FCNCA vs. NU: First Citizens BancShares vs. Nu Holdings Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Nu Holdings (NU) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

First Citizens BancShares (FCNCA) has more than two decades of public-market history since October 22, 1986, whereas Nu Holdings (NU) listed on December 9, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Nu Holdings (NU) is heavily traded at around 80.53M shares per day, whereas First Citizens BancShares (FCNCA) is thinly traded at only 68.57K — larger orders in the latter may face more price impact or wider spreads, depending on market conditions.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Nu Holdings (NU) at 31.63% clears its industry range for ROE, a sharper capital-efficiency signal than First Citizens BancShares (FCNCA) at 10.98%, which is closer to a typical peer reading.

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while First Citizens BancShares (FCNCA) at 25.21% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for First Citizens BancShares (FCNCA) in Banks and Nu Holdings (NU) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Nu Holdings (NU) at 28.51% sits in the top revenue growth quartile, while First Citizens BancShares (FCNCA) at -2.61% is in the bottom quartile, showing a clear gap in revenue momentum.

Nu Holdings (NU) at 44.92% sits in the top EPS growth quartile, while First Citizens BancShares (FCNCA) at -12.76% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: First Citizens BancShares (FCNCA) in Banks and Nu Holdings (NU) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: First Citizens BancShares (FCNCA) in Banks and Nu Holdings (NU) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Nu Holdings (NU) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile First Citizens BancShares (FCNCA) reports a yield of 0.36%, ranking against industry peers normally.

Nu Holdings (NU) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile First Citizens BancShares (FCNCA) reports a payout of 4.31%, ranking against industry peers normally.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while Nu Holdings (NU) at 16.48 sits in the richer quartile — NU needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both First Citizens BancShares (FCNCA) in Banks and Nu Holdings (NU) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

First Citizens BancShares (FCNCA) at 1.29 sits near its industry’s typical P/B ratio, while Nu Holdings (NU) at 4.39 prices above its benchmark range — NU looks rich relative to book.

Valuation Metrics