NU (NYSE:NU – Get Rating) is one of 72 publicly-traded companies in the “Nondepository credit institutions” industry, but how does it weigh in compared to its competitors? We will compare NU to related businesses based on the strength of its earnings, risk, analyst recommendations, dividends, institutional ownership, valuation and profitability.
Profitability
This table compares NU and its competitors’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NU | -7.61% | 2.13% | 0.38% |
| NU Competitors | -47.48% | 2.89% | -0.67% |
Analyst Recommendations
This is a summary of current recommendations and price targets for NU and its competitors, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NU | 0 | 1 | 6 | 0 | 2.86 |
| NU Competitors | 275 | 1236 | 1826 | 67 | 2.50 |
Earnings and Valuation
This table compares NU and its competitors gross revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| NU | $4.79 billion | -$364.58 million | -58.63 |
| NU Competitors | $3.77 billion | $623.79 million | -2.53 |
NU has higher revenue, but lower earnings than its competitors. NU is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Volatility & Risk
NU has a beta of 1.06, indicating that its stock price is 6% more volatile than the S&P 500. Comparatively, NU’s competitors have a beta of 6.15, indicating that their average stock price is 515% more volatile than the S&P 500.
Institutional & Insider Ownership
47.6% of NU shares are owned by institutional investors. Comparatively, 35.8% of shares of all “Nondepository credit institutions” companies are owned by institutional investors. 1.2% of NU shares are owned by company insiders. Comparatively, 21.3% of shares of all “Nondepository credit institutions” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Summary
NU beats its competitors on 7 of the 13 factors compared.
NU Company Profile
Nu Holdings Ltd. operates as a digital financial services platform and technology company primarily in Brazil, Mexico, and Colombia. It offers Nu credit and debit cards; Ultraviolet credit and debit cards; and mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones. The company provides savings solutions, such as Nu Personal Accounts, a digital account solution that supports all personal finance activities, from daily purchases and money transfers to savings; and Nu business accounts designed specifically for entrepreneur customers and their businesses. In addition, it offers NuInvest, an investment product that provides equity, fixed-income, options, and ETF products, as well as multimarket funds with curated asset allocations based on the customer's risk profile and financial position; personal unsecured loans; in-app ‘buy now pay later' solution for Nu card customers to pay credit and debit purchases, and banking payment slips over time in up to twelve installments; and NuInsurance protecting solutions to help its customers secure life insurance and funeral benefits. The company was founded in 2013 and is headquartered in Sao Paulo, Brazil.
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