FHN vs. NU: First Horizon vs. Nu Holdings Stock Comparison

Company Profile

First Horizon (FHN) and Nu Holdings (NU) both belong to the Banks industry, though FHN is classified under Regional Banks while NU falls under Diversified Banks.

First Horizon (FHN) has more than two decades of public-market history since March 17, 1980, 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Nu Holdings (NU) at 31.63% delivers above-range ROE, while First Horizon (FHN) at 7.92% falls into the bottom quartile — a wide split in profit generated from equity.

Nu Holdings (NU) at 42.73% keeps a top-quartile share of each sales dollar as profit, while First Horizon (FHN) at 23.43% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for First Horizon (FHN) 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 Horizon (FHN) at 7.33% is closer to the peer norm — faster top-line expansion for NU.

Both First Horizon (FHN) at 37.50% and Nu Holdings (NU) at 44.92% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: First Horizon (FHN) 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 Horizon (FHN) 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 Horizon (FHN) reports a yield of 2.85%, 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 Horizon (FHN) reports a payout of 47.48%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both First Horizon (FHN) at 16.58 and Nu Holdings (NU) at 16.48 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both First Horizon (FHN) 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 Horizon (FHN) at 1.34 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