First Citizens [FCNCA] vs Nu Holdings [NU] Detailed Stock Comparison

First Citizens

NASDAQ
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Nu Holdings

NYSE
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TLDR: Quick Comparison Summary

Based on 17 vital metrics comparison: First Citizens wins in 8 metrics, Nu Holdings wins in 9 metrics, with 0 ties. Nu Holdings appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricFirst CitizensNu HoldingsBetter
P/E Ratio (TTM)10.4132.57First Citizens
Price-to-Book Ratio1.087.73First Citizens
Debt-to-Equity Ratio1.800.36Nu Holdings
PEG Ratio-0.961.10First Citizens
Profit Margin (TTM)26.68%39.32%Nu Holdings
Operating Margin (TTM)37.51%54.14%Nu Holdings
EBITDA Margin (TTM)37.51%54.14%Nu Holdings
Return on Equity10.71%27.88%Nu Holdings
Return on Assets (TTM)1.07%4.28%Nu Holdings
Free Cash Flow (TTM)$1.45B$2.22BNu Holdings
1-Year Return-12.93%12.18%Nu Holdings
Price-to-Sales Ratio (TTM)2.5212.65First Citizens
Enterprise Value$35.83B$63.35BNu Holdings
EV/Revenue Ratio3.9910.83First Citizens
Revenue per Share (TTM)$652$1First Citizens
Earnings per Share (Diluted)$169.39$0.47First Citizens
Beta (Stock Volatility)0.601.09First Citizens
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

First Citizens vs Nu Holdings Stock Performance Analysis

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First Citizens
Nu Holdings
First Citizens Stock Overview | Nu Holdings Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Citizens-0.17%-2.12%-9.61%-15.32%9.56%-16.31%
Nu Holdings0.46%-3.57%1.05%15.12%58.23%44.68%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Citizens-12.93%106.99%347.29%662.96%841.26%938.10%
Nu Holdings12.18%273.30%29.79%29.79%29.79%29.79%

News Based Sentiment: First Citizens vs Nu Holdings

First Citizens

News based Sentiment: MIXED

October saw a blend of positive and negative developments for First Citizens BancShares. While the stock entered oversold territory and some institutions initiated positions, analyst price target reductions, driven by bankruptcy concerns and interest rate projections, created a more cautious outlook. The upcoming earnings report will be critical in clarifying the company's trajectory.

View First Citizens News Sentiment Analysis

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.

View Nu Holdings News Sentiment Analysis

Performance & Financial Health Analysis: First Citizens vs Nu Holdings

MetricFCNCANU
Market Information
Market Cap i$23.76B$77.68B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i196,52047,687,610
90 Day Avg. Volume i171,49347,656,550
Last Close$1,759.68$15.38
52 Week Range$1,473.62 - $2,412.93$9.01 - $16.42
% from 52W High-27.07%-6.36%
All-Time High$2,412.93 (Jan 20, 2025)$16.42 (Sep 23, 2025)
% from All-Time High-27.07%-6.33%
Growth Metrics
Quarterly Revenue Growth-0.05%0.14%
Quarterly Earnings Growth-0.19%0.31%
Financial Health
Profit Margin (TTM) i0.27%0.39%
Operating Margin (TTM) i0.38%0.54%
Return on Equity (TTM) i0.11%0.28%
Debt to Equity (MRQ) i1.800.36
Cash & Liquidity
Book Value per Share (MRQ)$1,637.74$1.98
Cash per Share (MRQ)$2,166.91$2.92
Operating Cash Flow (TTM) i$3.07B$-7,625,014,784
Levered Free Cash Flow (TTM) i$2.72B$1.97B
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/AN/A

Valuation & Enterprise Metrics Analysis: First Citizens vs Nu Holdings

MetricFCNCANU
Price Ratios
P/E Ratio (TTM) i10.4132.57
Forward P/E i10.8624.69
PEG Ratio i-0.961.10
Price to Sales (TTM) i2.5212.65
Price to Book (MRQ) i1.087.73
Market Capitalization
Market Capitalization i$23.76B$77.68B
Enterprise Value i$35.83B$63.35B
Enterprise Value Metrics
Enterprise to Revenue i3.9910.83
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.601.09
Book Value per Share (MRQ) i$1,637.74$1.98

Financial Statements Comparison: First Citizens vs Nu Holdings

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)FCNCANU
Revenue/Sales i$2.29B$2.25B
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$651.00M$795.07M
Income Tax i$168.00M$237.87M
Net Income (Profit) i$483.00M$557.21M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)FCNCANU
Cash & Equivalents i$25.50B$14.93B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$38.30B$26.70M
Total Shareholders Equity i$22.30B$8.61B
Retained Earnings i$19.80B$4.03B
Property, Plant & Equipment i$11.72B$46.08M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)FCNCANU
Operating Cash Flow i$754.00M$3.21B
Capital Expenditures i$-280.00M$-2.40M
Free Cash Flow i$518.00M$1.00B
Debt Repayment i$-351.00M$-356.77M
Common Stock Repurchase i$-613.00MN/A

Short Interest & Institutional Ownership Analysis

MetricFCNCANU
Shares Short i367,871115.89M
Short Ratio i2.532.03
Short % of Float i0.04%0.03%
Average Daily Volume (10 Day) i196,52047,687,610
Average Daily Volume (90 Day) i171,49347,656,550
Shares Outstanding i13.72M4.82B
Float Shares i9.65M3.61B
% Held by Insiders i0.22%0.05%
% Held by Institutions i0.70%0.80%

Dividend Analysis & Yield Comparison: First Citizens vs Nu Holdings

MetricFCNCANU
Last 12-Month Dividend iN/AN/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/AN/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends iN/AN/A
Ex-Dividend DateN/AN/A