Merchants Bancorp [MBIN] vs Nu Holdings [NU] Detailed Stock Comparison
Merchants Bancorp
NASDAQ
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Nu Holdings
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Merchants Bancorp wins in 8 metrics, Nu Holdings wins in 9 metrics, with 0 ties. Nu Holdings appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Merchants Bancorp | Nu Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 7.09 | 32.57 | Merchants Bancorp |
| Price-to-Book Ratio | 0.90 | 7.73 | Merchants Bancorp |
| Debt-to-Equity Ratio | 1.84 | 0.36 | Nu Holdings |
| PEG Ratio | -0.12 | 1.10 | Merchants Bancorp |
| Profit Margin (TTM) | 42.33% | 39.32% | Merchants Bancorp |
| Operating Margin (TTM) | 44.37% | 54.14% | Nu Holdings |
| EBITDA Margin (TTM) | 44.37% | 54.14% | Nu Holdings |
| Return on Equity | 12.43% | 27.88% | Nu Holdings |
| Return on Assets (TTM) | 1.36% | 4.28% | Nu Holdings |
| Free Cash Flow (TTM) | $-853.67M | $2.22B | Nu Holdings |
| Dividend Yield | 1.44% | N/A | N/A |
| 1-Year Return | -28.53% | 10.36% | Nu Holdings |
| Price-to-Sales Ratio (TTM) | 2.47 | 12.65 | Merchants Bancorp |
| Enterprise Value | $4.98B | $63.35B | Nu Holdings |
| EV/Revenue Ratio | 8.33 | 10.83 | Merchants Bancorp |
| Revenue per Share (TTM) | $13 | $1 | Merchants Bancorp |
| Earnings per Share (Diluted) | $4.54 | $0.47 | Merchants Bancorp |
| Beta (Stock Volatility) | 1.29 | 1.09 | Nu Holdings |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Merchants Bancorp vs Nu Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Merchants Bancorp | -0.47% | 0.85% | -2.37% | -8.14% | -3.90% | -10.92% |
| Nu Holdings | -1.63% | -5.50% | -0.59% | 13.25% | 55.66% | 42.33% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Merchants Bancorp | -28.53% | 35.43% | 123.48% | 186.34% | 186.34% | 186.34% |
| Nu Holdings | 10.36% | 267.23% | 27.68% | 27.68% | 27.68% | 27.68% |
News Based Sentiment: Merchants Bancorp vs Nu Holdings
Merchants Bancorp
News based Sentiment: NEGATIVE
Merchants Bancorp reported mixed Q2 2025 results, with a revenue beat overshadowed by a significant earnings miss and concerns about loan quality. The upcoming Q3 earnings release will be critical in determining whether the bank can address these challenges and improve its financial performance.
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: Merchants Bancorp vs Nu Holdings
| Metric | MBIN | NU |
|---|---|---|
| Market Information | ||
| Market Cap | $1.48B | $77.68B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 129,200 | 47,687,610 |
| 90 Day Avg. Volume | 177,427 | 47,656,550 |
| Last Close | $32.07 | $15.13 |
| 52 Week Range | $27.25 - $46.78 | $9.01 - $16.42 |
| % from 52W High | -31.45% | -7.88% |
| All-Time High | $53.27 (Jul 29, 2024) | $16.42 (Sep 23, 2025) |
| % from All-Time High | -39.80% | -7.86% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.16% | 0.14% |
| Quarterly Earnings Growth | -0.50% | 0.31% |
| Financial Health | ||
| Profit Margin (TTM) | 0.42% | 0.39% |
| Operating Margin (TTM) | 0.44% | 0.54% |
| Return on Equity (TTM) | 0.12% | 0.28% |
| Debt to Equity (MRQ) | 1.84 | 0.36 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.60 | $1.98 |
| Cash per Share (MRQ) | $23.35 | $2.92 |
| Operating Cash Flow (TTM) | $-475,739,008 | $-7,625,014,784 |
| Levered Free Cash Flow (TTM) | $283.65M | $1.97B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.44% | N/A |
| Last 12-Month Dividend | $0.48 | N/A |
Valuation & Enterprise Metrics Analysis: Merchants Bancorp vs Nu Holdings
| Metric | MBIN | NU |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 7.09 | 32.57 |
| Forward P/E | 5.79 | 24.69 |
| PEG Ratio | -0.12 | 1.10 |
| Price to Sales (TTM) | 2.47 | 12.65 |
| Price to Book (MRQ) | 0.90 | 7.73 |
| Market Capitalization | ||
| Market Capitalization | $1.48B | $77.68B |
| Enterprise Value | $4.98B | $63.35B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.33 | 10.83 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.29 | 1.09 |
| Book Value per Share (MRQ) | $35.60 | $1.98 |
Financial Statements Comparison: Merchants Bancorp 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) | MBIN | NU |
|---|---|---|
| Revenue/Sales | $145.09M | $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 | $76.50M | $795.07M |
| Income Tax | $18.26M | $237.87M |
| Net Income (Profit) | $58.24M | $557.21M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | MBIN | NU |
|---|---|---|
| Cash & Equivalents | $521.30M | $14.93B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $4.00B | $26.70M |
| Total Shareholders Equity | $2.16B | $8.61B |
| Retained Earnings | $1.37B | $4.03B |
| Property, Plant & Equipment | N/A | $46.08M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | MBIN | NU |
|---|---|---|
| Operating Cash Flow | $113.52M | $3.21B |
| Capital Expenditures | $-6.86M | $-2.40M |
| Free Cash Flow | $141.18M | $1.00B |
| Debt Repayment | $-59.02B | $-356.77M |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | MBIN | NU |
|---|---|---|
| Shares Short | 1.69M | 115.89M |
| Short Ratio | 8.94 | 2.03 |
| Short % of Float | 0.06% | 0.03% |
| Average Daily Volume (10 Day) | 129,200 | 47,687,610 |
| Average Daily Volume (90 Day) | 177,427 | 47,656,550 |
| Shares Outstanding | 45.77M | 4.82B |
| Float Shares | 29.30M | 3.61B |
| % Held by Insiders | 0.44% | 0.05% |
| % Held by Institutions | 0.34% | 0.80% |
Dividend Analysis & Yield Comparison: Merchants Bancorp vs Nu Holdings
| Metric | MBIN | NU |
|---|---|---|
| Last 12-Month Dividend | $0.48 | N/A |
| Last 12-Month Dividend Yield | 1.44% | N/A |
| 3-Year Avg Annual Dividend | $0.37 | N/A |
| 3-Year Avg Dividend Yield | 0.26% | N/A |
| 3-Year Total Dividends | $1.12 | N/A |
| Ex-Dividend Date | Sep 15, 2025 | N/A |