Nu Holdings Ltd (NU)vsWells Fargo & Company (WFC)
NU
Nu Holdings Ltd
$11.62
-1.24%
FINANCIAL SERVICES · Cap: $57.85B
WFC
Wells Fargo & Company
$81.94
+1.61%
FINANCIAL SERVICES · Cap: $236.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 968% more annual revenue ($81.14B vs $7.59B). NU leads profitability with a 41.9% profit margin vs 26.7%. NU appears more attractively valued with a PEG of 0.70. NU earns a higher WallStSmart Score of 84/100 (A-).
NU
Exceptional Buy84
out of 100
Grade: A-
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 48.2%
Revenue surging 43.7% year-over-year
Earnings expanding 55.9% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : NU
The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 41.9% and operating margin at 48.2%. Revenue growth of 43.7% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : NU
The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
NU profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.96 — expect wider price swings.
NU is growing revenue faster at 43.7% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
NU scores higher overall (84/100 vs 74/100), backed by strong 41.9% margins and 43.7% revenue growth. Both earn "Exceptional 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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