COMP <GO>
NU vs RKT // NET PROFIT MARGIN
Nu Holdings Ltd. (Class A) (NYSE) VS. Rocket Companies Inc. (NYSE) • 15-METRIC TALLY: NU 6
— RKT 4
▲ NET PROFIT MARGIN LEADER: NU
LAST: $11.62 (+0.09%) • MKT CAP: $56.37B
net-margins
10.90%
LAST: $13.77 (+7.58%) • MKT CAP: $36.25B
net-margins
-0.70%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NU VS. RKT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NU | RKT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.90% | -0.20% | +10.10 | NU | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.0x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.21% | -11.90% | +14.11 | NU | /fcf-yield <GO> |
| Operating Margin | 13.90% | -0.90% | +14.80 | NU | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 10.90% | -0.70% | +11.60 | NU | /net-margins <GO> |
| Revenue Growth (YoY) | 4.40% | 22.00% | -17.60 | RKT | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 4/9 | +4.00 | NU | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 32.9 | 59.2 | -26.30 | RKT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.03 | 1.11 | -0.08 | RKT | /macro-sensitivity <GO> |
| Forward P/E Multiple | 30.5x | 21.0x | +9.50 | RKT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $56.37B | $36.25B | $20.13B | NU | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NU REV | RKT REV | NU GROSS % | RKT GROSS % | NU FCF | RKT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $224.7M | — | — | — | -$4.02B |
| FY 2024 | — | $3.82B | — | — | — | -$2.70B |
| FY 2023 | — | $52.9M | — | — | — | $111.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NU // BETA 1.03
RKT // BETA 1.11