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MARA vs. NU: A Head-to-Head Stock Comparison

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Here’s a clear look at MARA and NU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMARANU
Company NameMARA Holdings, Inc.Nu Holdings Ltd.
CountryUnited StatesBrazil
GICS SectorInformation TechnologyFinancials
GICS IndustrySoftwareBanks
Market Capitalization6.89 billion USD76.25 billion USD
ExchangeNasdaqCMNYSE
Listing DateMay 4, 2012December 9, 2021
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MARA and NU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MARA vs. NU: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMARANU
5-Day Price Return15.81%0.00%
13-Week Price Return18.54%16.69%
26-Week Price Return36.44%46.61%
52-Week Price Return14.73%15.43%
Month-to-Date Return1.92%8.18%
Year-to-Date Return10.97%54.54%
10-Day Avg. Volume73.40M47.26M
3-Month Avg. Volume52.66M59.09M
3-Month Volatility67.87%34.43%
Beta5.441.09

Profitability

Return on Equity (TTM)

MARA

17.52%

Software Industry

Max
66.28%
Q3
21.28%
Median
9.33%
Q1
-8.77%
Min
-48.16%

MARA’s Return on Equity of 17.52% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

NU

27.49%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

NU’s Return on Equity of 27.49% is exceptionally high, placing it well beyond the typical range for the Banks industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

MARA vs. NU: A comparison of their Return on Equity (TTM) against their respective Software and Banks industry benchmarks.

Net Profit Margin (TTM)

MARA

85.02%

Software Industry

Max
51.92%
Q3
19.23%
Median
6.98%
Q1
-7.14%
Min
-41.00%

MARA’s Net Profit Margin of 85.02% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

NU

17.90%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

Falling into the lower quartile for the Banks industry, NU’s Net Profit Margin of 17.90% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

MARA vs. NU: A comparison of their Net Profit Margin (TTM) against their respective Software and Banks industry benchmarks.

Operating Profit Margin (TTM)

MARA

40.16%

Software Industry

Max
60.40%
Q3
21.25%
Median
9.90%
Q1
-4.97%
Min
-43.50%

An Operating Profit Margin of 40.16% places MARA in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

NU

24.64%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

NU’s Operating Profit Margin of 24.64% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

MARA vs. NU: A comparison of their Operating Profit Margin (TTM) against their respective Software and Banks industry benchmarks.

Profitability at a Glance

SymbolMARANU
Return on Equity (TTM)17.52%27.49%
Return on Assets (TTM)11.06%4.27%
Net Profit Margin (TTM)85.02%17.90%
Operating Profit Margin (TTM)40.16%24.64%
Gross Profit Margin (TTM)-26.24%43.42%

Financial Strength

Current Ratio (MRQ)

MARA

0.54

Software Industry

Max
4.29
Q3
2.37
Median
1.40
Q1
1.03
Min
0.25

MARA’s Current Ratio of 0.54 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

NU

0.18

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MARA vs. NU: A comparison of their Current Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MARA

0.54

Software Industry

Max
2.16
Q3
0.86
Median
0.31
Q1
0.00
Min
0.00

MARA’s Debt-to-Equity Ratio of 0.54 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

NU

4.18

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

MARA vs. NU: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

MARA

10.78

Software Industry

Max
89.65
Q3
32.64
Median
1.00
Q1
-9.84
Min
-71.23

MARA’s Interest Coverage Ratio of 10.78 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

NU

-0.91

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

MARA vs. NU: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Banks industry benchmarks.

Financial Strength at a Glance

SymbolMARANU
Current Ratio (MRQ)0.540.18
Quick Ratio (MRQ)0.440.18
Debt-to-Equity Ratio (MRQ)0.544.18
Interest Coverage Ratio (TTM)10.78-0.91

Growth

Revenue Growth

MARA vs. NU: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MARA vs. NU: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MARA

0.00%

Software Industry

Max
0.22%
Q3
0.11%
Median
0.00%
Q1
0.00%
Min
0.00%

MARA currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

NU

0.00%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

NU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

MARA vs. NU: A comparison of their Dividend Yield (TTM) against their respective Software and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

MARA

0.00%

Software Industry

Max
3.29%
Q3
2.41%
Median
0.00%
Q1
0.00%
Min
0.00%

MARA has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

NU

0.00%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

NU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

MARA vs. NU: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Banks industry benchmarks.

Dividend at a Glance

SymbolMARANU
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

MARA

10.17

Software Industry

Max
145.74
Q3
94.88
Median
45.35
Q1
26.66
Min
8.80

In the lower quartile for the Software industry, MARA’s P/E Ratio of 10.17 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

NU

31.82

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

At 31.82, NU’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

MARA vs. NU: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

MARA

8.65

Software Industry

Max
25.67
Q3
13.68
Median
8.28
Q1
4.95
Min
0.90

MARA’s P/S Ratio of 8.65 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

NU

5.70

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

MARA vs. NU: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

MARA

1.15

Software Industry

Max
30.67
Q3
14.92
Median
8.52
Q1
3.89
Min
0.38

MARA’s P/B Ratio of 1.15 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

NU

6.90

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

At 6.90, NU’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

MARA vs. NU: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Banks industry benchmarks.

Valuation at a Glance

SymbolMARANU
Price-to-Earnings Ratio (TTM)10.1731.82
Price-to-Sales Ratio (TTM)8.655.70
Price-to-Book Ratio (MRQ)1.156.90
Price-to-Free Cash Flow Ratio (TTM)1,725.8815.37