Nu vs X Financial
NU and XYF side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NU and XYF compare
Nu grew revenue faster over the last twelve months (37.0% versus 30.1% for X Financial).
X Financial keeps more of each dollar of sales as profit, with a net margin of 19.2% compared with 18.2% at Nu.
X Financial scores higher on the StockData Score (11 against 7 for Nu), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NU | XYF |
|---|---|---|
| Size and price | ||
| Share price | $11.61 | $4.76 |
| Change, 1 year | −27.8% | −60.3% |
| Change, 5 years | – | 3.9% |
| Beta (5Y) | 1.30 | 0.72 |
| Employees | 1.6M | 643 |
| StockData Score | ||
| Total score | 7 | 11 (better) |
| Valuation score | 0 | 0 |
| Growth score | 2 | 4 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 0 | 0 |
| Growth | ||
| Revenue growth (TTM) | 37.0% (better) | 30.1% |
| Revenue growth, 5Y average | 84.5% (better) | 28.4% |
| Net income growth (TTM) | 45.5% (better) | −4.9% |
| EPS growth (TTM) | 44.9% (better) | 11.8% |
| EPS growth, 5Y average | −94.6% | – |
| Profitability | ||
| Gross margin | 42.0% | 73.6% (better) |
| Operating margin | – | 21.3% |
| Net margin | 18.2% | 19.2% (better) |
| FCF margin | – | 18.9% |
| Return on equity | 30.3% (better) | 19.8% |
| Return on invested capital | – | 20.0% |
| Financial health | ||
| Debt / equity | 0.39 | 0.05 (better) |
| Net debt / EBITDA | −1.24 | −0.35 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Payout ratio | – | 10.6% |
| Ownership | ||
| Held by institutions | 59.8% | 0.18% |
| Held by insiders | 19.9% | 28.9% |
| Insider net buying, 12 months | −$10.3M | −$942K (better) |
| Superinvestors holding | 6 | – |
| Short interest, % of float | 3.5% | – |
Go deeper
- NU stock overview
- NU income statement
- NU valuation and score
- XYF stock overview
- XYF income statement
- XYF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.