🔔Stock Alerts via Telegram — Free for All Users

Stock Comparison

NU vs PYPL

Nu Holdings Ltd vs PayPal Holdings Inc

The Verdict

NU takes this one.

Winner
NU

Nu Holdings Ltd

9.1

out of 10

Hidden Gem
PYPL

PayPal Holdings Inc

2.0

out of 10

Risk Trap

Head-to-Head

$84.9B

Market Cap

$47.4B
34.0

P/E Ratio

9.1
39.8%

Profit Margin

15.8%
27.8%

Return on Equity

25.9%
0.0

Debt-to-Equity

0.6
Moderate

Overall Risk

Aggressive
9.1

DVR Score

2.0

The Deep Dive

NU9.1/10

Nu Holdings (NU) maintains its high conviction rating, demonstrating continued strong execution and market leadership in Latin America's digital finance sector. Q4 2025 earnings significantly beat estimates with 62.5% YoY revenue growth and robust profitability, including an 18.19% net margin and 30.68% ROE. The company's strategic focus on financial inclusion, superior user experience, and expans...

Full NU Analysis
PYPL2.0/10

PayPal, despite its solid financial health (2025 FCF $5.6B, operating margin 18.7%), faces significant headwinds hindering any prospect of 10x growth within 3-5 years. The core 'branded checkout' TPV growth of 1% in Q4 2025, coupled with projected 2026 revenue growth of only 3% and EPS decline, is far from exponential. The sudden termination of CEO Chriss, withdrawal of 2027 guidance due to 'opera...

Full PYPL Analysis

Want More Comparisons?

Run any stock through our deep value analyzer.

Analyze Any Stock →

Not Financial Advice

This comparison is for educational purposes only. We are not financial advisors. Always do your own research and consult a qualified advisor before investing.