COMP <GO>
NU vs JPM // RETURN ON INVESTED CAPITAL (ROIC)
Nu Holdings Ltd. (Class A) (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: NU 3
— JPM 9
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: JPM
LAST: $12.05 (+0.67%) • MKT CAP: $58.51B
roic
9.90%
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
roic
17.37%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NU VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NU | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 9.90% | 17.37% | -7.47 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.0x | 9.7x | +11.33 | JPM | /valuation <GO> |
| Free Cash Flow Yield | 2.21% | -18.14% | +20.35 | NU | /fcf-yield <GO> |
| Operating Margin | 13.90% | 42.07% | -28.17 | JPM | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 32.63% | -21.73 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 4.40% | 13.53% | -9.13 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 2/9 | +6.00 | NU | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 35.5 | 55.1 | -19.60 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.03 | 1.00 | +0.03 | NU | /macro-sensitivity <GO> |
| Forward P/E Multiple | 30.5x | 13.6x | +16.93 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $58.51B | $913.30B | -$854.79B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NU REV | JPM REV | NU GROSS % | JPM GROSS % | NU FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $182.45B | — | — | — | -$147.78B |
| FY 2024 | — | $177.56B | — | — | — | -$42.01B |
| FY 2023 | — | $158.10B | — | — | — | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NU // BETA 1.03
JPM // BETA 1.00