Nu Holdings Ltd (NU)vsRoyal Bank of Canada (RY)
NU
Nu Holdings Ltd
$14.04
-3.17%
FINANCIAL SERVICES · Cap: $70.53B
RY
Royal Bank of Canada
$179.97
+2.71%
FINANCIAL SERVICES · Cap: $243.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 807% more annual revenue ($63.42B vs $6.99B). NU leads profitability with a 41.0% profit margin vs 33.1%. NU appears more attractively valued with a PEG of 0.85. NU earns a higher WallStSmart Score of 79/100 (B+).
NU
Strong Buy79
out of 100
Grade: B+
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 30 in profit
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Revenue surging 43.9% year-over-year
Earnings expanding 60.9% YoY
Large-cap with strong market position
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Moderate valuation
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : NU
The strongest argument for NU centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 41.0% and operating margin at 52.1%. Revenue growth of 43.9% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : NU
The primary concerns for NU are P/E Ratio, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
NU profiles as a growth stock while RY is a mature play — different risk/reward profiles.
NU carries more volatility with a beta of 1.11 — expect wider price swings.
NU is growing revenue faster at 43.9% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
NU scores higher overall (79/100 vs 68/100), backed by strong 41.0% margins and 43.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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