Pathward Financial [CASH] vs Nu Holdings [NU] Detailed Stock Comparison
Pathward Financial
NASDAQ
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Nu Holdings
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Pathward Financial wins in 8 metrics, Nu Holdings wins in 8 metrics, with 1 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | Pathward Financial | Nu Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.61 | 32.57 | Pathward Financial |
| Price-to-Book Ratio | 2.06 | 7.73 | Pathward Financial |
| Debt-to-Equity Ratio | 0.21 | 0.36 | Pathward Financial |
| PEG Ratio | 1.10 | 1.10 | Tie |
| Profit Margin (TTM) | 22.63% | 39.32% | Nu Holdings |
| Operating Margin (TTM) | 26.29% | 54.14% | Nu Holdings |
| EBITDA Margin (TTM) | 26.29% | 54.14% | Nu Holdings |
| Return on Equity | 21.09% | 27.88% | Nu Holdings |
| Return on Assets (TTM) | 2.26% | 4.28% | Nu Holdings |
| Free Cash Flow (TTM) | $212.05M | $2.22B | Nu Holdings |
| Dividend Yield | 0.31% | N/A | N/A |
| 1-Year Return | 0.04% | 12.18% | Nu Holdings |
| Price-to-Sales Ratio (TTM) | 2.29 | 12.65 | Pathward Financial |
| Enterprise Value | $1.59B | $63.35B | Nu Holdings |
| EV/Revenue Ratio | 2.17 | 10.83 | Pathward Financial |
| Revenue per Share (TTM) | $31 | $1 | Pathward Financial |
| Earnings per Share (Diluted) | $6.94 | $0.47 | Pathward Financial |
| Beta (Stock Volatility) | 0.62 | 1.09 | Pathward Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Pathward Financial vs Nu Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pathward Financial | 0.46% | -1.19% | -3.73% | -10.77% | 9.40% | 2.05% |
| Nu Holdings | 0.46% | -3.57% | 1.05% | 15.12% | 58.23% | 44.68% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pathward Financial | 0.04% | 97.07% | 218.83% | 441.33% | 1,070.89% | 1,069.04% |
| Nu Holdings | 12.18% | 273.30% | 29.79% | 29.79% | 29.79% | 29.79% |
News Based Sentiment: Pathward Financial vs Nu Holdings
Pathward Financial
News based Sentiment: MIXED
October was a mixed month for Pathward, with positive financial results and strategic partnerships offset by a Nasdaq deficiency notice and rising expenses. The company's strong stock performance and future EPS target suggest optimism, but the compliance issues create uncertainty for investors.
Nu Holdings
News based Sentiment: POSITIVE
Nu Holdings is demonstrating strong financial performance and ambitious growth plans, including expansion into the U.S. market. While there's some market volatility and valuation concerns, positive analyst ratings and strong financial health metrics suggest a generally positive outlook for the company.
Performance & Financial Health Analysis: Pathward Financial vs Nu Holdings
| Metric | CASH | NU |
|---|---|---|
| Market Information | ||
| Market Cap | $1.73B | $77.68B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 163,055 | 47,687,610 |
| 90 Day Avg. Volume | 174,018 | 47,656,550 |
| Last Close | $74.00 | $15.38 |
| 52 Week Range | $64.45 - $86.00 | $9.01 - $16.42 |
| % from 52W High | -13.95% | -6.36% |
| All-Time High | $86.00 (Nov 25, 2024) | $16.42 (Sep 23, 2025) |
| % from All-Time High | -13.95% | -6.33% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.14% |
| Quarterly Earnings Growth | -0.06% | 0.31% |
| Financial Health | ||
| Profit Margin (TTM) | 0.23% | 0.39% |
| Operating Margin (TTM) | 0.26% | 0.54% |
| Return on Equity (TTM) | 0.21% | 0.28% |
| Debt to Equity (MRQ) | 0.21 | 0.36 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.68 | $1.98 |
| Cash per Share (MRQ) | $11.34 | $2.92 |
| Operating Cash Flow (TTM) | $254.80M | $-7,625,014,784 |
| Levered Free Cash Flow (TTM) | $181.54M | $1.97B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.31% | N/A |
| Last 12-Month Dividend | $0.25 | N/A |
Valuation & Enterprise Metrics Analysis: Pathward Financial vs Nu Holdings
| Metric | CASH | NU |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.61 | 32.57 |
| Forward P/E | 8.87 | 24.69 |
| PEG Ratio | 1.10 | 1.10 |
| Price to Sales (TTM) | 2.29 | 12.65 |
| Price to Book (MRQ) | 2.06 | 7.73 |
| Market Capitalization | ||
| Market Capitalization | $1.73B | $77.68B |
| Enterprise Value | $1.59B | $63.35B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.17 | 10.83 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.62 | 1.09 |
| Book Value per Share (MRQ) | $35.68 | $1.98 |
Financial Statements Comparison: Pathward Financial vs Nu Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | CASH | NU |
|---|---|---|
| Revenue/Sales | $156.81M | $2.25B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $47.16M | $795.07M |
| Income Tax | $4.80M | $237.87M |
| Net Income (Profit) | $42.36M | $557.21M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CASH | NU |
|---|---|---|
| Cash & Equivalents | $254.25M | $14.93B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $33.41M | $26.70M |
| Total Shareholders Equity | $814.05M | $8.61B |
| Retained Earnings | $341.78M | $4.03B |
| Property, Plant & Equipment | $366.15M | $46.08M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CASH | NU |
|---|---|---|
| Operating Cash Flow | $121.68M | $3.21B |
| Capital Expenditures | $-34.94M | $-2.40M |
| Free Cash Flow | $150.43M | $1.00B |
| Debt Repayment | N/A | $-356.77M |
| Common Stock Repurchase | $-45.44M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | CASH | NU |
|---|---|---|
| Shares Short | 1.31M | 115.89M |
| Short Ratio | 9.42 | 2.03 |
| Short % of Float | 0.07% | 0.03% |
| Average Daily Volume (10 Day) | 163,055 | 47,687,610 |
| Average Daily Volume (90 Day) | 174,018 | 47,656,550 |
| Shares Outstanding | 24.85M | 4.82B |
| Float Shares | 22.48M | 3.61B |
| % Held by Insiders | 0.01% | 0.05% |
| % Held by Institutions | 0.95% | 0.80% |
Dividend Analysis & Yield Comparison: Pathward Financial vs Nu Holdings
| Metric | CASH | NU |
|---|---|---|
| Last 12-Month Dividend | $0.25 | N/A |
| Last 12-Month Dividend Yield | 0.31% | N/A |
| 3-Year Avg Annual Dividend | $0.22 | N/A |
| 3-Year Avg Dividend Yield | 0.09% | N/A |
| 3-Year Total Dividends | $0.65 | N/A |
| Ex-Dividend Date | Sep 10, 2025 | N/A |