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 9 metrics, Nu Holdings wins in 8 metrics, with 0 ties. First Citizens appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | First Citizens | Nu Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.22 | 28.36 | First Citizens |
| Price-to-Book Ratio | 1.16 | 6.73 | First Citizens |
| Debt-to-Equity Ratio | 1.80 | 0.36 | Nu Holdings |
| PEG Ratio | -1.03 | 0.96 | First 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 Equity | 10.71% | 27.88% | Nu Holdings |
| Return on Assets (TTM) | 1.07% | 4.28% | Nu Holdings |
| Free Cash Flow (TTM) | $1.45B | $2.22B | Nu Holdings |
| 1-Year Return | -1.34% | -5.20% | First Citizens |
| Price-to-Sales Ratio (TTM) | 2.70 | 11.01 | First Citizens |
| Enterprise Value | $37.63B | $52.67B | Nu Holdings |
| EV/Revenue Ratio | 4.19 | 9.01 | First Citizens |
| Revenue per Share (TTM) | $652 | $1 | First Citizens |
| Earnings per Share (Diluted) | $169.42 | $0.47 | First Citizens |
| Beta (Stock Volatility) | 0.64 | 1.06 | First Citizens |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
First Citizens vs Nu Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| First Citizens | 2.60% | 6.23% | -6.86% | 7.98% | -1.83% | -5.45% |
| Nu Holdings | 1.98% | 13.82% | 6.05% | 14.01% | 26.34% | 28.60% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| First Citizens | -1.34% | 144.29% | 394.71% | 733.19% | 1,049.73% | 1,114.19% |
| Nu Holdings | -5.20% | 176.72% | 15.36% | 15.36% | 15.36% | 15.36% |
Performance & Financial Health Analysis: First Citizens vs Nu Holdings
| Metric | FCNCA | NU |
|---|---|---|
| Market Information | ||
| Market Cap | $24.29B | $64.42B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 166,040 | 51,822,304 |
| 90 Day Avg. Volume | 114,800 | 59,988,601 |
| Last Close | $1,987.99 | $13.94 |
| 52 Week Range | $1,473.62 - $2,412.93 | $9.01 - $16.15 |
| % from 52W High | -17.61% | -13.66% |
| All-Time High | $2,412.93 (Jan 20, 2025) | $16.15 (Nov 11, 2024) |
| % from All-Time High | -17.61% | -13.68% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.05% | 0.14% |
| Quarterly Earnings Growth | -0.19% | 0.31% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.39% |
| Operating Margin (TTM) | 0.38% | 0.54% |
| Return on Equity (TTM) | 0.11% | 0.28% |
| Debt to Equity (MRQ) | 1.80 | 0.36 |
| 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) | $3.07B | $-7,625,014,784 |
| Levered Free Cash Flow (TTM) | $2.72B | $1.97B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: First Citizens vs Nu Holdings
| Metric | FCNCA | NU |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.22 | 28.36 |
| Forward P/E | 11.71 | 21.50 |
| PEG Ratio | -1.03 | 0.96 |
| Price to Sales (TTM) | 2.70 | 11.01 |
| Price to Book (MRQ) | 1.16 | 6.73 |
| Market Capitalization | ||
| Market Capitalization | $24.29B | $64.42B |
| Enterprise Value | $37.63B | $52.67B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.19 | 9.01 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.64 | 1.06 |
| Book Value per Share (MRQ) | $1,637.74 | $1.98 |
Financial Statements Comparison: First Citizens 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) | FCNCA | NU |
|---|---|---|
| Revenue/Sales | $2.29B | $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 | $651.00M | $795.07M |
| Income Tax | $168.00M | $237.87M |
| Net Income (Profit) | $483.00M | $557.21M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | FCNCA | NU |
|---|---|---|
| Cash & Equivalents | $25.50B | $14.93B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $38.30B | $26.70M |
| Total Shareholders Equity | $22.30B | $8.61B |
| Retained Earnings | $19.80B | $4.03B |
| Property, Plant & Equipment | $11.72B | $46.08M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | FCNCA | NU |
|---|---|---|
| Operating Cash Flow | $754.00M | $3.21B |
| Capital Expenditures | $-280.00M | $-2.40M |
| Free Cash Flow | $518.00M | $1.00B |
| Debt Repayment | $-351.00M | $-356.77M |
| Common Stock Repurchase | $-613.00M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | FCNCA | NU |
|---|---|---|
| Shares Short | 406,833 | 118.73M |
| Short Ratio | 5.18 | 1.76 |
| Short % of Float | 0.05% | 0.03% |
| Average Daily Volume (10 Day) | 166,040 | 51,822,304 |
| Average Daily Volume (90 Day) | 114,800 | 59,988,601 |
| Shares Outstanding | 13.72M | 4.82B |
| Float Shares | 10.61M | 3.61B |
| % Held by Insiders | 0.22% | 0.05% |
| % Held by Institutions | 0.69% | 0.79% |
Dividend Analysis & Yield Comparison: First Citizens vs Nu Holdings
| Metric | FCNCA | NU |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |