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

First Citizens BancShares Inc.

NASDAQ
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Nu Holdings Ltd.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Citizens BancShares Inc. wins in 7 metrics, Nu Holdings Ltd. wins in 11 metrics, with 0 ties. Nu Holdings Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Citizens BancShares Inc. Nu Holdings Ltd. Better
P/E Ratio (TTM) 12.42 25.60 First Citizens BancShares Inc.
Price-to-Book Ratio 1.20 6.39 First Citizens BancShares Inc.
Debt-to-Equity Ratio 1.71 0.47 Nu Holdings Ltd.
PEG Ratio -1.80 12.95 Nu Holdings Ltd.
Profit Margin (TTM) 24.41% 41.04% Nu Holdings Ltd.
Operating Margin (TTM) 37.58% 52.15% Nu Holdings Ltd.
EBITDA Margin (TTM) 37.58% 52.15% Nu Holdings Ltd.
Return on Equity 9.92% 30.28% Nu Holdings Ltd.
Return on Assets (TTM) 0.97% 4.60% Nu Holdings Ltd.
Free Cash Flow (TTM) $1.36B $3.16B Nu Holdings Ltd.
Dividend Yield 0.49% N/A N/A
1-Year Return 7.66% 9.33% Nu Holdings Ltd.
Price-to-Sales Ratio (TTM) 2.69 10.32 First Citizens BancShares Inc.
Enterprise Value $42.50B $61.08B Nu Holdings Ltd.
EV/Revenue Ratio 4.70 8.74 First Citizens BancShares Inc.
Revenue per Share (TTM) $695 $1 First Citizens BancShares Inc.
Earnings per Share (Diluted) $165.34 $0.58 First Citizens BancShares Inc.
Beta (Stock Volatility) 0.65 1.11 First Citizens BancShares Inc.
Short % of Float 6.19% 3.57% Nu Holdings Ltd.

First Citizens BancShares Inc. vs Nu Holdings Ltd. Stock Performance Analysis

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FCNCA
NU

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Citizens BancShares Inc.-2.07%-1.91%0.03%-0.92%0.87%-9.43%
Nu Holdings Ltd.-2.43%-10.67%-17.80%-21.14%-33.26%-31.61%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Citizens BancShares Inc.7.66%53.35%128.74%677.57%967.13%943.35%
Nu Holdings Ltd.9.33%88.38%10.80%10.80%10.80%10.80%

Performance & Financial Health Analysis: First Citizens BancShares Inc. vs Nu Holdings Ltd.

MetricFCNCANU
Market Information
Market Cap i$23.39B$70.28B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i68,65935,805,275
90 Day Avg. Volume i92,43648,322,045
Last Close$1,955.08$11.64
52 Week Range$1,623.76 - $2,232.21$11.20 - $18.98
% from 52W High-12.42%-38.67%
All-Time High$2,412.93 (Jan 20, 2025)$18.98 (Jan 29, 2026)
% from All-Time High-18.97%-38.67%
Growth Metrics
Quarterly Revenue Growth0.06%0.44%
Quarterly Earnings Growth-0.17%0.62%
Financial Health
Profit Margin (TTM) i0.24%0.41%
Operating Margin (TTM) i0.38%0.52%
Return on Equity (TTM) i0.10%0.30%
Debt to Equity (MRQ) i1.710.47
Cash & Liquidity
Book Value per Share (MRQ)$1,718.65$2.33
Cash per Share (MRQ)$1,790.04$3.36
Operating Cash Flow (TTM) i$2.92B$-9,360,818,176
Levered Free Cash Flow (TTM) i$2.15B$2.87B
Dividends
Last 12-Month Dividend Yield i0.49%N/A
Last 12-Month Dividend i$10.05N/A

Valuation & Enterprise Metrics Analysis: First Citizens BancShares Inc. vs Nu Holdings Ltd.

MetricFCNCA (Apr 24, 2026)NU (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4225.60
Forward P/E i10.1712.95
PEG Ratio i-1.8012.95
Price to Sales (TTM) i2.6910.32
Price to Book (MRQ) i1.206.39
Market Capitalization
Market Capitalization i$23.39B$70.28B
Enterprise Value i$42.50B$61.08B
Enterprise Value Metrics
Enterprise to Revenue i4.708.74
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.651.11
Book Value per Share (MRQ) i$1,718.65$2.33

Financial Statements Comparison: First Citizens BancShares Inc. vs Nu Holdings Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFCNCA (2025)NU (2025)
Revenue/Sales i9.25B10.63B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i2.97B3.87B
Pre-Tax Income % of Revenue i32.1%36.4%
Income Tax i765.00M996.75M
Income Tax % of Revenue i8.3%9.4%
Net Income (Profit) i2.21B2.87B
Profit Margin i23.8%27.0%

Balance Sheet & Liquidity Metrics

MetricFCNCA (2025)NU (2025)
Cash & Equivalents i20.60B20.93B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i36.11B299.00M
Long-Term Debt % of Revenue i390.3%2.8%
Total Shareholders Equity i22.24B11.32B
Retained Earnings i20.77B6.41B
Retained Earnings % of Revenue i224.5%60.3%
Property, Plant & Equipment i9.92B49.79M

Cash Flow Statement Comparison

MetricFCNCA (2025)NU (2025)
Operating Cash Flow i2.47B2.44B
Operating Cash Flow % of Revenue i26.7%23.0%
Capital Expenditures i-1.28B-7.22M
Free Cash Flow i1.36B3.16B
FCF Margin i14.7%29.7%
Debt Repayment i-2.85B-539.46M
Common Stock Repurchase i-3.03BN/A

Short Interest & Institutional Ownership Analysis

MetricFCNCANU
Shares Short i580,842135.40M
Short Ratio i5.242.26
Short % of Float i6.19%3.57%
Shares Outstanding i12.14M4.86B
Float Shares i8.47M3.63B
% Held by Insiders i24.18%5.61%
% Held by Institutions i68.08%85.71%
% Held by Public i7.74%8.68%

Dividend Analysis & Yield Comparison: First Citizens BancShares Inc. vs Nu Holdings Ltd.

MetricFCNCANU
Last 12-Month Dividend i$10.05N/A
Last 12-Month Dividend Yield i0.49%N/A
3-Year Avg Annual Dividend i$6.94N/A
3-Year Avg Dividend Yield i0.09%N/A
3-Year Total Dividends i$20.81N/A
Ex-Dividend DateFeb 27, 2026N/A