Nu Holdings Ltd. vs Rocket Companies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Nu is a new bank compounding customers; Rocket is an old machine awaiting weather, and the models barely rhyme despite the shared tag: deposit-funded consumer banking across Latin America at a 17.1% net margin against US mortgage origination at 2.8%, idling for a refi cycle. The market prices Nu's growth at 32 times earnings and Rocket's recovery at 115.2 times, trough arithmetic making the mature company the expensive-looking one. Nu runs debt-free; Rocket carries 0.45 turns plus its acquisition slate. A franchise being built meets a franchise being rebuilt; the first needs execution, the second needs rates, and the multiples have priced certainty about both.
Comparison updated 2026-07-10.
| Metric | NU | RKT |
|---|---|---|
| Price | $13.15 | $14.97 |
| Market cap | $63.0B | $42.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 32.0 | 115.2 |
| P/B | 8.24 | 1.83 |
| P/S | 5.47 | 4.99 |
| EV/EBITDA | — | 123.1 |
| Revenue growth | +105.9% | +92.1% |
| Gross margin | 45.6% | — |
| Net margin | 17.1% | 2.8% |
| Return on equity | 25.8% | 1.0% |
| Return on assets | 4.0% | 0.4% |
| Debt / equity | 0.00 | 0.45 |
| Altman Z (solvency) | 1.12 | 0.86 |
| Piotroski F (quality) | 9 / 9 | 8 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.