FMCC vs NU
Federal Home Loan Mortgage Corp. and Nu Holdings Ltd., side by side — 6 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | FMCC | NU |
|---|---|---|
| Revenue | $23.3B | $11.5B |
| Net income | $10.7B | $2.0B |
| Gross margin | · | 45.6% |
| Net margin | 46.1% | 17.1% |
| Return on equity | 16.5% | 28.1% |
| Diluted EPS | $0.02 | $0.40 |
| Dividend / share | · | · |
| Payout ratio | · | · |
| Free cash flow | · | · |
| Equity | $70.4B | $7.6B |
| Net debt / equity | 2.87× | −0.98× |
| Current ratio | · | · |
| Revenue CAGR 5y | 6.9% | 79.8% |
| Profit CAGR 5y | 7.9% | · |
FMCC bills 2.0× the revenue of NU, and keeps more of each dollar of revenue as profit (46.1% against 17.1%).
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 | FMCC | NU |
|---|---|---|
| FY2024 | $23.9B | $11.5B |
| FY2023 | $21.2B | $8.0B |
| FY2022 | $21.3B | $4.8B |
| FY2021 | $22.0B | $1.7B |
| FY2020 | $16.7B | $737.1M |
| FY2019 | $14.1B | $612.1M |
Bottom line
| Fiscal year | FMCC | NU |
|---|---|---|
| FY2024 | $11.9B | $2.0B |
| FY2023 | $10.5B | $1.0B |
| FY2022 | $9.3B | $-364.6M |
| FY2021 | $12.1B | $-165.0M |
| FY2020 | $7.3B | $-171.5M |
| FY2019 | $7.2B | $-92.5M |
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +$12,394,925,000 | FMCC |
| FY2023 | +$13,200,024,000 | FMCC |
| FY2022 | +$16,471,769,000 | FMCC |
| FY2021 | +$20,252,977,000 | FMCC |
| FY2020 | +$15,921,867,000 | FMCC |
| FY2019 | +$13,465,891,000 | FMCC |
FMCC has reported the higher revenue in every one of these 6 fiscal years. The gap has narrowed since the earliest year compared.
6 of 9 comparable fiscal years — a year missing data on either side is not counted.
6 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +32.5 pp | FMCC |
| FY2023 | +36.8 pp | FMCC |
| FY2022 | +51.5 pp | FMCC |
| FY2021 | +64.9 pp | FMCC |
| FY2020 | +67.2 pp | FMCC |
| FY2019 | +66.4 pp | FMCC |
FMCC has kept the higher net margin in every one of these 6 fiscal years.
6 of 8 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 FMCC's over the 6 comparable fiscal years — 14.5 percentage points of standard deviation against 4.0.
6 of 8 comparable fiscal years — a year missing data on either side is not counted.
Year by year
FMCC led in net margin in every one of the 6 comparable fiscal years — a structural lead, not a recent swing.
6 of 8 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
FMCC's return on equity has been more volatile than NU's over the 6 comparable fiscal years — 29.1 percentage points of standard deviation against 20.3.
6 of 9 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between FMCC and NU over these 6 fiscal years — FMCC led in 5 and NU in 1.
6 of 9 comparable fiscal years — a year missing data on either side is not counted.