Nu Holdings Ltd. vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Four times the price per dollar of earnings separates Nu at 31.96 times from Synchrony at 8.14, the Brazilian challenger over the American incumbent. The economics run closer: net margins of 17.1% and 19.3% (Synchrony ahead), returns on equity of 25.8% and 21.9% (Nu ahead), Nu unlevered against Synchrony's single turn. Synchrony pays a 1.5% dividend and shows a 36.2% lender-caveat cash figure; Nu retains everything for expansion. The 24-turn spread prices trajectory against maturity, next decade against last: the market is quite sure Nu's compounding continues and quite sure Synchrony's does not, and neither certainty appears on the fundamentals page.
Comparison updated 2026-07-10.
| Metric | NU | SYF |
|---|---|---|
| Price | $13.15 | $78.62 |
| Market cap | $63.0B | $27.2B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 32.0 | 8.1 |
| P/B | 8.24 | 1.65 |
| P/S | 5.47 | 1.46 |
| EV/EBITDA | — | 161.3 |
| Revenue growth | +105.9% | +3.1% |
| Gross margin | 45.6% | — |
| Net margin | 17.1% | 19.3% |
| Return on equity | 25.8% | 21.9% |
| Return on assets | 4.0% | 3.0% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.00 | 1.00 |
| Altman Z (solvency) | 1.12 | 0.60 |
| Piotroski F (quality) | 9 / 9 | 7 / 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.