COMP <GO>
NU vs AXP // NET PROFIT MARGIN
Nu Holdings Ltd. (Class A) (NYSE) VS. American Express Company (NYSE) • 15-METRIC TALLY: NU 2
— AXP 9
▲ NET PROFIT MARGIN LEADER: AXP
LAST: $12.05 (+0.67%) • MKT CAP: $58.51B
net-margins
10.90%
LAST: $323.71 (+1.82%) • MKT CAP: $217.06B
net-margins
26.20%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NU VS. AXP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NU | AXP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.90% | 9.50% | +0.40 | NU | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.0x | 19.2x | +1.80 | AXP | /valuation <GO> |
| Free Cash Flow Yield | 2.21% | 7.37% | -5.16 | AXP | /fcf-yield <GO> |
| Operating Margin | 13.90% | 32.00% | -18.10 | AXP | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 10.90% | 26.20% | -15.30 | AXP | /net-margins <GO> |
| Revenue Growth (YoY) | 4.40% | 6.40% | -2.00 | AXP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.05% | -1.05 | AXP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 35.5 | 58.0 | -22.50 | AXP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.03 | 0.95 | +0.08 | NU | /macro-sensitivity <GO> |
| Forward P/E Multiple | 30.5x | 18.6x | +11.90 | AXP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $58.51B | $217.06B | -$158.55B | AXP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NU REV | AXP REV | NU GROSS % | AXP GROSS % | NU FCF | AXP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $41.30B | — | — | — | $16.00B |
| FY 2024 | — | $38.83B | — | — | — | $12.14B |
| FY 2023 | — | $37.22B | — | — | — | $16.88B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NU // BETA 1.03
AXP // BETA 0.95