Pinnacle Financial [PNFP] vs Nu Holdings [NU] Detailed Stock Comparison

Pinnacle Financial Partners Inc.

NASDAQ
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Nu Holdings Ltd.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pinnacle Financial Partners Inc. wins in 9 metrics, Nu Holdings Ltd. wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Pinnacle Financial Partners Inc. Nu Holdings Ltd. Better
P/E Ratio (TTM) 12.22 25.60 Pinnacle Financial Partners Inc.
Price-to-Book Ratio 1.08 6.39 Pinnacle Financial Partners Inc.
Debt-to-Equity Ratio 0.88 0.47 Nu Holdings Ltd.
PEG Ratio 0.69 12.95 Pinnacle Financial Partners Inc.
Profit Margin (TTM) 24.66% 41.04% Nu Holdings Ltd.
Operating Margin (TTM) 46.89% 52.15% Nu Holdings Ltd.
EBITDA Margin (TTM) 46.89% 52.15% Nu Holdings Ltd.
Return on Equity 6.17% 30.28% Nu Holdings Ltd.
Return on Assets (TTM) 0.74% 4.60% Nu Holdings Ltd.
Free Cash Flow (TTM) $807.29M $3.16B Nu Holdings Ltd.
Dividend Yield 1.19% N/A N/A
1-Year Return -8.04% 9.33% Nu Holdings Ltd.
Price-to-Sales Ratio (TTM) 5.45 10.32 Pinnacle Financial Partners Inc.
Enterprise Value $15.32B $61.08B Nu Holdings Ltd.
EV/Revenue Ratio 5.79 8.74 Pinnacle Financial Partners Inc.
Revenue per Share (TTM) $28 $1 Pinnacle Financial Partners Inc.
Earnings per Share (Diluted) $7.84 $0.58 Pinnacle Financial Partners Inc.
Beta (Stock Volatility) 1.00 1.11 Pinnacle Financial Partners Inc.
Short % of Float 2.81% 3.57% Pinnacle Financial Partners Inc.

Pinnacle Financial Partners Inc. vs Nu Holdings Ltd. Stock Performance Analysis

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PNFP
NU

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pinnacle Financial Partners Inc.-2.97%-2.20%-1.41%4.01%3.90%1.36%
Nu Holdings Ltd.-2.43%-8.24%-15.89%-21.59%-32.37%-30.02%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pinnacle Financial Partners Inc.-8.04%81.94%7.54%98.09%582.07%241.15%
Nu Holdings Ltd.9.33%88.38%10.80%10.80%10.80%10.80%

Performance & Financial Health Analysis: Pinnacle Financial Partners Inc. vs Nu Holdings Ltd.

MetricPNFPNU
Market Information
Market Cap i$14.40B$70.28B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,453,16035,805,275
90 Day Avg. Volume i1,473,79748,322,045
Last Close$93.50$11.64
52 Week Range$81.08 - $120.46$11.20 - $18.98
% from 52W High-22.38%-38.67%
All-Time High$131.91 (Nov 25, 2024)$18.98 (Jan 29, 2026)
% from All-Time High-29.12%-38.67%
Growth Metrics
Quarterly Revenue Growth1.56%0.44%
Quarterly Earnings Growth0.07%0.62%
Financial Health
Profit Margin (TTM) i0.25%0.41%
Operating Margin (TTM) i0.47%0.52%
Return on Equity (TTM) i0.06%0.30%
Debt to Equity (MRQ) i0.880.47
Cash & Liquidity
Book Value per Share (MRQ)$88.71$2.33
Cash per Share (MRQ)$39.38$3.36
Operating Cash Flow (TTM) i$687.03M$-9,360,818,176
Levered Free Cash Flow (TTM) i$459.86M$2.87B
Dividends
Last 12-Month Dividend Yield i1.19%N/A
Last 12-Month Dividend i$1.22N/A

Valuation & Enterprise Metrics Analysis: Pinnacle Financial Partners Inc. vs Nu Holdings Ltd.

MetricPNFP (Apr 26, 2026)NU (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.2225.60
Forward P/E i8.1112.95
PEG Ratio i0.6912.95
Price to Sales (TTM) i5.4510.32
Price to Book (MRQ) i1.086.39
Market Capitalization
Market Capitalization i$14.40B$70.28B
Enterprise Value i$15.32B$61.08B
Enterprise Value Metrics
Enterprise to Revenue i5.798.74
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.001.11
Book Value per Share (MRQ) i$88.71$2.33

Financial Statements Comparison: Pinnacle Financial Partners 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

MetricPNFP (2024)NU (2025)
Revenue/Sales i1.52B10.63B
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 i581.21M3.87B
Pre-Tax Income % of Revenue i38.2%36.4%
Income Tax i106.15M996.75M
Income Tax % of Revenue i7.0%9.4%
Net Income (Profit) i475.06M2.87B
Profit Margin i31.2%27.0%

Balance Sheet & Liquidity Metrics

MetricPNFP (2024)NU (2025)
Cash & Equivalents i3.34B20.93B
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 i2.30B299.00M
Long-Term Debt % of Revenue i151.2%2.8%
Total Shareholders Equity i6.43B11.32B
Retained Earnings i3.18B6.41B
Retained Earnings % of Revenue i208.8%60.3%
Property, Plant & Equipment iN/A49.79M

Cash Flow Statement Comparison

MetricPNFP (2024)NU (2025)
Operating Cash Flow i687.03M2.44B
Operating Cash Flow % of Revenue i45.2%23.0%
Capital Expenditures i-94.52M-7.22M
Free Cash Flow i807.29M3.16B
FCF Margin i53.1%29.7%
Debt Repayment i-700.42M-539.46M
Common Stock Repurchase i-14.43MN/A

Short Interest & Institutional Ownership Analysis

MetricPNFPNU
Shares Short i4.19M135.40M
Short Ratio i2.822.26
Short % of Float i2.81%3.57%
Shares Outstanding i77.56M4.86B
Float Shares i148.36M3.63B
% Held by Insiders i1.38%5.61%
% Held by Institutions i48.66%85.71%
% Held by Public i49.96%8.68%

Dividend Analysis & Yield Comparison: Pinnacle Financial Partners Inc. vs Nu Holdings Ltd.

MetricPNFPNU
Last 12-Month Dividend i$1.22N/A
Last 12-Month Dividend Yield i1.19%N/A
3-Year Avg Annual Dividend i$1.00N/A
3-Year Avg Dividend Yield i0.29%N/A
3-Year Total Dividends i$3.00N/A
Ex-Dividend DateFeb 06, 2026N/A