AXP vs NU
American Express Co. and Nu Holdings Ltd., side by side — 6 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | AXP | NU |
|---|---|---|
| Revenue | $72.2B | $11.5B |
| Net income | $10.8B | $2.0B |
| Gross margin | · | 45.6% |
| Net margin | 15.0% | 17.1% |
| Return on equity | 34.0% | 28.1% |
| Diluted EPS | $15.38 | $0.40 |
| Dividend / share | $3.28 | · |
| Payout ratio | 21.0% | · |
| Free cash flow | $16.0B | · |
| Equity | $33.5B | $7.6B |
| Net debt / equity | 0.30× | −0.98× |
| Current ratio | · | · |
| Revenue CAGR 5y | 14.9% | 79.8% |
| Profit CAGR 5y | 28.1% | · |
AXP bills 6.3× the revenue of NU, and NU keeps more of each dollar of revenue as profit (17.1% against 15.0%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
6 years side by side
| Fiscal year | AXP | NU |
|---|---|---|
| FY2024 | $65.9B | $11.5B |
| FY2023 | $60.5B | $8.0B |
| FY2022 | $52.9B | $4.8B |
| FY2021 | $42.4B | $1.7B |
| FY2020 | $36.1B | $737.1M |
| FY2019 | $43.6B | $612.1M |
Bottom line
| Fiscal year | AXP | NU |
|---|---|---|
| FY2024 | $10.1B | $2.0B |
| FY2023 | $8.4B | $1.0B |
| FY2022 | $7.5B | $-364.6M |
| FY2021 | $8.1B | $-165.0M |
| FY2020 | $3.1B | $-171.5M |
| FY2019 | $6.8B | $-92.5M |
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +$54,431,925,000 | AXP |
| FY2023 | +$52,486,024,000 | AXP |
| FY2022 | +$48,069,769,000 | AXP |
| FY2021 | +$40,681,977,000 | AXP |
| FY2020 | +$35,349,867,000 | AXP |
| FY2019 | +$42,943,891,000 | AXP |
AXP has reported the higher revenue in every one of these 6 fiscal years. The gap has widened since the earliest year compared.
6 of 14 comparable fiscal years — a year missing data on either side is not counted.
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | −1.8 pp | NU |
| FY2023 | +1.0 pp | AXP |
| FY2022 | +21.8 pp | AXP |
| FY2021 | +28.8 pp | AXP |
| FY2020 | +32.0 pp | AXP |
| FY2019 | +30.6 pp | AXP |
The higher net margin has changed hands between AXP and NU over this period.
6 of 14 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
NU's net margin has been more volatile than AXP's over the 6 comparable fiscal years — 14.5 percentage points of standard deviation against 3.1.
6 of 14 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between AXP and NU over these 6 fiscal years — AXP led in 5 and NU in 1.
6 of 14 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
NU's return on equity has been more volatile than AXP's over the 6 comparable fiscal years — 20.3 percentage points of standard deviation against 7.4.
6 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
AXP led in return on equity in every one of the 6 comparable fiscal years — a structural lead, not a recent swing.
6 of 19 comparable fiscal years — a year missing data on either side is not counted.