67% 68.73% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.65% 18.43% 18.66%
Free cash flow margin (8.63%) 0.00% 21.11%
Return on equity 31.60% 13.85% 10.65%
Return on assets 4.96% 1.16% 1.13%
Return on invested capital 62.53% 9.44% 8.35%

Growth

Metric NU USB Banks Regional median
Revenue growth (TTM) 50.52% 3.38% 6.98%
EPS growth (last fiscal year) 45.00% 21.90% 18.88%
Revenue growth, 5-year CAGR 84.54% 11.17% 12.38%
Net income growth, 5-year CAGR 0.00% 9.26% 9.71%

Health

Metric NU USB Banks Regional median
Debt to equity 0.35 0.78 0.22
Current ratio 0.55 0.83 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NU USB Banks Regional median
Dividend yield — 3.58% 2.57%
Payout ratio — 0.40 0.30

Size

Metric NU USB Banks Regional median
Market cap 71.15b 89.42b 913.33m

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